Nissan Altima Insurance Rates

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UPDATED: Jun 7, 2024

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Estimated auto insurance rates for a Nissan Altima are $1,372 annually including full coverage. Comprehensive costs an estimated $260 a year, collision insurance costs $512, and liability coverage costs around $442. A policy with only liability insurance costs as low as $496 a year, and a high-risk policy costs around $2,986. 16-year-old drivers pay the most at up to $5,230 a year.

Average premium for full coverage: $1,372

Premium estimates broken down by type of coverage:

Comprehensive $260
Collision $512
Liability $442

Prices include $500 deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and Altima trim levels.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Nissan Altima range from as cheap as $496 for basic liability insurance to a high of $2,986 for a high-risk driver policy.

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

Insurance Price Range by Location

Where you live has a large influence on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than congested cities. The diagram below illustrates how geographic area affects insurance prices.

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

These rate differences highlight why it is important to compare prices for a targeted area and their own personal driving habits, rather than using rate 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.

Rate Comparisons

The chart below breaks down average Nissan Altima insurance rates for other coverage scenarios.

  • The best full coverage rate is $787
  • Using higher $1,000 deductibles will save approximately $1,196 every year
  • The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,372
  • Buying low $100 deductibles for physical damage coverage will cost $1,712
  • Higher-risk drivers with multiple tickets or accidents could pay up to $2,986
  • An auto insurance policy with full coverage for a teenage driver can cost as much as $5,230 or more

View Chart as Image

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

Car insurance prices for a Nissan Altima also have a wide range based on the model of your Altima, your driving characteristics, and liability limits and deductibles.

Older drivers with no driving violations and high physical damage deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged at least $5,200 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying $1,600 to $2,300 extra annually, depending on your age. A high-risk auto insurance policy can be around 44% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $520 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $450 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Nissan Altima insurance rates. A driver around age 40 might see prices as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,960 on average in Louisiana, New York, and Michigan.

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

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 Buy the Right Nissan Altima Insurance

Finding better rates on auto insurance requires not taking risks behind the wheel, having a good credit score, refrain from filing small claims, and possibly higher deductibles. Invest the time to compare rates every time your policy renews by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.

The following is a quick rundown of the information presented in the illustrations above.

  • You may be able to save approximately $170 per year just by quoting early and online
  • Teens have the highest car insurance prices, with the cost nearing $436 per month if comprehensive and collision insurance is included
  • Increasing policy deductibles could save up to $525 each year
  • Drivers with reckless driving or DUI convictions could be forced to pay on average $1,610 more annually for Altima insurance
  • Consumers who want higher liability limits will pay around $490 per year to increase from 30/60 bodily injury limits to higher 250/500 limits

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.

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