Nissan Altima Insurance Rates

The average insurance prices for a Nissan Altima are $1,372 every 12 months for full coverage. Comprehensive costs approximately $260 a year, collision costs $512, and liability costs $442. Liability-only coverage costs as little as $496 a year, with high-risk coverage costing around $2,986. Teenage drivers cost the most to insure at $5,230 a year or more.

Average premium for full coverage: $1,372

Policy rates by type of insurance:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and Altima trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Rural locations are shown to have more infrequent accident claims than densely populated cities.

The diagram below illustrates how location impacts auto insurance prices.

The examples above show why it is important to compare rates using their specific location and their own driving history, instead of using average rates.

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

Rates by State, City, and Model

The chart below shows estimated Nissan Altima insurance rates for additional coverage and risk scenarios.

• The best discount rate is $787
• Drivers who choose higher $1,000 deductibles will pay $1,196 a year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,372
• Using low $100 deductibles for comprehensive and collision insurance increases the price to $1,712
• Higher-risk drivers who are prone to accidents and violations could pay around $2,986 or more
• Policy cost to insure a teen driver can cost $5,230 a year

View Chart as Image

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

Using high physical damage deductibles could save up to $520 every year, while buying higher liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $450 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay in the ballpark 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 could be paying anywhere from $1,600 to $2,300 additional every year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 130% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Nissan Altima insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,960 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to get quotes and see which company has the best rate. Every company uses a different method to calculate rates, and 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 Shop for Affordable Nissan Altima Insurance

Finding cheaper rates on car insurance not only requires being a good driver, but also having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Spend time shopping around every time your policy renews by getting quotes from direct carriers, and also from your local independent and exclusive agents.

The following list is a brief review of the information touched on above.

• Drivers can save around $170 per year simply by quoting early and online
• Drivers age 16 to 20 are the costliest to insure, costing up to $436 each month if full coverage is included
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,610 more per year than a safer driver
• Policyholders who purchase an increased level of liability coverage will pay an extra $490 each year to go from a 30/60 limit to a 250/500 level