Nissan Altima Insurance Rates

Estimated auto insurance rates for a Nissan Altima are $1,392 annually for full coverage insurance. Comprehensive insurance costs an estimated $274 a year, collision costs $530, and liability coverage costs $430. A policy with only liability insurance costs as little as $486 a year, with a high-risk policy costing $3,024 or more. Teenage drivers pay the most at $5,264 a year or more.

Average premium for full coverage: $1,392

Premium estimates broken down by type of coverage:

These estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and Altima trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of insurance. More rural locations are statistically proven to have fewer physical damage claims than densely populated cities.

The diagram below illustrates how location helps determine insurance prices.

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

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

Additional Rate Analysis

The chart below illustrates estimated Nissan Altima insurance rates for other coverage scenarios.

• The best discount rate is $797
• Drivers who choose higher $1,000 deductibles will pay approximately $1,210 each year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,392
• Using low $100 deductibles for comprehensive and collision insurance costs an additional $356 each year
• High-risk insureds who are prone to accidents and violations could pay up to $3,024 or more
• An auto insurance policy with full coverage for a teenage driver can cost as much as $5,264 a year

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

Older drivers with no driving violations and high physical damage deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher 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 probably paying $1,700 to $2,300 extra annually, depending on your age. A high-risk auto insurance policy can cost around 44% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $540 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $438 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Nissan Altima insurance rates. A 40-year-old driver could pay as low as $910 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,880 on average in Florida, New York, and Michigan.

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With such a large range in prices, the only way to figure out which insurance company is cheapest is to get quotes and see how they stack up. Every company uses a different method to calculate prices, so rate quotes will be substantially different between companies.

Insurance Rates by Trim Level and Model Year

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.

How to Buy Cheap Nissan Altima Insurance

Finding better rates on auto insurance not only requires being a low-risk driver, but also having a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Invest time comparing rates at every policy renewal by obtaining price quotes from direct insurance companies, and also from your local independent and exclusive agents.

The items below are a brief summary of the data covered in the charts and tables above.

• Consumers who want more liability coverage will pay an extra $470 annually to go from 30/60 bodily injury limits to higher 250/500 limits
• It is possible to save approximately $170 per year simply by quoting early and online
• Increasing policy deductibles could save up to $550 each year
• Teen drivers have the highest car insurance prices, with premiums being up to $439 per month if comprehensive and collision insurance is included