Nissan Altima Insurance Rates

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UPDATED: Jun 7, 2024

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The average auto insurance rates for a Nissan Altima are $1,372 annually with full coverage. Comprehensive insurance costs an estimated $260 each year, collision costs $512, and liability coverage costs $442. Liability-only coverage costs as little as $496 a year, with high-risk coverage costing $2,986 or more. Teenage drivers cost the most to insure at $5,230 a year or more.

Average premium for full coverage: $1,372

Policy rates broken down by type of insurance:

Comprehensive $260
Collision $512
Liability $442

Full coverage includes $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and Altima models.

Price Range Variability

For the average 40-year-old driver, Nissan Altima insurance rates go from as cheap as $496 for a discount liability-only rate to a high rate of $2,986 for a driver who has had serious violations or accidents.

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

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. More rural locations are shown to have fewer collision claims than densely populated cities.

The graphic below illustrates the difference location can make on insurance prices.

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

The examples above demonstrate why all drivers should compare rates for a targeted area and their own personal driving habits, rather than using average rates.

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.

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Rates by State, City, and Model

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

  • The best discount rate is $787
  • Drivers who choose higher $1,000 deductibles will pay approximately $176 annually
  • The estimated rate for a good driver age 40 who has $500 deductibles is $1,372
  • Using low deductibles for comprehensive and collision insurance costs an additional $340 each year
  • High-risk insureds who are prone to accidents and violations could pay up to $2,986 or more
  • Policy cost with full coverage for a teenage driver can cost as much as $5,230 a year

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

Insurance rates for a Nissan Altima also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.

More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay at least $5,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,600 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers can cost around 44% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $520 a year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $450 more each year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Nissan Altima insurance rates. A 40-year-old driver could pay as low as $990 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,850 on average in New York, Michigan, and Florida.

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

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to do a rate comparison and see how they stack up. Every company uses a different method to calculate rates, and rates will be varied between companies.

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 Buy More Affordable Nissan Altima Insurance

Finding cheaper rates on auto insurance not only requires being a safe and courteous driver, but also having good credit, not filing small claims, and maximizing policy discounts. Make time to compare rates every other policy renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below is a summary of the ideas that were touched on in this article.

  • Teenage drivers are expensive to insure, as much as $436 each month if they have full coverage
  • Drivers who have multiple accidents or major violations pay on average $1,610 more annually for auto insurance
  • Increasing comprehensive and collision deductibles could save up to $525 each year
  • You may be able to save approximately $170 per year simply by quoting online in advance

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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