Nissan Altima Insurance Rates
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UPDATED: Jun 7, 2024
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U.S. average insurance prices for a Nissan Altima are $1,392 every 12 months for full coverage insurance. Comprehensive costs approximately $274, collision insurance costs $530, and liability insurance costs around $430. A policy with just liability insurance costs as low as $486 a year, and coverage for high-risk drivers costs around $3,024. 16-year-old drivers pay the highest rates at up to $5,264 a year.
Average premium for full coverage: $1,392
Price estimates by individual coverage:
These estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and for all Altima models.
Price Range from Low to High
For a driver around age 40, Nissan Altima insurance prices range from the cheapest price of $486 for just liability insurance to the much higher price of $3,024 for a driver that may need high-risk insurance.
Geographic Price Range
Where you live has a significant impact on the price of auto insurance. Rural locations have more infrequent physical damage claims than congested cities. The example below illustrates the difference between rural and urban areas on auto insurance prices.
The ranges above illustrate why everyone should compare prices using their 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.
More Rate Details
The chart below illustrates average Nissan Altima insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $797
- Using higher $1,000 deductibles will save $182 each year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,392
- Buying pricier low deductibles for physical damage coverage increases the price to $1,748
- Drivers with multiple tickets or accidents could pay around $3,024
- The price to insure a teen driver for full coverage can cost $5,264 or more
Insurance prices for a Nissan Altima are also quite variable based on deductibles and policy limits, your risk profile, and the model of your Altima.
Opting for high physical damage deductibles could cut prices by as much as $540 each year, whereas buying more liability protection will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $438 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles could pay as little as $1,300 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $5,200 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,700 to $2,300 extra each year, depending on your age. Nissan Altima insurance for high-risk drivers can be anywhere from 44% to 136% more than the average rate. View High Risk Driver Rates
The state you live in has a huge impact on Nissan Altima insurance rates. A driver around age 40 might see prices as low as $910 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,880 on average in Florida, New York, and Michigan.
| 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 Cheap Nissan Altima Insurance
Getting lower rates on Nissan Altima insurance requires avoiding accidents and claims, having good credit, not filing small claims, and possibly raising deductibles. Set aside time to compare rates once a year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The points below are a brief summary of the data that was covered above.
- It is possible to save around $170 per year just by quoting online well ahead of the renewal date
- Drivers who purchase increased liability limits will pay around $470 annually to increase from a low limit to a 250/500 level
- Drivers under the age of 20 are expensive to insure, as much as $439 a month if they have full coverage
- High-risk drivers that tend to have accidents or serious violations may have to pay on average $1,630 more per year to insure a Nissan Altima
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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