Nissan Altima Insurance Rates

The average insurance rates for a Nissan Altima are $1,424 a year with full coverage. Comprehensive insurance costs around $306, collision insurance costs $570, and liability costs $390. Buying just liability costs as little as $452 a year, and insurance for high-risk drivers costs $3,088 or more. 16-year-old drivers cost the most to insure at up to $5,286 a year.

Average premium for full coverage: $1,424

Policy rates for type of insurance:

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

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.

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.

Rate Comparisons

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

• The best full coverage rate is $817
• Drivers who choose higher $1,000 deductibles will pay about $196 annually
• The estimated price for a good driver age 40 using $500 deductibles is $1,424
• Buying more expensive low deductibles for comprehensive and collision insurance will cost an additional $390 annually
• Drivers with multiple tickets or accidents could pay at least $3,088
• Policy cost that insures a 16-year-old driver with full coverage can be $5,286 a year

View Chart as Image

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 $1,700 to $2,300 extra every year, depending on your age. High-risk driver insurance can cost from 44% to 133% 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 $5,200 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 $1,030 a year in states like New Hampshire, Ohio, and Utah, or at least $1,930 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles could save up to $590 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 $396 more per year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

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.

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 $430 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 $441 each month if full coverage is included