Nissan Altima Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Jun 7, 2024
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The average insurance rates for a Nissan Altima are $1,392 a year for full coverage insurance. Comprehensive costs around $274 a year, collision costs $530, and liability insurance costs around $430. Buying just liability costs as low as $486 a year, with insurance for high-risk drivers costing around $3,024. Teen drivers cost the most to insure at $5,264 a year or more.
Average premium for full coverage: $1,392
Policy rates for type of insurance:
Estimates include $500 deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and Altima trim levels.
Price Range Variability
For the average 40-year-old driver, Nissan Altima insurance rates go from as low as $486 for just liability coverage to a high of $3,024 for a high-risk driver policy.
Urban vs. Rural Price Range
Where you live has a significant impact on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than larger metro areas.
The diagram below illustrates the difference location can make on auto insurance rates.
The examples above illustrate why it is important to compare prices for a specific zip code and risk profile, rather than relying on 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.
Detailed Rate Analysis
The chart below illustrates estimated Nissan Altima insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $797
- Using higher $1,000 deductibles will save about $1,210 each year
- The average rate for a good driver age 40 using $500 deductibles is $1,392
- Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,748
- Drivers with multiple violations and an at-fault accident could pay at least $3,024 or more
- Policy cost for full coverage for a teen driver can be $5,264 or more
Insurance rates for a Nissan Altima also range considerably based on your risk profile, the model year and trim level, and deductibles and policy limits.
Older drivers with a clean driving record and high deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay as much as $5,200 a year. View Rates by Age
Your home state has a huge impact on Nissan Altima insurance rates. A driver around age 40 might see rates as low as $910 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,880 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,258 | -$134 | -9.6% |
| Alaska | $1,068 | -$324 | -23.3% |
| Arizona | $1,156 | -$236 | -17.0% |
| Arkansas | $1,392 | -$0 | 0.0% |
| California | $1,586 | $194 | 13.9% |
| Colorado | $1,330 | -$62 | -4.5% |
| Connecticut | $1,432 | $40 | 2.9% |
| Delaware | $1,576 | $184 | 13.2% |
| Florida | $1,740 | $348 | 25.0% |
| Georgia | $1,286 | -$106 | -7.6% |
| Hawaii | $998 | -$394 | -28.3% |
| Idaho | $940 | -$452 | -32.5% |
| Illinois | $1,036 | -$356 | -25.6% |
| Indiana | $1,048 | -$344 | -24.7% |
| Iowa | $940 | -$452 | -32.5% |
| Kansas | $1,322 | -$70 | -5.0% |
| Kentucky | $1,898 | $506 | 36.4% |
| Louisiana | $2,060 | $668 | 48.0% |
| Maine | $858 | -$534 | -38.4% |
| Maryland | $1,146 | -$246 | -17.7% |
| Massachusetts | $1,116 | -$276 | -19.8% |
| Michigan | $2,418 | $1,026 | 73.7% |
| Minnesota | $1,166 | -$226 | -16.2% |
| Mississippi | $1,666 | $274 | 19.7% |
| Missouri | $1,236 | -$156 | -11.2% |
| Montana | $1,496 | $104 | 7.5% |
| Nebraska | $1,098 | -$294 | -21.1% |
| Nevada | $1,666 | $274 | 19.7% |
| New Hampshire | $1,004 | -$388 | -27.9% |
| New Jersey | $1,556 | $164 | 11.8% |
| New Mexico | $1,232 | -$160 | -11.5% |
| New York | $1,466 | $74 | 5.3% |
| North Carolina | $802 | -$590 | -42.4% |
| North Dakota | $1,140 | -$252 | -18.1% |
| Ohio | $962 | -$430 | -30.9% |
| Oklahoma | $1,430 | $38 | 2.7% |
| Oregon | $1,276 | -$116 | -8.3% |
| Pennsylvania | $1,328 | -$64 | -4.6% |
| Rhode Island | $1,856 | $464 | 33.3% |
| South Carolina | $1,260 | -$132 | -9.5% |
| South Dakota | $1,174 | -$218 | -15.7% |
| Tennessee | $1,220 | -$172 | -12.4% |
| Texas | $1,678 | $286 | 20.5% |
| Utah | $1,030 | -$362 | -26.0% |
| Vermont | $954 | -$438 | -31.5% |
| Virginia | $834 | -$558 | -40.1% |
| Washington | $1,076 | -$316 | -22.7% |
| West Virginia | $1,276 | -$116 | -8.3% |
| Wisconsin | $964 | -$428 | -30.7% |
| Wyoming | $1,240 | -$152 | -10.9% |
Choosing high deductibles could cut rates by as much as $540 each year, while buying higher liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $438 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,700 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 136% more than average. View High Risk Driver Rates
Because rates have so much variability, the only way to figure out your exact price is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, so the rates will be varied from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Nissan Altima 2.5 4-Dr Sedan | $1,312 | $109 |
| Nissan Altima 2.5 S 4-Dr Sedan | $1,352 | $113 |
| Nissan Altima 2.5 S 2-Dr Coupe | $1,498 | $125 |
| Nissan Altima Hybrid 4-Dr Sedan | $1,364 | $114 |
| Nissan Altima 3.5 SR 4-Dr Sedan | $1,432 | $119 |
| Nissan Altima 3.5 SR 2-Dr Coupe | $1,576 | $131 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Nissan Altima | $306 | $570 | $390 | $1,424 |
| 2023 Nissan Altima | $294 | $566 | $398 | $1,416 |
| 2022 Nissan Altima | $284 | $552 | $416 | $1,410 |
| 2021 Nissan Altima | $274 | $530 | $430 | $1,392 |
| 2020 Nissan Altima | $260 | $512 | $442 | $1,372 |
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 Find Low Cost Nissan Altima Insurance
Finding cheaper rates on Nissan Altima insurance requires not taking risks behind the wheel, maintaining good credit, being claim-free, and insuring your home and auto with the same company. Make time to compare rates every time your policy renews by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following is a review of the information touched on in this article.
- It is possible to save up to $170 per year simply by quoting early and online
- Teens pay higher rates, possibly costing $439 each month for full coverage
- Increasing comprehensive and collision deductibles can save around $550 each year
- High-risk drivers who have several accidents or serious violations may pay on average $1,630 more every year for Altima insurance
- Drivers who may need higher liability limits will pay about $470 annually to increase from a 30/60 limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,264 |
| 20 | $3,232 |
| 30 | $1,448 |
| 40 | $1,392 |
| 50 | $1,274 |
| 60 | $1,250 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,748 |
| $250 | $1,582 |
| $500 | $1,392 |
| $1,000 | $1,210 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,392 |
| 50/100 | $1,673 |
| 100/300 | $1,795 |
| 250/500 | $2,111 |
| 100 CSL | $1,722 |
| 300 CSL | $1,989 |
| 500 CSL | $2,184 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,506 |
| 20 | $5,148 |
| 30 | $3,086 |
| 40 | $3,024 |
| 50 | $2,890 |
| 60 | $2,864 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $74 |
| Multi-vehicle | $74 |
| Homeowner | $21 |
| 5-yr Accident Free | $103 |
| 5-yr Claim Free | $91 |
| Paid in Full/EFT | $64 |
| Advance Quote | $69 |
| Online Quote | $99 |
| Total Discounts | $595 |
Discounts are estimated and may not be available from every company or in every state.
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