Nissan Altima Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 7, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
U.S. average auto insurance rates for a Nissan Altima are $1,410 annually for full coverage. Comprehensive insurance costs approximately $284, collision insurance costs $552, and liability costs $416. Liability-only coverage costs as little as $474 a year, and high-risk coverage costs $3,066 or more. 16-year-old drivers pay the highest rates at up to $5,306 a year.
Average premium for full coverage: $1,410
Price estimates by individual coverage:
Prices are based on $500 physical damage deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and for different Altima trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Nissan Altima insurance prices range from as cheap as $474 for your basic liability-only policy to a much higher rate of $3,066 for a driver required to buy high-risk insurance.
Geographic Price Range
Your location can have significant affects on car insurance rates. Rural locations have fewer accident claims than congested cities. The price range example below illustrates how where you live affects auto insurance prices.
The ranges above show why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, instead of using 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.
More Rate Information
The chart below shows average Nissan Altima insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $806
- Drivers who choose higher $1,000 deductibles will pay $188 a year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,410
- Buying more expensive low deductibles for comprehensive and collision insurance costs an additional $372 every year
- Higher-risk drivers with multiple tickets or accidents could pay around $3,066
- The price with full coverage for a teen driver with full coverage can cost $5,306 a year
Auto insurance prices for a Nissan Altima are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.
An older driver with a good driving record and high physical damage deductibles may pay as little as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $5,300 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying anywhere from $1,700 to $2,300 in extra premium each year, depending on your age. High-risk driver insurance can cost as much as 43% to 134% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $560 every year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $423 extra every year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Nissan Altima insurance prices. A 40-year-old driver could pay as low as $930 a year in states like Iowa, Maine, and Idaho, or at least $2,010 on average in New York, Louisiana, and Michigan.
| 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% |
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 Buy Affordable Nissan Altima Insurance
Getting lower rates on car insurance not only requires being a safe and courteous driver, but also having above-average credit, eliminating unnecessary coverage, and possibly higher deductibles. Take the time to comparison shop at every policy renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
Below is a brief review of the data touched on in the above illustrations.
- Policyholders who purchase higher levels of liability will pay around $460 each year to go from a low limit to higher 250/500 limits
- Drivers can save around $170 per year just by shopping early and online
- Increasing physical damage deductibles could save up to $550 each year
- Teenage drivers have the highest car insurance prices, with premiums as much as $442 a month if full coverage is included
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
