Nissan Altima Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

UPDATED: Jun 7, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Estimated insurance prices for a Nissan Altima are $1,372 every 12 months for full coverage. Comprehensive insurance costs on average $260 each year, collision costs $512, and liability is $442. Liability-only insurance costs around $496 a year, with high-risk driver insurance costing $2,986 or more. Teen drivers pay the most at $5,230 a year or more.

Average premium for full coverage: $1,372

Premium estimates by type of coverage:

Comprehensive $260
Collision $512
Liability $442

Prices are based on $500 deductible amounts, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and Altima models.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Nissan Altima go from the cheapest price of $496 for liability-only coverage to a high rate of $2,986 for a driver required to buy high-risk insurance.

Liability Only $496
Full Coverage $1,372
High Risk $2,986

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than larger metro areas.

The graphic below illustrates the effect of geographic area on car insurance rates.

Rural Areas $1,029
Small Cities $1,441
Large Cities $1,852

These rate differences show why all drivers should compare rates quotes based on a specific location and their own driving history, instead of using price averages.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Charts and Tables

The chart below shows estimated Nissan Altima insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $787
  • Raising to $1,000 deductibles will save around $176 a year
  • The average price for a 40-year-old good driver with $500 deductibles is $1,372
  • Choosing low deductibles costs an extra $340 every year
  • At-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,986 or more
  • An auto insurance policy to insure a teen driver may cost $5,230

View Chart as Image

Nissan Altima insurance cost comparison chart
Column chart showing full coverage Nissan Altima insurance prices range from $787 to $5,230

Insurance prices for a Nissan Altima also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your Altima.

Choosing high deductibles can reduce prices by up to $520 every year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $450 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $5,200 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying at a minimum $1,600 to $2,300 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 44% to 130% more than average. View High Risk Driver Rates

Where you choose to live also has a big influence on Nissan Altima insurance prices. A middle-age driver might find prices as low as $900 a year in states like Idaho, Maine, and Iowa, or as much as $1,960 on average in Michigan, Louisiana, and New York.

Nissan Altima Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,240 -$132 -9.6%
Alaska $1,052 -$320 -23.3%
Arizona $1,140 -$232 -16.9%
Arkansas $1,372 -$0 0.0%
California $1,562 $190 13.8%
Colorado $1,310 -$62 -4.5%
Connecticut $1,410 $38 2.8%
Delaware $1,552 $180 13.1%
Florida $1,714 $342 24.9%
Georgia $1,266 -$106 -7.7%
Hawaii $984 -$388 -28.3%
Idaho $928 -$444 -32.4%
Illinois $1,022 -$350 -25.5%
Indiana $1,034 -$338 -24.6%
Iowa $926 -$446 -32.5%
Kansas $1,304 -$68 -5.0%
Kentucky $1,872 $500 36.4%
Louisiana $2,030 $658 48.0%
Maine $846 -$526 -38.3%
Maryland $1,132 -$240 -17.5%
Massachusetts $1,098 -$274 -20.0%
Michigan $2,382 $1,010 73.6%
Minnesota $1,148 -$224 -16.3%
Mississippi $1,642 $270 19.7%
Missouri $1,216 -$156 -11.4%
Montana $1,474 $102 7.4%
Nebraska $1,080 -$292 -21.3%
Nevada $1,642 $270 19.7%
New Hampshire $986 -$386 -28.1%
New Jersey $1,534 $162 11.8%
New Mexico $1,214 -$158 -11.5%
New York $1,444 $72 5.2%
North Carolina $790 -$582 -42.4%
North Dakota $1,122 -$250 -18.2%
Ohio $946 -$426 -31.0%
Oklahoma $1,408 $36 2.6%
Oregon $1,256 -$116 -8.5%
Pennsylvania $1,310 -$62 -4.5%
Rhode Island $1,830 $458 33.4%
South Carolina $1,240 -$132 -9.6%
South Dakota $1,158 -$214 -15.6%
Tennessee $1,202 -$170 -12.4%
Texas $1,652 $280 20.4%
Utah $1,016 -$356 -25.9%
Vermont $940 -$432 -31.5%
Virginia $822 -$550 -40.1%
Washington $1,060 -$312 -22.7%
West Virginia $1,256 -$116 -8.5%
Wisconsin $950 -$422 -30.8%
Wyoming $1,222 -$150 -10.9%

View Chart as Image

Nissan Altima insurance rates by U.S. city

With such a large range in prices, the only way to know exactly what you will pay is to do a rate comparison and see which company has the best price. Every auto insurance company uses a different rate calculation, and prices will be substantially different.

Insurance Rates by Trim Level and Model Year

Nissan Altima Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Nissan Altima 2.5 4-Dr Sedan $1,296 $108
Nissan Altima 2.5 S 4-Dr Sedan $1,332 $111
Nissan Altima 2.5 S 2-Dr Coupe $1,478 $123
Nissan Altima Hybrid 4-Dr Sedan $1,344 $112
Nissan Altima 3.5 SR 4-Dr Sedan $1,408 $117
Nissan Altima 3.5 SR 2-Dr Coupe $1,554 $130

Rates assume 2021 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Nissan Altima Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Nissan Altima $294 $566 $398 $1,416
2023 Nissan Altima $284 $552 $416 $1,410
2022 Nissan Altima $274 $530 $430 $1,392
2021 Nissan Altima $260 $512 $442 $1,372
2020 Nissan Altima $250 $474 $452 $1,334

Rates are averaged for all Nissan Altima models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for Affordable Nissan Altima Insurance

Finding better rates on car insurance consists of having a good driving record, having above-average credit, not filing small claims, and insuring your home and auto with the same company. Take the time to compare rates at every policy renewal by quoting rates from direct carriers, and also from local independent and exclusive agents.

The next list is a brief review of the data covered in the above illustrations.

  • Policyholders who require increased levels of liability coverage will pay about $490 each year to raise from 30/60 bodily injury limits to a 250/500 level
  • Drivers can save as much as $170 per year simply by quoting online in advance
  • Increasing policy deductibles could save as much as $525 each year
  • Drivers age 20 and younger pay higher prices, as much as $436 per month if full coverage is included

Rates by Driver Age

Nissan Altima Insurance Rates by Driver Age
Driver Age Premium
16 $5,230
20 $3,188
30 $1,424
40 $1,372
50 $1,254
60 $1,230

Full coverage, $500 deductibles

Rates by Deductible

Nissan Altima Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,712
$250 $1,552
$500 $1,372
$1,000 $1,196

Full coverage, driver age 40

Rates by Liability Limit

Nissan Altima Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,372
50/100 $1,654
100/300 $1,779
250/500 $2,104
100 CSL $1,704
300 CSL $1,979
500 CSL $2,179

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan Altima Insurance Rates for High Risk Drivers
Age Premium
16 $7,454
20 $5,086
30 $3,044
40 $2,986
50 $2,854
60 $2,828

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $195

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $73
Multi-vehicle $74
Homeowner $21
5-yr Accident Free $101
5-yr Claim Free $89
Paid in Full/EFT $62
Advance Quote $68
Online Quote $97
Total Discounts $585
Rate after discounts $787

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

You May Also Enjoy These Articles