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Nissan Altima Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 9, 2020

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Insurance for vehicles can be expensive, but why is Nissan Altima insurance so high? Nissan Altima car insurance costs an average of $1,446 a year, or $120 a month. Read on to learn more about Altima car insurance rates and what you can do to save.

As this guide will show, Nissan Altima auto insurance rates will vary based on a number of factors. 2005 Nissan Altima insurance rates will likely be lower than 2010 Nissan Altima insurance costs or 2018 Nissan Altima insurance cost.

Maybe you are wondering if a Nissan Altima is considered a sports car. The answer is maybe. Insurance for a Nissan Altima 3.5SR will likely be more expensive than a standard model. That’s because the 3.5SR has a sports-tuned suspension and V6 engine which will probably put it in the sports car category.

Before you buy Nissan Altima car insurance, compare quotes from multiple Nissan Altima car insurance companies online.

To jump right into finding the best Nissan Altima auto insurance rates in your area, enter your ZIP code in our free tool above.

The average insurance rates for a Nissan Altima are $1,424 a year with full coverage. Comprehensive costs approximately $306 each year, collision costs $570, and liability is $390. A liability-only policy costs around $452 a year, with high-risk insurance costing around $3,088. 16-year-old drivers cost the most to insure at $5,286 a year or more.

Average premium for full coverage: $1,424

Policy rates by type of insurance:

Comprehensive $306
Collision $570
Liability $390

Prices are based on $500 deductibles, 30/60 split liability limits, and includes uninsured motorist coverage. Prices are averaged for all U.S. states and Altima models.

Price Range Variability

For a driver around age 40, Nissan Altima insurance rates go from as low as $452 for only liability insurance to a high rate of $3,088 for a high-risk insurance policy.

Liability Only $452
Full Coverage $1,424
High Risk $3,088

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than congested cities.

The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

Rural Areas $1,068
Small Cities $1,495
Large Cities $1,922

The examples above demonstrate why all drivers should compare rates quotes using their specific location and risk profile, instead of making a decision based on 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.

Insurance Rate Analysis

The chart below details estimated Nissan Altima insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $817
  • Raising to $1,000 deductibles will save $196 annually
  • The average rate for a good driver age 40 who chooses $500 deductibles is $1,424
  • Buying low deductibles will increase the cost to $1,814
  • Drivers with multiple tickets or accidents could pay around $3,088 or more
  • Policy cost for full coverage for a 16-year-old driver can cost $5,286

View Chart as Image

Nissan Altima insurance cost comparison chart
Column chart showing full coverage Nissan Altima insurance rates range from $817 to $5,286

Car insurance rates for a Nissan Altima also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

More mature drivers with no driving violations and high deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged in the ballpark of $5,200 a year. View Rates by Age

Your home state also has a big influence on Nissan Altima insurance prices. A middle-age driver might find rates as low as $1,030 a year in states like Utah, Ohio, and New Hampshire, or at least $1,930 on average in New York, Michigan, and Florida.

Nissan Altima Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,290 -$134 -9.4%
Alaska $1,094 -$330 -23.2%
Arizona $1,184 -$240 -16.9%
Arkansas $1,424 -$0 0.0%
California $1,624 $200 14.0%
Colorado $1,362 -$62 -4.4%
Connecticut $1,466 $42 2.9%
Delaware $1,614 $190 13.3%
Florida $1,786 $362 25.4%
Georgia $1,318 -$106 -7.4%
Hawaii $1,024 -$400 -28.1%
Idaho $964 -$460 -32.3%
Illinois $1,062 -$362 -25.4%
Indiana $1,074 -$350 -24.6%
Iowa $964 -$460 -32.3%
Kansas $1,356 -$68 -4.8%
Kentucky $1,944 $520 36.5%
Louisiana $2,112 $688 48.3%
Maine $880 -$544 -38.2%
Maryland $1,178 -$246 -17.3%
Massachusetts $1,142 -$282 -19.8%
Michigan $2,478 $1,054 74.0%
Minnesota $1,192 -$232 -16.3%
Mississippi $1,708 $284 19.9%
Missouri $1,264 -$160 -11.2%
Montana $1,532 $108 7.6%
Nebraska $1,126 -$298 -20.9%
Nevada $1,710 $286 20.1%
New Hampshire $1,026 -$398 -27.9%
New Jersey $1,594 $170 11.9%
New Mexico $1,264 -$160 -11.2%
New York $1,502 $78 5.5%
North Carolina $820 -$604 -42.4%
North Dakota $1,168 -$256 -18.0%
Ohio $986 -$438 -30.8%
Oklahoma $1,464 $40 2.8%
Oregon $1,306 -$118 -8.3%
Pennsylvania $1,360 -$64 -4.5%
Rhode Island $1,902 $478 33.6%
South Carolina $1,294 -$130 -9.1%
South Dakota $1,202 -$222 -15.6%
Tennessee $1,250 -$174 -12.2%
Texas $1,720 $296 20.8%
Utah $1,054 -$370 -26.0%
Vermont $976 -$448 -31.5%
Virginia $854 -$570 -40.0%
Washington $1,100 -$324 -22.8%
West Virginia $1,308 -$116 -8.1%
Wisconsin $988 -$436 -30.6%
Wyoming $1,272 -$152 -10.7%

View Chart as Image

Nissan Altima insurance rates by U.S. city

Opting for high physical damage deductibles can reduce rates by up to $590 annually, whereas increasing liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $396 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,700 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 133% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison from multiple companies. Every auto insurance company utilizes a different rate formula, so rate quotes will be varied from one company to the next.

