Nissan Altima Insurance Rates

Estimated insurance rates for a Nissan Altima are $1,392 a year for full coverage. Comprehensive costs on average $274 a year, collision costs $530, and liability is $430. A liability-only policy costs around $486 a year, with high-risk insurance costing around $3,024. Teenage drivers pay the most at $5,264 a year or more.

Average premium for full coverage: $1,392

Premium estimates by type of coverage:

Full coverage includes $500 physical damage insurance deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and Altima trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than densely populated cities.

The diagram below illustrates the difference location can make on car insurance rates.

These rate differences show why it is important to compare rates quotes based on a specific location, instead of making a decision based on average rates.

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

More Rate Information

The chart below shows estimated Nissan Altima insurance rates for different risk profiles and scenarios.

• The best discount rate is $797
• Raising to $1,000 deductibles will save around $1,210 a year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,392
• Using low $100 deductibles bumps up the cost to $1,748
• Drivers who are prone to accidents and violations could pay upwards of $3,024 or more
• An auto insurance policy that insures a 16-year-old driver may cost $5,264

View Chart as Image

Auto insurance prices for a Nissan Altima also have a wide range based on the trim level of your Altima, how you drive, and policy deductibles and limits.

If you have a few violations or you caused an accident, you could be paying at a minimum $1,700 to $2,300 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 136% more than a normal policy. 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 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay upwards of $5,200 a year. View Rates by Age

Where you choose to live also has a big influence on Nissan Altima insurance prices. A middle-age driver might find prices as low as $920 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,990 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $540 annually, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $438 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know exactly what you will pay is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate prices, and quoted prices will be substantially different.

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 Find More Affordable Nissan Altima Insurance

Finding better rates on insurance for a Nissan Altima consists of being a low-risk driver, maintaining a good credit score, not filing small claims, and taking advantage of discounts. Compare prices once a year by quoting rates from direct carriers, and also from local exclusive and independent agents.

The items below are a summary of the data that was touched on in this article.

• Drivers can save as much as $170 per year simply by quoting early and online
• Insureds who require more liability coverage will pay an extra $470 each year to raise from 30/60 bodily injury limits to the 250/500 level
• Teen drivers are charged the highest prices, as much as $439 per month if the policy includes full coverage
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,630 more each year to insure their Altima