Nissan Altima Insurance Rates

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UPDATED: Jun 7, 2024

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The average insurance rates for a Nissan Altima are $1,372 a year including full coverage. Comprehensive costs around $260 a year, collision costs $512, and liability costs around $442. Liability-only insurance costs as low as $496 a year, with high-risk driver insurance costing around $2,986. Teen drivers cost the most to insure at $5,230 a year or more.

Average premium for full coverage: $1,372

Policy rates for type of insurance:

Comprehensive $260
Collision $512
Liability $442

Prices include $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Altima trim levels.

Price Range Variability

Using a 40-year-old driver as an example, Nissan Altima insurance rates go from the low end price of $496 for the bare minimum liability coverage to a high of $2,986 for coverage for higher-risk drivers.

Liability Only $496
Full Coverage $1,372
High Risk $2,986

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than larger metro areas.

The diagram below illustrates how rural and urban location affects auto insurance rates.

Rural Areas $1,029
Small Cities $1,441
Large Cities $1,852

The examples above highlight why it is important to compare prices for a specific zip code, 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.

Additional Rate Information

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

  • The lowest rate with discounts is $787
  • Using higher $1,000 deductibles will save about $1,196 every year
  • The estimated price for a good driver age 40 using $500 deductibles is $1,372
  • Choosing low $100 deductibles for physical damage coverage bumps up the cost to $1,712
  • High-risk insureds with multiple violations and an at-fault accident could pay at least $2,986 or more
  • Policy cost that insures a 16-year-old driver can be $5,230 or more

View Chart as Image

Nissan Altima insurance cost comparison chart
Column chart showing full coverage Nissan Altima insurance rates range from $787 to $5,230

Auto insurance rates for a Nissan Altima also range considerably based on the trim level of your Altima, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,600 to $2,300 in extra premium every year, depending on your age. A high-risk auto insurance policy can be from 44% to 130% more than average. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay as much as $5,200 a year. View Rates by Age

Your home state has a huge impact on Nissan Altima insurance prices. A driver around age 40 might see rates as low as $1,050 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,960 on average in Michigan, New York, and Louisiana.

Nissan Altima Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,240 -$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%

View Chart as Image

Nissan Altima insurance rates by U.S. city

Choosing high deductibles could cut rates by as much as $520 annually, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $450 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out your exact price is to get quotes from multiple companies. Each insurance company uses a different rate calculation, and quoted rates will be varied.

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 $1,296 $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.

Nissan Altima Insurance Rates by Model Year
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 Find the Right Nissan Altima Insurance

Finding cheaper rates on insurance for a Nissan Altima requires being safe and accident-free, maintaining a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Shop around at least once a year by requesting rates from direct car insurance companies, and also from local insurance agencies.

Below you'll find a quick rundown of the primary concepts that were raised in the charts and tables above.

  • You may be able to save up to $170 per year simply by quoting early and online
  • Drivers considered higher risk with reckless driving or DUI convictions may have to pay on average $1,610 more every year than a low-risk driver
  • Increasing comprehensive and collision deductibles can save approximately $525 each year
  • Youthful drivers are expensive to insure, with premiums being up to $436 each month if the policy includes full coverage

Rates by Driver Age

Nissan Altima Insurance 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

Nissan Altima Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,712
$250 $1,552
$500 $1,372
$1,000 $1,196

Full coverage, driver age 40

Rates by Liability Limit

Nissan Altima Insurance Rates with Different Liability Limits
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

Nissan Altima Insurance 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.

SR-22 Surcharge $195

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
Rate after discounts $787

Discounts are estimated and may not be available from every company or in every state.

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