Nissan Altima Insurance Rates
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UPDATED: Jun 7, 2024
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Average insurance rates for a Nissan Altima are $1,372 a year including full coverage. Comprehensive insurance costs on average $260, collision costs $512, and liability coverage costs around $442. A policy with just liability insurance costs as low as $496 a year, with coverage for high-risk drivers costing $2,986 or more. Teenage drivers receive the highest rates at $5,230 a year or more.
Average premium for full coverage: $1,372
Rate estimates by individual coverage type:
Prices include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and for all Altima models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from as low as $496 for your basic liability-only policy to the much higher price of $2,986 for a driver that may need high-risk insurance.
Price Range by Location
Where you live has a large influence on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than densely populated cities.
The example below illustrates how location helps determine car insurance rates.
These examples highlight why everyone should compare prices based on a specific location and risk profile, rather than using 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.
More Rate Information
The chart below breaks down estimated Nissan Altima insurance rates for different risk profiles and scenarios.
- The best discount rate is $787
- Using higher $1,000 deductibles will save around $176 every year
- The average rate for a 40-year-old driver with $500 deductibles is $1,372
- Using pricier low deductibles for physical damage coverage will cost an extra $340 each year
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,986 or more
- The cost for full coverage for a teenage driver for full coverage may cost $5,230 or more
Insurance rates for a Nissan Altima can also vary considerably based on your driver profile, the model of your Altima, and policy deductibles and limits.
A more mature driver with no violations or accidents and high deductibles may only pay around $1,300 a year for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay upwards of $5,200 a year. View Rates by Age
Where you live has a huge impact on Nissan Altima insurance rates. A driver around age 40 might see rates as low as $1,050 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,960 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,240 | -$132 | -9.6% |
| Alaska | $1,052 | -$320 | -23.3% |
| Arizona | $1,140 | -$232 | -16.9% |
| Arkansas | $1,372 | -$0 | 0.0% |
| California | $1,562 | $190 | 13.8% |
| Colorado | $1,310 | -$62 | -4.5% |
| Connecticut | $1,410 | $38 | 2.8% |
| Delaware | $1,552 | $180 | 13.1% |
| Florida | $1,714 | $342 | 24.9% |
| Georgia | $1,266 | -$106 | -7.7% |
| Hawaii | $984 | -$388 | -28.3% |
| Idaho | $928 | -$444 | -32.4% |
| Illinois | $1,022 | -$350 | -25.5% |
| Indiana | $1,034 | -$338 | -24.6% |
| Iowa | $926 | -$446 | -32.5% |
| Kansas | $1,304 | -$68 | -5.0% |
| Kentucky | $1,872 | $500 | 36.4% |
| Louisiana | $2,030 | $658 | 48.0% |
| Maine | $846 | -$526 | -38.3% |
| Maryland | $1,132 | -$240 | -17.5% |
| Massachusetts | $1,098 | -$274 | -20.0% |
| Michigan | $2,382 | $1,010 | 73.6% |
| Minnesota | $1,148 | -$224 | -16.3% |
| Mississippi | $1,642 | $270 | 19.7% |
| Missouri | $1,216 | -$156 | -11.4% |
| Montana | $1,474 | $102 | 7.4% |
| Nebraska | $1,080 | -$292 | -21.3% |
| Nevada | $1,642 | $270 | 19.7% |
| New Hampshire | $986 | -$386 | -28.1% |
| New Jersey | $1,534 | $162 | 11.8% |
| New Mexico | $1,214 | -$158 | -11.5% |
| New York | $1,444 | $72 | 5.2% |
| North Carolina | $790 | -$582 | -42.4% |
| North Dakota | $1,122 | -$250 | -18.2% |
| Ohio | $946 | -$426 | -31.0% |
| Oklahoma | $1,408 | $36 | 2.6% |
| Oregon | $1,256 | -$116 | -8.5% |
| Pennsylvania | $1,310 | -$62 | -4.5% |
| Rhode Island | $1,830 | $458 | 33.4% |
| South Carolina | $1,240 | -$132 | -9.6% |
| South Dakota | $1,158 | -$214 | -15.6% |
| Tennessee | $1,202 | -$170 | -12.4% |
| Texas | $1,652 | $280 | 20.4% |
| Utah | $1,016 | -$356 | -25.9% |
| Vermont | $940 | -$432 | -31.5% |
| Virginia | $822 | -$550 | -40.1% |
| Washington | $1,060 | -$312 | -22.7% |
| West Virginia | $1,256 | -$116 | -8.5% |
| Wisconsin | $950 | -$422 | -30.8% |
| Wyoming | $1,222 | -$150 | -10.9% |
Using high physical damage deductibles could cut rates by as much as $520 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $450 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,600 to $2,300 additional per year, depending on your age. Nissan Altima insurance for high-risk drivers can be around 44% to 130% more than a normal policy. View High Risk Driver Rates
With so much variability in rates, the best way to figure out exactly what you will pay is to regularly compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, and rates can be significantly different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Nissan Altima 2.5 4-Dr Sedan | $1,296 | $108 |
| Nissan Altima 2.5 S 4-Dr Sedan | $1,332 | $111 |
| Nissan Altima 2.5 S 2-Dr Coupe | $1,478 | $123 |
| Nissan Altima Hybrid 4-Dr Sedan | $1,344 | $112 |
| Nissan Altima 3.5 SR 4-Dr Sedan | $1,408 | $117 |
| Nissan Altima 3.5 SR 2-Dr Coupe | $1,554 | $130 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Nissan Altima | $294 | $566 | $398 | $1,416 |
| 2023 Nissan Altima | $284 | $552 | $416 | $1,410 |
| 2022 Nissan Altima | $274 | $530 | $430 | $1,392 |
| 2021 Nissan Altima | $260 | $512 | $442 | $1,372 |
| 2020 Nissan Altima | $250 | $474 | $452 | $1,334 |
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 Find the Right Nissan Altima Insurance
Saving money on auto insurance requires having a decent driving record, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Invest time comparing rates once a year by getting quotes from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.
The following items are a quick rundown of the data that was covered in the charts and tables above.
- You may be able to save as much as $170 per year simply by quoting online well ahead of the renewal date
- Consumers who require additional liability coverage will pay an extra $490 per year to increase from a minimum limit to 250/500 limits
- 16 to 18-year-old drivers pay higher rates, as much as $436 per month including comprehensive and collision insurance
- Drivers with reckless driving or DUI convictions may pay on average $1,610 more each year than a driver with a clean driving record
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,230 |
| 20 | $3,188 |
| 30 | $1,424 |
| 40 | $1,372 |
| 50 | $1,254 |
| 60 | $1,230 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,712 |
| $250 | $1,552 |
| $500 | $1,372 |
| $1,000 | $1,196 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,372 |
| 50/100 | $1,654 |
| 100/300 | $1,779 |
| 250/500 | $2,104 |
| 100 CSL | $1,704 |
| 300 CSL | $1,979 |
| 500 CSL | $2,179 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,454 |
| 20 | $5,086 |
| 30 | $3,044 |
| 40 | $2,986 |
| 50 | $2,854 |
| 60 | $2,828 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $73 |
| Multi-vehicle | $74 |
| Homeowner | $21 |
| 5-yr Accident Free | $101 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $62 |
| Advance Quote | $68 |
| Online Quote | $97 |
| Total Discounts | $585 |
Discounts are estimated and may not be available from every company or in every state.
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