Nissan Altima Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 7, 2024
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Estimated insurance prices for a Nissan Altima are $1,372 every 12 months for full coverage. Comprehensive insurance costs an estimated $260 each year, collision insurance costs $512, and liability insurance costs around $442. A policy with only liability insurance costs as low as $496 a year, and a high-risk policy costs $2,986 or more. 16-year-old drivers pay the most at up to $5,230 a year.
Average premium for full coverage: $1,372
Premium estimates broken down by type of coverage:
Rate estimates include $500 deductible amounts, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all states and Altima models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Nissan Altima range from the cheapest price of $496 for just liability insurance to a high rate of $2,986 for coverage for higher-risk drivers.
Insurance Price Range by Location
Where you live has a significant impact on insurance rates. More rural locations are statistically proven to have more infrequent accident claims than congested cities. The graphic below illustrates how where you live affects insurance prices.
These rate differences show why all drivers should compare prices for a targeted area 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 shows average Nissan Altima insurance rates for other coverage scenarios.
- The best full coverage rate is $787
- Using higher $1,000 deductibles will save approximately $176 a year
- The average price for a 40-year-old good driver who has $500 deductibles is $1,372
- Buying low deductibles for physical damage coverage costs an extra $340 a year
- Drivers with multiple tickets or accidents could pay up to $2,986
- An auto insurance policy to insure a teen driver can cost as much as $5,230 or more
Car insurance prices for a Nissan Altima also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model year and trim level.
Opting for high physical damage deductibles could cut prices by as much as $520 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $450 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged at least $5,200 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying $1,600 to $2,300 extra annually, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates
Where you choose to live has a huge impact on Nissan Altima insurance rates. A driver around age 40 might see prices as low as $900 a year in states like Iowa, Maine, and Idaho, or at least $1,960 on average in New York, Louisiana, and Michigan.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Shop for the Best Nissan Altima Insurance
Finding better rates on Nissan Altima insurance requires having a good driving record, maintaining a good credit score, not filing small claims, and possibly higher deductibles. Take the time to comparison shop at least once a year by requesting quotes from direct carriers, and also from several local insurance agents.
The next list is a brief recap of the primary concepts that were touched on in the above illustrations.
- Drivers can save approximately $170 per year just by quoting online in advance
- High-risk drivers who tend to receive serious violations pay on average $1,610 more annually to buy Nissan Altima insurance
- Increasing policy deductibles could save as much as $525 each year
- Drivers age 20 and younger have the highest car insurance prices, as much as $436 per month if the policy includes full coverage
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,712 |
| $250 | $1,552 |
| $500 | $1,372 |
| $1,000 | $1,196 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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