Nissan Altima Insurance Rates

The average insurance rates for a Nissan Altima are $1,392 a year including full coverage. Comprehensive costs an estimated $274, collision costs $530, and liability costs around $430. Buying just liability costs as low as $486 a year, with insurance for high-risk drivers costing around $3,024. Teens 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:

Estimates include $500 deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for all Altima models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates the difference between rural and urban areas on insurance prices.

The examples above highlight why everyone should compare prices for a targeted area, instead of using averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $797
• Using higher $1,000 deductibles will save approximately $182 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,392
• Selecting pricier low deductibles for physical damage coverage bumps up the cost to $1,748
• Drivers with serious driving violations could pay up to $3,024 or more
• Policy cost that insures a teen driver for full coverage can cost as much as $5,264 or more

View Chart as Image

Insurance rates for a Nissan Altima also range considerably based on the model of your Altima, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,700 to $2,300 extra every year, depending on your age. Nissan Altima insurance for high-risk drivers can be as much as 44% to 136% more than the average policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay at least $5,200 a year. View Rates by Age

Your home state has a huge impact on Nissan Altima insurance prices. A driver around age 40 might see rates as low as $1,070 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,990 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $540 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $438 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates and see which company has the best rate. Each insurance company calculates rates differently, so the rates will be varied.

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 Find Low Cost Nissan Altima Insurance

Finding cheaper rates on car insurance requires not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and taking advantage of discounts. Compare rates every time your policy renews by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The following is a review of the information covered above.

• You may be able to save approximately $170 per year simply by quoting online well ahead of the renewal date
• Teens are charged the highest rates, with premiums being up to $439 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save approximately $550 each year
• Higher risk drivers who have several accidents or serious violations could be charged and average of $1,630 more annually for Altima insurance
• Policyholders who want higher liability limits will pay approximately $470 per year to increase from a 30/60 limit to the 250/500 level