Nissan Altima Insurance Rates
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UPDATED: Jun 7, 2024
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U.S. average insurance prices for a Nissan Altima are $1,410 every 12 months for full coverage. Comprehensive insurance costs on average $284, collision insurance costs $552, and liability costs $416. A policy with just liability insurance costs as little as $474 a year, and coverage for high-risk drivers costs $3,066 or more. Teen 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 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and for different Altima trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Nissan Altima insurance prices range from the cheapest price of $474 for just the minimum liability insurance to a much higher rate of $3,066 for a policy for a high-risk driver.
Geographic Price Range
Your location can make a big difference on car insurance rates. Rural areas have more infrequent accident claims than larger metro areas. The price range example below illustrates how rural and urban location affects car insurance rates.
The ranges above show why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, instead of making a decision based on price 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.
Additional Rate Analysis
The chart below shows average Nissan Altima insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $806
- Drivers who choose higher $1,000 deductibles will pay around $188 a year
- The average price for the average middle-age driver with $500 deductibles is $1,410
- Choosing more expensive low deductibles for comprehensive and collision insurance costs an extra $372 annually
- Drivers with multiple violations and an at-fault accident could pay upwards of $3,066
- The price to insure a 16-year-old driver with full coverage may cost $5,306 a year
Insurance prices for a Nissan Altima are also quite variable based on deductibles and policy limits, your driver profile, and the trim level of your Altima.
Choosing high deductibles could save up to $560 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $423 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may pay as low as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay upwards of $5,300 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying at a minimum $1,700 to $2,300 extra each year, depending on your age. High-risk driver insurance can cost from 43% to 134% more than average. View High Risk Driver Rates
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 Idaho, Maine, and Iowa, or as much as $2,010 on average in Michigan, Louisiana, 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% |
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 Shop for Affordable Nissan Altima Insurance
Getting lower rates on insurance for a Nissan Altima not only requires avoiding accidents and claims, but also having good credit, eliminating unnecessary coverage, and determing if full coverage is necessary. Set aside time to shop around every year by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The points below are a brief review of the coverage data raised in the charts and tables above.
- Drivers can save as much as $170 per year just by shopping early and online
- Increasing physical damage deductibles could save as much as $550 each year
- Drivers under the age of 20 pay the highest prices, with premiums as much as $442 a month if they have full coverage
- Drivers considered higher risk with DUI or reckless driving convictions pay an average of $1,660 more each year to insure a Nissan Altima
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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