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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U.S. average auto insurance rates for a Nissan Altima are $1,372 annually including full coverage. Comprehensive costs on average $260, collision costs $512, and liability costs around $442. Buying just liability costs as low as $496 a year, with insurance for high-risk drivers costing around $2,986. 16-year-old drivers pay the highest rates at $5,230 a year or more.
Average premium for full coverage: $1,372
Price estimates by individual coverage:
Rates are based on $500 deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for all Altima models.
Price Range from Low to High
Using a 40-year-old driver as an example, Nissan Altima insurance prices go from as cheap as $496 for basic liability insurance to the much higher price of $2,986 for coverage for higher-risk drivers.
Geographic Price Range
Where you live can make a big difference on car insurance rates. Rural areas have fewer comprehensive and collision claims than congested cities.
The example below illustrates how rural and urban location affects car insurance rates.
The ranges above highlight why everyone should compare prices based on a specific location and their own personal driving habits, 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.
Rate Comparisons
The chart below breaks down estimated Nissan Altima insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $787
- Using higher $1,000 deductibles will save around $176 every year
- The estimated rate for the average middle-age driver with $500 deductibles is $1,372
- Buying pricier low deductibles for physical damage coverage will cost $1,712
- High-risk insureds with multiple tickets or accidents could pay upwards of $2,986 or more
- The price with full coverage for a 16-year-old driver for full coverage may cost $5,230 or more
Insurance prices for a Nissan Altima are also quite variable based on the trim level and model year, your driving characteristics, and policy deductibles and limits.
A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,300 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay upwards of $5,200 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying at a minimum $1,600 to $2,300 additional each year, depending on your age. Nissan Altima insurance for high-risk drivers can be from 44% to 130% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut prices by as much as $520 annually, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $450 more each year. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Nissan Altima insurance prices. A driver around age 40 might see prices as low as $1,050 a year in states like Missouri, New Hampshire, and Vermont, or at least $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% |
Since prices can be so different, the best way to figure out exactly what you will pay is to regularly compare prices from multiple companies. Each insurance company utilizes a different rate formula, and prices may be quite different between companies.
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 Buy the Best Cheap Nissan Altima Insurance
Getting lower rates on insurance for a Nissan Altima requires not taking risks behind the wheel, having good credit, being claim-free, and insuring your home and auto with the same company. Set aside time to shop around at least once a year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following is a quick review of the primary concepts that were raised 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
- Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,610 more each year for Altima insurance
- Increasing physical damage deductibles could save up to $525 each year
- Teens pay higher prices, possibly costing $436 a month if they have full coverage
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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