Nissan Altima Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 7, 2024

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U.S. average auto insurance rates for a Nissan Altima are $1,392 annually for full coverage insurance. Comprehensive costs around $274, collision insurance costs $530, and liability insurance costs around $430. A policy with just liability insurance costs as low as $486 a year, and coverage for high-risk drivers costs around $3,024. Teenage drivers pay the highest rates at up to $5,264 a year.

Average premium for full coverage: $1,392

Price estimates for individual coverage:

Comprehensive $274
Collision $530
Liability $430

Full coverage includes $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for different Altima trim levels.

Price Range from Low to High

For the average 40-year-old driver, Nissan Altima insurance prices range from as cheap as $486 for the bare minimum liability coverage to a much higher rate of $3,024 for a high-risk driver policy.

Liability Only $486
Full Coverage $1,392
High Risk $3,024

Geographic Price Range

Where you live has a significant impact on car insurance rates. Areas with sparse population have fewer physical damage claims than densely populated cities. The price range example below illustrates the difference location can make on auto insurance rates.

Rural Areas $1,044
Small Cities $1,462
Large Cities $1,879

The ranges above illustrate why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, rather than relying on average rates.

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 Information

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

  • The best discount rate is $797
  • Using higher $1,000 deductibles will save about $182 each year
  • The estimated rate for the average middle-age driver using $500 deductibles is $1,392
  • Using more expensive low deductibles for physical damage coverage will cost $1,748
  • Drivers who are prone to accidents and violations could pay at least $3,024
  • The price with full coverage for a teen driver with full coverage can be $5,264 or more

View Chart as Image

Nissan Altima insurance cost comparison chart
Column chart showing Nissan Altima insurance rates range from $797 to $5,264 for full coverage

Insurance prices for a Nissan Altima are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.

An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay as much as $5,200 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at least $1,700 to $2,300 extra each year, depending on your age. High-risk driver insurance can be anywhere from 44% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $540 each year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $438 more per year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Nissan Altima insurance rates. A driver around age 40 might see prices as low as $910 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,880 on average in Michigan, New York, and Florida.

Nissan Altima Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,258 -$134 -9.6%
Alaska $1,068 -$324 -23.3%
Arizona $1,156 -$236 -17.0%
Arkansas $1,392 -$0 0.0%
California $1,586 $194 13.9%
Colorado $1,330 -$62 -4.5%
Connecticut $1,432 $40 2.9%
Delaware $1,576 $184 13.2%
Florida $1,740 $348 25.0%
Georgia $1,286 -$106 -7.6%
Hawaii $998 -$394 -28.3%
Idaho $940 -$452 -32.5%
Illinois $1,036 -$356 -25.6%
Indiana $1,048 -$344 -24.7%
Iowa $940 -$452 -32.5%
Kansas $1,322 -$70 -5.0%
Kentucky $1,898 $506 36.4%
Louisiana $2,060 $668 48.0%
Maine $858 -$534 -38.4%
Maryland $1,146 -$246 -17.7%
Massachusetts $1,116 -$276 -19.8%
Michigan $2,418 $1,026 73.7%
Minnesota $1,166 -$226 -16.2%
Mississippi $1,666 $274 19.7%
Missouri $1,236 -$156 -11.2%
Montana $1,496 $104 7.5%
Nebraska $1,098 -$294 -21.1%
Nevada $1,666 $274 19.7%
New Hampshire $1,004 -$388 -27.9%
New Jersey $1,556 $164 11.8%
New Mexico $1,232 -$160 -11.5%
New York $1,466 $74 5.3%
North Carolina $802 -$590 -42.4%
North Dakota $1,140 -$252 -18.1%
Ohio $962 -$430 -30.9%
Oklahoma $1,430 $38 2.7%
Oregon $1,276 -$116 -8.3%
Pennsylvania $1,328 -$64 -4.6%
Rhode Island $1,856 $464 33.3%
South Carolina $1,260 -$132 -9.5%
South Dakota $1,174 -$218 -15.7%
Tennessee $1,220 -$172 -12.4%
Texas $1,678 $286 20.5%
Utah $1,030 -$362 -26.0%
Vermont $954 -$438 -31.5%
Virginia $834 -$558 -40.1%
Washington $1,076 -$316 -22.7%
West Virginia $1,276 -$116 -8.3%
Wisconsin $964 -$428 -30.7%
Wyoming $1,240 -$152 -10.9%

View Chart as Image

Nissan Altima insurance rates by U.S. city

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 $1,312 $109
Nissan Altima 2.5 S 4-Dr Sedan $1,352 $113
Nissan Altima 2.5 S 2-Dr Coupe $1,498 $125
Nissan Altima Hybrid 4-Dr Sedan $1,364 $114
Nissan Altima 3.5 SR 4-Dr Sedan $1,432 $119
Nissan Altima 3.5 SR 2-Dr Coupe $1,576 $131

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.

Nissan Altima Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Nissan Altima $306 $570 $390 $1,424
2023 Nissan Altima $294 $566 $398 $1,416
2022 Nissan Altima $284 $552 $416 $1,410
2021 Nissan Altima $274 $530 $430 $1,392
2020 Nissan Altima $260 $512 $442 $1,372

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 More Affordable Nissan Altima Insurance

Getting lower rates on Nissan Altima insurance requires being a low-risk driver, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Make time to compare rates every time your policy renews by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a summary of the information touched on in this article.

  • It is possible to save up to $170 per year just by shopping early and online
  • Teen drivers pay higher prices, as much as $439 a month including comprehensive and collision insurance
  • Increasing physical damage deductibles could save up to $550 each year
  • High-risk drivers who have multiple accidents or major violations pay on average $1,630 more every year to insure their Altima
  • Drivers who may need more liability coverage will pay an extra $470 annually to increase from a low limit to higher 250/500 limits

Rates by Driver Age

Nissan Altima Insurance Rates by Driver Age
Driver Age Premium
16 $5,264
20 $3,232
30 $1,448
40 $1,392
50 $1,274
60 $1,250

Full coverage, $500 deductibles

Rates by Deductible

Nissan Altima Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,748
$250 $1,582
$500 $1,392
$1,000 $1,210

Full coverage, driver age 40

Rates by Liability Limit

Nissan Altima Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,392
50/100 $1,673
100/300 $1,795
250/500 $2,111
100 CSL $1,722
300 CSL $1,989
500 CSL $2,184

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan Altima Insurance Rates for High Risk Drivers
Age Premium
16 $7,506
20 $5,148
30 $3,086
40 $3,024
50 $2,890
60 $2,864

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 $197

Potential Rate Discounts

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

Discount Savings
Multi-policy $74
Multi-vehicle $74
Homeowner $21
5-yr Accident Free $103
5-yr Claim Free $91
Paid in Full/EFT $64
Advance Quote $69
Online Quote $99
Total Discounts $595
Rate after discounts $797

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

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