Nissan Altima Insurance Rates
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UPDATED: Jun 7, 2024
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Estimated insurance rates for a Nissan Altima are $1,410 a year with full coverage. Comprehensive costs on average $284, collision costs $552, and liability costs $416. Liability-only insurance costs as little as $474 a year, with high-risk driver insurance costing around $3,066. Teens pay the most at $5,306 a year or more.
Average premium for full coverage: $1,410
Premium estimates by type of coverage:
Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and for different Altima trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Nissan Altima go from as low as $474 for minimum levels of liability insurance to a much higher rate of $3,066 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Your location can make a big difference on auto insurance rates. Rural areas are statistically proven to have a lower frequency of collision claims than cities with more traffic congestion.
The price range example below illustrates how where you live affects car insurance rates.
These rate differences demonstrate why anyone shopping for car insurance should compare rates based on a specific location and risk profile, instead of making a decision based on averaged prices.
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.
Additional Rate Details
The chart below details estimated Nissan Altima insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $806
- Drivers who choose higher $1,000 deductibles will pay around $188 annually
- The average rate for a 40-year-old good driver with $500 deductibles is $1,410
- Selecting more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,782
- Drivers with serious driving violations could pay upwards of $3,066 or more
- An auto insurance policy for full coverage for a 16-year-old driver with full coverage may cost $5,306 a year
Insurance prices for a Nissan Altima also have a wide range based on your driving characteristics, the trim level and model year, and policy deductibles and limits.
An older driver with no violations or accidents and high deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay upwards of $5,300 a year. View Rates by Age
Where you choose to live makes a big difference in Nissan Altima insurance prices. A 40-year-old driver could pay as low as $1,020 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,910 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,276 | -$134 | -9.5% |
| Alaska | $1,084 | -$326 | -23.1% |
| Arizona | $1,172 | -$238 | -16.9% |
| Arkansas | $1,410 | -$0 | 0.0% |
| California | $1,608 | $198 | 14.0% |
| Colorado | $1,350 | -$60 | -4.3% |
| Connecticut | $1,452 | $42 | 3.0% |
| Delaware | $1,598 | $188 | 13.3% |
| Florida | $1,766 | $356 | 25.2% |
| Georgia | $1,302 | -$108 | -7.7% |
| Hawaii | $1,012 | -$398 | -28.2% |
| Idaho | $954 | -$456 | -32.3% |
| Illinois | $1,052 | -$358 | -25.4% |
| Indiana | $1,062 | -$348 | -24.7% |
| Iowa | $954 | -$456 | -32.3% |
| Kansas | $1,342 | -$68 | -4.8% |
| Kentucky | $1,926 | $516 | 36.6% |
| Louisiana | $2,088 | $678 | 48.1% |
| Maine | $870 | -$540 | -38.3% |
| Maryland | $1,164 | -$246 | -17.4% |
| Massachusetts | $1,130 | -$280 | -19.9% |
| Michigan | $2,452 | $1,042 | 73.9% |
| Minnesota | $1,180 | -$230 | -16.3% |
| Mississippi | $1,690 | $280 | 19.9% |
| Missouri | $1,252 | -$158 | -11.2% |
| Montana | $1,518 | $108 | 7.7% |
| Nebraska | $1,114 | -$296 | -21.0% |
| Nevada | $1,690 | $280 | 19.9% |
| New Hampshire | $1,016 | -$394 | -27.9% |
| New Jersey | $1,578 | $168 | 11.9% |
| New Mexico | $1,250 | -$160 | -11.3% |
| New York | $1,488 | $78 | 5.5% |
| North Carolina | $814 | -$596 | -42.3% |
| North Dakota | $1,154 | -$256 | -18.2% |
| Ohio | $976 | -$434 | -30.8% |
| Oklahoma | $1,448 | $38 | 2.7% |
| Oregon | $1,292 | -$118 | -8.4% |
| Pennsylvania | $1,344 | -$66 | -4.7% |
| Rhode Island | $1,880 | $470 | 33.3% |
| South Carolina | $1,278 | -$132 | -9.4% |
| South Dakota | $1,192 | -$218 | -15.5% |
| Tennessee | $1,236 | -$174 | -12.3% |
| Texas | $1,702 | $292 | 20.7% |
| Utah | $1,044 | -$366 | -26.0% |
| Vermont | $966 | -$444 | -31.5% |
| Virginia | $846 | -$564 | -40.0% |
| Washington | $1,092 | -$318 | -22.6% |
| West Virginia | $1,292 | -$118 | -8.4% |
| Wisconsin | $976 | -$434 | -30.8% |
| Wyoming | $1,258 | -$152 | -10.8% |
Choosing higher comprehensive and collision insurance deductibles could save up to $560 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost up to $423 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out at a minimum $1,700 to $2,300 additional annually, depending on your age. High-risk driver insurance can cost from 43% to 134% more than the average policy. View High Risk Driver Rates
With such a large range in prices, the best way to find out exactly what you will pay is to compare prices from multiple companies. Every company calculates prices differently, and prices will be substantially different 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 | $1,328 | $111 |
| Nissan Altima 2.5 S 4-Dr Sedan | $1,370 | $114 |
| Nissan Altima 2.5 S 2-Dr Coupe | $1,516 | $126 |
| Nissan Altima Hybrid 4-Dr Sedan | $1,382 | $115 |
| Nissan Altima 3.5 SR 4-Dr Sedan | $1,452 | $121 |
| Nissan Altima 3.5 SR 2-Dr Coupe | $1,598 | $133 |
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 | $322 | $594 | $372 | $1,446 |
| 2023 Nissan Altima | $306 | $570 | $390 | $1,424 |
| 2022 Nissan Altima | $294 | $566 | $398 | $1,416 |
| 2021 Nissan Altima | $284 | $552 | $416 | $1,410 |
| 2020 Nissan Altima | $274 | $530 | $430 | $1,392 |
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 better rates on insurance for a Nissan Altima not only requires avoiding accidents and claims, but also having a good credit history, being claim-free, and insuring your home and auto with the same company. Take the time to comparison shop every other policy renewal by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agents.
The points below are a review of the ideas that were touched on in the above illustrations.
- Drivers under the age of 20 pay higher prices, possibly costing $442 per month including comprehensive and collision insurance
- Drivers considered higher risk who have several accidents or serious violations may be required to pay an average of $1,660 more each year to insure a Nissan Altima
- Increasing policy deductibles can save around $550 each year
- You may be able to save as much as $170 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,306 |
| 20 | $3,278 |
| 30 | $1,470 |
| 40 | $1,410 |
| 50 | $1,290 |
| 60 | $1,266 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,782 |
| $250 | $1,610 |
| $500 | $1,410 |
| $1,000 | $1,222 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,410 |
| 50/100 | $1,692 |
| 100/300 | $1,810 |
| 250/500 | $2,115 |
| 100 CSL | $1,739 |
| 300 CSL | $1,998 |
| 500 CSL | $2,186 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,570 |
| 20 | $5,220 |
| 30 | $3,134 |
| 40 | $3,066 |
| 50 | $2,928 |
| 60 | $2,902 |
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 | $75 |
| Multi-vehicle | $75 |
| Homeowner | $21 |
| 5-yr Accident Free | $105 |
| 5-yr Claim Free | $92 |
| Paid in Full/EFT | $65 |
| Advance Quote | $71 |
| Online Quote | $100 |
| Total Discounts | $604 |
Discounts are estimated and may not be available from every company or in every state.
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