Nissan Altima Insurance Rates

The average auto insurance rates for a Nissan Altima are $1,392 annually for full coverage. Comprehensive costs an estimated $274 a year, collision costs $530, and liability costs $430. Buying just liability costs as little as $486 a year, with insurance for high-risk drivers costing around $3,024. Teenage drivers cost the most to insure at $5,264 a year or more.

Average premium for full coverage: $1,392

Policy rates broken down by type of insurance:

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Altima trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on insurance rates. More rural locations are shown to have fewer accident claims than densely populated cities.

The diagram below illustrates how rural and urban location affects insurance prices.

The examples above show why it is important to compare rates for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below shows estimated Nissan Altima insurance rates for other coverage scenarios.

• The best discount rate is $797
• Drivers who choose higher $1,000 deductibles will pay approximately $1,210 a year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,392
• Using low $100 deductibles for comprehensive and collision insurance will cost $1,748
• Drivers who are prone to accidents and violations could pay up to $3,024 or more
• Policy cost with full coverage for a 16-year-old driver can cost as much as $5,264 a year

View Chart as Image

Insurance rates for a Nissan Altima also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.

Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay at least $5,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying $1,700 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy can cost from 44% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $540 annually, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $438 more per year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Nissan Altima insurance prices. A 40-year-old driver could pay as low as $920 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,990 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know which auto insurance is cheapest is to get quotes from multiple companies. Every company uses a different method to calculate rates, so the rates will be varied between companies.

Insurance Rates by Trim Level and Model Year

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.

How to Buy Affordable Nissan Altima Insurance

Finding cheaper rates on insurance for a Nissan Altima not only requires being safe and accident-free, but also having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to shop around every year by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below you'll find a brief review of the coverage data raised in the charts and tables above.

• Drivers can save approximately $170 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $550 each year
• Youthful drivers are charged the highest rates, costing up to $439 each month including comprehensive and collision insurance
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,630 more annually than a low-risk driver