Nissan Altima Insurance Rates

The average insurance prices for a Nissan Altima are $1,372 every 12 months for full coverage insurance. Comprehensive costs on average $260 a year, collision insurance costs $512, and liability coverage costs around $442. Buying just liability costs as low as $496 a year, and insurance for high-risk drivers costs around $2,986. Teenage drivers 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:

Full coverage includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and Altima trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. Rural areas are shown to have more infrequent physical damage claims than densely populated cities. The diagram below illustrates the effect of geographic area on car insurance rates.

The examples above illustrate why it is important to compare prices based on a specific location and their own driving history, rather than using average rates.

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

Rates by State, City, and Model

The chart below illustrates average Nissan Altima insurance rates for different risk profiles and scenarios.

• The best discount rate is $787
• Using higher $1,000 deductibles will save around $1,196 each year
• The average price for a good driver age 40 with $500 deductibles is $1,372
• Using low $100 deductibles for physical damage coverage increases the price to $1,712
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,986
• Policy cost to insure a teenage driver may cost $5,230 or more

View Chart as Image

Insurance rates for a Nissan Altima also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your Altima.

Using high physical damage deductibles could cut rates by as much as $520 a year, while buying higher liability limits will cost you more. Switching 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 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay upwards 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 probably paying at a minimum $1,600 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy can be around 44% to 130% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Nissan Altima insurance rates. A driver around age 40 might see rates as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,850 on average in Michigan, New York, and Florida.

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 More Affordable Nissan Altima Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and violations, having good credit, being claim-free, and determing if full coverage is necessary. Take the time to compare rates once a year by getting price quotes from direct insurance companies, and also from several local insurance agents.

The list below is a summary of the data that was covered in the above illustrations.

• It is possible to save as much as $170 per year just by quoting early and online
• Consumers who require higher liability limits will pay an extra $490 annually to increase from a 30/60 limit to a 250/500 level
• Teenagers pay the highest rates, possibly costing $436 each month if they have full coverage
• Drivers who have multiple accidents or major violations pay on average $1,610 more each year for car insurance