Nissan Altima Insurance Rates

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UPDATED: Jun 7, 2024

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The average insurance prices for a Nissan Altima are $1,392 every 12 months with full coverage. Comprehensive costs on average $274, collision insurance costs $530, and liability costs around $430. Liability-only coverage costs as low as $486 a year, and high-risk coverage costs around $3,024. 16-year-old drivers cost the most to insure at up to $5,264 a year.

Average premium for full coverage: $1,392

Policy rates by type of insurance:

Comprehensive $274
Collision $530
Liability $430

These estimates include $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for all Altima models.

Price Range Variability

For an average driver, Nissan Altima insurance rates range from the cheapest price of $486 for minimum levels of liability insurance to the much higher price of $3,024 for coverage for higher-risk drivers.

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

Urban vs. Rural Price Range

Where you live can make a big difference on auto insurance rates. Rural areas are shown to have more infrequent collision claims than congested cities. The example below illustrates the effect of geographic area on car insurance rates.

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

The examples above demonstrate why everyone should compare prices based on a specific location and their own driving history, instead of making a decision based on 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.

Additional Rate Details

The chart below details average Nissan Altima insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $797
  • Using higher $1,000 deductibles will save around $182 annually
  • The average price for a good driver age 40 with $500 deductibles is $1,392
  • Buying pricier low deductibles for physical damage coverage increases the price to $1,748
  • High-risk insureds with multiple tickets or accidents could pay upwards of $3,024
  • Policy cost to insure a 16-year-old driver for full coverage may cost $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 rates for a Nissan Altima also range considerably based on liability limits and deductibles, your driving record, and the trim level of your Altima.

Opting for high physical damage deductibles could cut rates by as much as $540 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $438 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay upwards of $5,200 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $1,700 to $2,300 additional every year, depending on your age. Nissan Altima insurance for high-risk drivers can be from 44% to 136% more than the average rate. View High Risk Driver Rates

Your home state has a huge impact on Nissan Altima insurance prices. A driver around age 40 might see rates as low as $1,000 a year in states like New Hampshire, Ohio, and Utah, or at least $1,880 on average in Florida, Michigan, and New York.

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 Shop for Cheap Nissan Altima Insurance

Finding cheaper rates on insurance for a Nissan Altima requires being safe and accident-free, having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Take the time to compare rates at least once a year by getting quotes from direct companies, and also from local exclusive and independent agents.

Below you'll find a brief summary of the primary concepts that were covered in the above illustrations.

  • You may be able to save as much as $170 per year just by quoting online well ahead of the renewal date
  • Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,630 more each year than a low-risk driver
  • Increasing comprehensive and collision deductibles could save as much as $550 each year
  • Youthful drivers pay higher rates, as much as $439 each month if full coverage is included

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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