Nissan Altima Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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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 insurance is $430. Liability-only coverage costs around $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:
Rate estimates include $500 deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for all Altima models.
Price Range Variability
For the average driver, Nissan Altima insurance rates range from the cheapest price of $486 for just the minimum liability insurance to the much higher price of $3,024 for high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on auto insurance rates. Rural areas are shown to have more infrequent collision claims than congested cities. The example below illustrates how location impacts car insurance rates.
The examples above demonstrate why everyone should compare rates quotes based on a specific location and their own driving history, rather than relying 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 Analysis
The chart below details average Nissan Altima insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $797
- Raising to $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 increases the price to $1,748
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,024
- Policy cost to insure a teen driver for full coverage may cost $5,264
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 can reduce rates by up to $540 each year, 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 could pay as little as $1,300 every 12 months on average, 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 is expensive and can cost anywhere from 44% to 136% more than the average rate. View High Risk Driver Rates
Your home state also has a big influence on Nissan Altima insurance rates. A middle-age driver might find 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.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| 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 the Best Nissan Altima Insurance
Finding cheaper rates on Nissan Altima insurance consists of not taking risks behind the wheel, having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Spend time shopping around every couple of years by getting quotes from direct companies, and also from local exclusive and independent agents.
The following is a brief recap of the material that was touched on above.
- Drivers who require higher liability limits will pay around $470 every year to raise from a 30/60 limit to a 250/500 level
- Teens pay higher rates, as much as $439 each month if full coverage is included
- High-risk drivers who tend to receive serious violations may pay on average $1,630 more each year for Altima insurance
- Increasing comprehensive and collision deductibles could save as much as $550 each year
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,748 |
| $250 | $1,582 |
| $500 | $1,392 |
| $1,000 | $1,210 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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