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 $1,340 $112
Nissan Altima 2.5 S 4-Dr Sedan $1,384 $115
Nissan Altima 2.5 S 2-Dr Coupe $1,526 $127
Nissan Altima Hybrid 4-Dr Sedan $1,396 $116
Nissan Altima 3.5 SR 4-Dr Sedan $1,468 $122
Nissan Altima 3.5 SR 2-Dr Coupe $1,612 $134

Rates assume 2020 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
2020 Nissan Altima $306 $570 $390 $1,424
2019 Nissan Altima $294 $566 $398 $1,416
2018 Nissan Altima $284 $552 $416 $1,410
2017 Nissan Altima $274 $530 $430 $1,392
2016 Nissan Altima $260 $512 $442 $1,372
2015 Nissan Altima $250 $474 $452 $1,334
2014 Nissan Altima $240 $446 $456 $1,300
2013 Nissan Altima $230 $400 $460 $1,248
2012 Nissan Altima $214 $368 $460 $1,200
2011 Nissan Altima $206 $346 $464 $1,174
2010 Nissan Altima $202 $322 $474 $1,156
2009 Nissan Altima $186 $300 $474 $1,118
2008 Nissan Altima $182 $272 $478 $1,090
2007 Nissan Altima $170 $248 $474 $1,050
2006 Nissan Altima $160 $226 $474 $1,018
2005 Nissan Altima $154 $202 $468 $982
2004 Nissan Altima $152 $198 $460 $968
2003 Nissan Altima $150 $188 $452 $948
2002 Nissan Altima $138 $180 $446 $922
2001 Nissan Altima $132 $170 $442 $902

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 Affordable Nissan Altima Insurance

Finding cheaper rates on insurance for a Nissan Altima consists of being a safe driver, having above-average credit, not filing small claims, and avoiding coverage lapses. Set aside time to compare rates at least every other year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Here is a brief review of the car insurance concepts covered above.

  • Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,660 more per year for insurance
  • You may be able to save around $170 per year simply by quoting online in advance
  • Increasing comprehensive and collision deductibles can save around $575 each year
  • Insureds who purchase more liability insurance will pay around $430 every year to raise from a 30/60 limit to 250/500 limits

Shopping for car insurance rates early can save drivers almost $200. Use our free tool below to find affordable Nissan Altima car insurance quotes near you.

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What are the safety ratings of the Nissan Altima?

Good safety ratings can help lower your insurance rates. The Nissan Altima has some great safety features, such as brake assist, traction control, blind-spot monitoring, and lane-departure warnings.

The Nissan Altima’s safety ratings from the Insurance Institute for Highway Safety (IIHS) are also excellent. Take a look at them below.

  • Small overlap front (driver-side): Good
  • Small overlap front (passenger-side): Good
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

Good is the highest possible rating. Watch the video below to see how the IIHS tests vehicles.

Nissan Altima Compared Against Other Vehicles in the Same Class

The Nissan Altima is a midsize car. Unfortunately, the IIHS labeled the Nissan Altima’s property damage liability losses and bodily injury liability losses as average and substantially worse than average (respectively). While an average rating isn’t terrible, a substantially worse than average rating means higher liability rates.

Take a look at the list of other midsize vehicles below to see how the Nissan Altima’s insurance rates compare.

To find the best Nissan Altima insurance rates in your area, enter your ZIP code in our free tool.

References:

  1. https://www.iihs.org/ratings/vehicle/nissan/altima-4-door-sedan/2020

Rates by Driver Age

Nissan Altima Insurance Rates by Driver Age
Driver Age Premium
16 $5,286
20 $3,296
30 $1,488
40 $1,424
50 $1,302
60 $1,278

Full coverage, $500 deductibles

Rates by Deductible

Nissan Altima Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,814
$250 $1,634
$500 $1,424
$1,000 $1,228

Full coverage, driver age 40

Rates by Liability Limit

Nissan Altima Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,424
50/100 $1,700
100/300 $1,810
250/500 $2,096
100 CSL $1,744
300 CSL $1,986
500 CSL $2,162

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan Altima Insurance Rates for High Risk Drivers
Age Premium
16 $7,548
20 $5,244
30 $3,156
40 $3,088
50 $2,946
60 $2,920

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 $199

Potential Rate Discounts

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

Discount Savings
Multi-policy $76
Multi-vehicle $74
Homeowner $20
5-yr Accident Free $107
5-yr Claim Free $92
Paid in Full/EFT $66
Advance Quote $71
Online Quote $101
Total Discounts $607
Rate after discounts $817

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

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