Nissan Altima Insurance Rates

The average insurance prices for a Nissan Altima are $1,392 every 12 months with full coverage. Comprehensive costs approximately $274 each year, collision costs $530, and liability coverage is $430. Liability-only coverage costs around $486 a year, with high-risk coverage costing around $3,024. Teens cost the most to insure at $5,264 a year or more.

Average premium for full coverage: $1,392

Policy rates by type of insurance:

These estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and Altima models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of insurance. Rural locations are shown to have more infrequent collision claims than cities with more traffic congestion.

The graphic below illustrates how your location can change auto insurance prices.

The examples above demonstrate why all drivers should 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.

Rate Comparisons

The chart below details estimated Nissan Altima insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $797
• Raising to $1,000 deductibles will save $182 annually
• The average price for a good driver age 40 who chooses $500 deductibles is $1,392
• Selecting low deductibles increases the price to $1,748
• Unlucky drivers with serious driving violations could pay around $3,024 or more
• Policy cost to insure a teenage driver can cost $5,264

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $540 a year, whereas increasing liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $438 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents 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 should be prepared 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 may be forking out anywhere from $1,700 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 136% 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 $1,000 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,880 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison and see how they stack up. Every auto insurance company calculates rates differently, and rates will be varied.

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 having a decent driving record, having above-average credit, not filing small claims, and qualifying for all possible discounts. Invest the time to shop around every couple of years by obtaining price quotes from direct companies, and also from insurance agencies where you live.

The following items are a brief summary of the material that was illustrated above.

• Consumers who purchase additional liability coverage will pay approximately $470 every year to raise from a 30/60 limit to a 250/500 level
• 16 to 18-year-old drivers are the costliest to insure, as much as $439 each month if full coverage is included
• Drivers that tend to have accidents or serious violations could be forced to pay on average $1,630 more per year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles could save as much as $550 each year