Nissan Altima Insurance Rates

The average insurance prices for a Nissan Altima are $1,372 every 12 months including full coverage. Comprehensive insurance costs approximately $260 a year, collision insurance costs $512, and liability coverage is $442. Buying just liability costs around $496 a year, and insurance for high-risk drivers costs $2,986 or more. Teens cost the most to insure at up to $5,230 a year.

Average premium for full coverage: $1,372

Policy rates by type of insurance:

These estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Altima trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how location impacts auto insurance prices.

The examples above highlight why it is important to compare rates quotes using their specific location and their own driving history, rather than using averaged prices.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below breaks down average Nissan Altima insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $787
• Raising to $1,000 deductibles will save $1,196 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,372
• Selecting low $100 deductibles costs an extra $340 each year
• Unlucky drivers with serious driving violations could pay around $2,986
• Policy cost to insure a teenage driver can cost $5,230

View Chart as Image

Insurance rates for a Nissan Altima also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Altima.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $520 a year, while buying higher liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $450 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay in the ballpark of $5,200 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $1,600 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 44% to 130% more than the average policy. View High Risk Driver Rates

Your home state also has a big influence on Nissan Altima insurance rates. A middle-age driver might find rates as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,960 on average in Louisiana, New York, and Michigan.

View Chart as Image

Insurance Rates by Trim Level and Model Year

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.

How to Shop for Cheap Nissan Altima Insurance

Finding cheaper rates on auto insurance consists of avoiding accidents and violations, having good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Spend time shopping around every other policy renewal by requesting rates from direct car insurance companies, and also from your local car insurance providers.

The list below is a brief summary of the ideas that were touched on above.

• Teenagers are expensive to insure, with premiums being up to $436 each month if they have full coverage
• Drivers that tend to have accidents or serious violations could be charged and average of $1,610 more per year for car insurance
• Increasing comprehensive and collision deductibles could save as much as $525 each year
• You may be able to save around $170 per year just by quoting early and online