Nissan Altima Insurance Rates

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UPDATED: Jun 7, 2024

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U.S. average insurance rates for a Nissan Altima are $1,372 a year for full coverage. Comprehensive insurance costs an estimated $260, collision costs $512, and liability coverage is $442. Liability-only insurance costs around $496 a year, with high-risk driver insurance costing $2,986 or more. Teen drivers pay the highest rates at $5,230 a year or more.

Average premium for full coverage: $1,372

Price estimates broken down by individual coverage:

Comprehensive $260
Collision $512
Liability $442

Rates are based on $500 physical damage insurance deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for all Altima models.

Price Range from Low to High

For a 40-year-old driver, Nissan Altima insurance prices go from as low as $496 for minimum levels of liability insurance to the much higher price of $2,986 for a driver that may need high-risk insurance.

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

Geographic Price Range

Choosing to live in a large city has a large influence on insurance rates. More rural locations have a lower frequency of accident claims than larger metro areas.

The example below illustrates how your location can change insurance prices.

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

The ranges above show why everyone should compare rates quotes for a targeted area and risk profile, rather than 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 Rate Details

The chart below shows estimated Nissan Altima insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $787
  • Raising to $1,000 deductibles will save approximately $176 a year
  • The average rate for the average middle-age driver who has $500 deductibles is $1,372
  • Choosing pricier low deductibles will cost an extra $340 each year
  • Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,986 or more
  • The price for full coverage for a teenage driver for full coverage can cost as much as $5,230

View Chart as Image

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

Car insurance prices for a Nissan Altima are also quite variable based on your driving record, the trim level of your Altima, and liability limits and deductibles.

A more mature driver with no driving violations and high deductibles may only pay around $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged at least $5,200 a year. View Rates by Age

The state you live in also has a big influence on Nissan Altima insurance rates. A middle-age driver might find prices as low as $900 a year in states like Iowa, Maine, and Idaho, or as much as $1,960 on average in New York, Louisiana, and Michigan.

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 can reduce prices by up to $520 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $450 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying $1,600 to $2,300 extra each year, depending on your age. Nissan Altima insurance for high-risk drivers is expensive and can cost around 44% to 130% more than average. View High Risk Driver Rates

Since prices can be so different, the only way to know which car insurance is cheapest is to regularly compare prices and see how they stack up. Every auto insurance company uses a different rate calculation, so rate quotes may be quite different 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 $1,296 $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 Best Cheap Nissan Altima Insurance

Getting lower rates on auto insurance consists of being a low-risk driver, having above-average credit, eliminating unnecessary coverage, and not having any coverage lapses. Invest the time to shop around once a year by getting rate quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

The items below are a quick review of the data that was illustrated above.

  • Drivers can save approximately $170 per year simply by quoting online well ahead of the renewal date
  • Consumers who want more liability coverage will pay about $490 each year to raise from a low limit to 250/500 limits
  • Teen drivers have the highest car insurance prices, with premiums as much as $436 a month if full coverage is included
  • Drivers with a DUI or reckless driving violation pay an average of $1,610 more annually to insure their Altima

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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