Nissan Altima Insurance Rates

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Cheap 2020 Nissan Altima Insurance Cost in 2025

Searching for better car insurance rates for your Nissan Altima? Locating better insurance prices for your Nissan Altima could be difficult, but you can learn the following methods to make it easier. There are both good and bad ways to compare car insurance rates so you're going to learn the proper way to get price quotes on a Nissan and find the best price possible either online or from local in...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Jun 7, 2024

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The average insurance rates for a Nissan Altima are $1,392 a year with full coverage. Comprehensive costs around $274, collision costs $530, and liability costs $430. A liability-only policy costs as little as $486 a year, with high-risk insurance costing around $3,024. Teen drivers cost the most to insure at $5,264 a year or more.

Average premium for full coverage: $1,392

Policy rates for type of insurance:

Comprehensive $274
Collision $530
Liability $430

Rate estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all Altima models.

Price Range Variability

For a driver around age 40, Nissan Altima insurance rates go from as low as $486 for just liability insurance to the much higher price of $3,024 for high-risk insurance.

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

Urban vs. Rural Price Range

Your location can make a big difference on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than larger metro areas.

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

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

The examples above demonstrate why everyone should compare rates for a specific zip code and risk profile, instead of making a decision based on price 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.

More Rate Details

The chart below details estimated Nissan Altima insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $797
  • Drivers who choose higher $1,000 deductibles will pay about $182 annually
  • The average rate for a good driver age 40 using $500 deductibles is $1,392
  • Choosing pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,748
  • Drivers with multiple violations and an at-fault accident could pay at least $3,024 or more
  • Policy cost for full coverage for a 16-year-old driver for full coverage can be $5,264 a year

View Chart as Image

Nissan Altima insurance cost comparison chart
Column chart showing full coverage Nissan Altima insurance rates range from $797 to $5,264

Car insurance rates for a Nissan Altima also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.

A more mature driver with no driving violations and high deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged as much as $5,200 a year. View Rates by Age

Your home state makes a big difference in Nissan Altima insurance prices. A 40-year-old driver could pay as low as $1,000 a year in states like New Hampshire, Ohio, and Utah, or as much as $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

Choosing high deductibles could save up to $540 annually, whereas buying more liability protection will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $438 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,700 to $2,300 extra every year, depending on your age. Nissan Altima insurance for high-risk drivers can cost from 44% to 136% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to find out your exact price is to regularly compare rates from multiple companies. Every company uses a different rate calculation, so rate quotes will be varied from one company to the next.

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 Find the Best Nissan Altima Insurance

Finding cheaper rates on insurance for a Nissan Altima not only requires avoiding accidents and violations, but also having above-average credit, not filing small claims, and qualifying for all possible discounts. Set aside time to compare rates every couple of years by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The list below is a brief recap of the material that was covered above.

  • Insureds who may need higher liability limits will pay about $470 every year to go from a 30/60 limit to 250/500 limits
  • Teenagers are the costliest to insure, as much as $439 each month if full coverage is included
  • Drivers considered higher risk who tend to receive serious violations pay an average of $1,630 more every year for car insurance
  • Increasing comprehensive and collision deductibles can save around $550 each year

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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