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Nissan Altima Insurance Rates

Nissan Altima insurance

The average insurance rates for a Nissan Altima are $1,376 a year with full coverage. Comprehensive insurance costs around $306, collision insurance costs $564, and liability costs $354. Buying just liability costs as little as $416 a year, and insurance for high-risk drivers costs $2,970 or more. 16-year-old drivers cost the most to insure at up to $5,048 a year.

Average premium for full coverage: $1,376

Policy rates for type of insurance:

Comprehensive $306
Collision $564
Liability $354

Rate estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different Altima trim levels.

Price Range Variability

For an average driver, Nissan Altima insurance rates range from the low end price of $416 for basic liability insurance to a much higher rate of $2,970 for a driver required to buy high-risk insurance.

Liability Only $416
Full Coverage $1,376
High Risk $2,970

Urban vs. Rural Price Range

Your location can make a big difference on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than congested cities. The price range example below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $1,032
Small Cities $1,445
Large Cities $1,858

The examples above demonstrate why anyone shopping for car insurance should compare rates for a specific zip code, instead of making a decision based on rate averages.

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

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The chart below details average Nissan Altima insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $788
  • Drivers who choose higher $1,000 deductibles will pay about $198 annually
  • The estimated price for a good driver age 40 using $500 deductibles is $1,376
  • Buying more expensive low deductibles for comprehensive and collision insurance will cost an additional $382 annually
  • Drivers with multiple tickets or accidents could pay at least $2,970
  • Policy cost that insures a 16-year-old driver with full coverage can be $5,048 a year

View Chart as Image

Nissan Altima insurance cost comparison chart
Column chart showing Nissan Altima insurance prices range from $788 to $5,048 for full coverage

Insurance rates for a Nissan Altima also range considerably based on the model year and trim level, your age and driving habits, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance can cost from 44% to 130% more than the average rate. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay as much as $5,000 a year. View Rates by Age

Your home state makes a big difference in Nissan Altima insurance prices. A 40-year-old driver could pay as low as $1,110 a year in states like New Hampshire, Ohio, and Utah, or at least $2,060 on average in Florida, Michigan, and New York.

Nissan Altima Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,320-$56-4.1%
Alaska$1,128-$248-18.0%
Arizona$1,378$20.1%
Arkansas$1,392$161.2%
California$1,544$16812.2%
Colorado$1,428$523.8%
Connecticut$1,800$42430.8%
Delaware$1,672$29621.5%
Florida$1,856$48034.9%
Georgia$1,362-$14-1.0%
Hawaii$1,484$1087.8%
Idaho$954-$422-30.7%
Illinois$1,020-$356-25.9%
Indiana$978-$398-28.9%
Iowa$1,034-$342-24.9%
Kansas$1,262-$114-8.3%
Kentucky$1,780$40429.4%
Louisiana$2,228$85261.9%
Maine$942-$434-31.5%
Maryland$1,412$362.6%
Massachusetts$1,212-$164-11.9%
Michigan$2,528$1,15283.7%
Minnesota$1,206-$170-12.4%
Mississippi$1,346-$30-2.2%
Missouri$1,172-$204-14.8%
Montana$1,246-$130-9.4%
Nebraska$1,132-$244-17.7%
Nevada$1,774$39828.9%
New Hampshire$1,120-$256-18.6%
New Jersey$1,368-$8-0.6%
New Mexico$1,276-$100-7.3%
New York$1,788$41229.9%
North Carolina$976-$400-29.1%
North Dakota$1,338-$38-2.8%
Ohio$970-$406-29.5%
Oklahoma$1,670$29421.4%
Oregon$1,286-$90-6.5%
Pennsylvania$1,548$17212.5%
Rhode Island$1,666$29021.1%
South Carolina$1,280-$96-7.0%
South Dakota$1,078-$298-21.7%
Tennessee$1,234-$142-10.3%
Texas$1,320-$56-4.1%
Utah$1,218-$158-11.5%
Vermont$978-$398-28.9%
Virginia$988-$388-28.2%
Washington$1,212-$164-11.9%
West Virginia$1,398$221.6%
Wisconsin$1,402$261.9%
Wyoming$1,520$14410.5%

View Chart as Image

Nissan Altima insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $580 annually, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $360 more per year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Nissan Altima Insurance Rates by Model and Trim Level
Model and TrimAnnual PremiumMonthly Premium
Nissan Altima 2.5 4-Dr Sedan$1,290$108
Nissan Altima 2.5 S 4-Dr Sedan$1,332$111
Nissan Altima 2.5 S 2-Dr Coupe$1,470$123
Nissan Altima Hybrid 4-Dr Sedan$1,346$112
Nissan Altima 3.5 SR 4-Dr Sedan$1,418$118
Nissan Altima 3.5 SR 2-Dr Coupe$1,554$130

Rates assume 2018 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 YearComprehensiveCollisionLiabilityTotal Premium
2018 Nissan Altima$306$564$354$1,376
2017 Nissan Altima$292$542$370$1,356
2016 Nissan Altima$280$538$378$1,348
2015 Nissan Altima$270$524$396$1,342
2014 Nissan Altima$260$502$408$1,322
2013 Nissan Altima$246$486$420$1,304
2012 Nissan Altima$236$450$428$1,266
2011 Nissan Altima$228$424$432$1,236
2010 Nissan Altima$218$380$436$1,186
2009 Nissan Altima$204$350$436$1,142
2008 Nissan Altima$196$328$440$1,116
2007 Nissan Altima$192$306$450$1,100
2006 Nissan Altima$178$284$450$1,064
2005 Nissan Altima$172$258$454$1,036
2004 Nissan Altima$160$236$450$998
2003 Nissan Altima$152$214$450$968
2002 Nissan Altima$146$192$446$936
2001 Nissan Altima$144$188$436$920
2000 Nissan Altima$142$180$428$902
1999 Nissan Altima$130$170$424$876

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 the Best Nissan Altima Insurance

Finding cheaper rates on insurance for a Nissan Altima not only requires being a low-risk driver, but also having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Comparison shop at every policy renewal by requesting rates from direct companies, and also from your local independent and exclusive agents.

The items below are a brief recap of the data covered in the above illustrations.

  • Insureds who may need more liability coverage will pay around $390 every year to go from a 30/60 limit to the 250/500 level
  • You may be able to save up to $170 per year just by shopping early and online
  • Increasing comprehensive and collision deductibles can save approximately $575 each year
  • Teen drivers pay higher rates, as much as $421 each month if full coverage is included

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Rates by Driver Age

Nissan Altima Insurance Rates by Driver Age
Driver AgePremium
16$5,048
20$3,172
30$1,440
40$1,376
50$1,254
60$1,230

Full coverage, $500 deductibles

Rates by Deductible

Nissan Altima Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,758
$250$1,582
$500$1,376
$1,000$1,178

Full coverage, driver age 40

Rates by Liability Limit

Nissan Altima Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,376
50/100$1,634
100/300$1,734
250/500$1,994
100 CSL$1,674
300 CSL$1,894
500 CSL$2,054

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan Altima Insurance Rates for High Risk Drivers
AgePremium
16$7,214
20$5,042
30$3,042
40$2,970
50$2,834
60$2,804

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 $191

Potential Rate Discounts

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

DiscountSavings
Multi-policy$73
Multi-vehicle$71
Homeowner$19
5-yr Accident Free$104
5-yr Claim Free$89
Paid in Full/EFT$65
Advance Quote$69
Online Quote$98
Total Discounts$588
Rate after discounts $788

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

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