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...

Dani Best

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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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Average insurance prices for a Nissan Altima are $1,392 every 12 months including full coverage. Comprehensive costs on average $274 each year, collision costs $530, and liability costs around $430. A policy with just liability insurance costs as low as $486 a year, with coverage for high-risk drivers costing around $3,024. Teen drivers receive the highest rates at $5,264 a year or more.

Average premium for full coverage: $1,392

Rate estimates by individual coverage type:

Comprehensive $274
Collision $530
Liability $430

Rate estimates include $500 physical damage deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Altima models.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range go from the cheapest price of $486 for liability-only coverage to a high rate of $3,024 for high-risk insurance.

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

Price Range by Location

Where you live can have significant affects on car insurance rates. Rural areas tend to have more infrequent comprehensive and collision claims than larger metro areas.

The graphic below illustrates how where you live affects car insurance rates.

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

These examples highlight why all drivers should compare prices based on a specific location and their own driving history, instead of using 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.

Additional Charts and Tables

The chart below breaks down estimated Nissan Altima insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $797
  • Using higher $1,000 deductibles will save around $182 every year
  • The average price for a 40-year-old driver with $500 deductibles is $1,392
  • Choosing low deductibles for physical damage coverage increases the price to $1,748
  • Drivers with multiple violations and an at-fault accident could pay upwards of $3,024 or more
  • The cost to insure a teen driver may cost $5,264 or more

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

Insurance rates for a Nissan Altima can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level of your Altima.

Choosing high deductibles could cut rates by as much as $540 every year, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $438 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as little as $1,300 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay upwards of $5,200 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at a minimum $1,700 to $2,300 additional per year, depending on your age. Insurance for high-risk drivers can be as much as 44% to 136% more than average. View High Risk Driver Rates

Where you live has a huge impact on Nissan Altima insurance prices. A driver around age 40 might see rates as low as $1,070 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,990 on average in Michigan, New York, and Louisiana.

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

With so much variability in rates, the best way to figure out exactly what you will pay is to do a rate comparison and see which company has the best rate. Each insurance company uses a different rate calculation, and rates can be significantly different.

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 Shop for the Best Nissan Altima Insurance

Saving money on car insurance requires being a safe and courteous driver, having above-average credit, not filing small claims, and insuring your home and auto with the same company. Take the time to comparison shop every couple of years by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below is a brief recap of the material that was touched on in the above illustrations.

  • Policyholders who require higher levels of liability will pay about $470 per year to increase from a minimum limit to a 250/500 level
  • Teenage drivers pay higher rates, as much as $439 per month if full coverage is included
  • Higher risk drivers who tend to receive serious violations may pay on average $1,630 more each year for auto insurance
  • Increasing deductibles could save as much as $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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