Nissan Altima Insurance Rates
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UPDATED: Jun 7, 2024
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Average insurance prices for a Nissan Altima are $1,410 every 12 months for full coverage insurance. Comprehensive insurance costs on average $284 each year, collision costs $552, and liability insurance is estimated at $416. A liability-only policy costs approximately $474 a year, with high-risk insurance costing $3,066 or more. Teenage drivers receive the highest rates at $5,306 a year or more.
Average premium for full coverage: $1,410
Rate estimates by individual coverage type:
Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and Altima models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from the cheapest price of $474 for the bare minimum liability coverage to a high rate of $3,066 for a driver who requires high-risk insurance.
Price Range by Location
Living in a larger city has a significant impact on insurance rates. Rural areas tend to have more infrequent physical damage claims than densely populated cities.
The graphic below illustrates how where you live affects car insurance rates.
These examples illustrate why all drivers should get quotes based on a specific location and their own driving history, rather than relying on average rates.
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.
Additional Rate Information
The chart below illustrates estimated Nissan Altima insurance rates for different risk profiles and scenarios.
- The best discount rate is $806
- Choosing higher $1,000 deductibles can save around $188 each year
- The average price for a 40-year-old driver with $500 deductibles is $1,410
- Using low deductibles for comp and collision coverage costs an extra $372 a year
- High-risk insureds who are prone to accidents and violations could pay upwards of $3,066 or more
- The cost to insure a teen driver may cost $5,306 each year
Insurance rates for a Nissan Altima can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your Altima.
Using high physical damage deductibles can save as much as $560 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $423 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles could pay as little as $1,300 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay upwards of $5,300 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,700 to $2,300 extra per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 134% more than a normal policy. View High Risk Driver Rates
Where you live plays a big part in determining prices for Nissan Altima insurance rates. A good driver about age 40 could pay as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,910 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,276 | -$134 | -9.5% |
| Alaska | $1,084 | -$326 | -23.1% |
| Arizona | $1,172 | -$238 | -16.9% |
| Arkansas | $1,410 | -$0 | 0.0% |
| California | $1,608 | $198 | 14.0% |
| Colorado | $1,350 | -$60 | -4.3% |
| Connecticut | $1,452 | $42 | 3.0% |
| Delaware | $1,598 | $188 | 13.3% |
| Florida | $1,766 | $356 | 25.2% |
| Georgia | $1,302 | -$108 | -7.7% |
| Hawaii | $1,012 | -$398 | -28.2% |
| Idaho | $954 | -$456 | -32.3% |
| Illinois | $1,052 | -$358 | -25.4% |
| Indiana | $1,062 | -$348 | -24.7% |
| Iowa | $954 | -$456 | -32.3% |
| Kansas | $1,342 | -$68 | -4.8% |
| Kentucky | $1,926 | $516 | 36.6% |
| Louisiana | $2,088 | $678 | 48.1% |
| Maine | $870 | -$540 | -38.3% |
| Maryland | $1,164 | -$246 | -17.4% |
| Massachusetts | $1,130 | -$280 | -19.9% |
| Michigan | $2,452 | $1,042 | 73.9% |
| Minnesota | $1,180 | -$230 | -16.3% |
| Mississippi | $1,690 | $280 | 19.9% |
| Missouri | $1,252 | -$158 | -11.2% |
| Montana | $1,518 | $108 | 7.7% |
| Nebraska | $1,114 | -$296 | -21.0% |
| Nevada | $1,690 | $280 | 19.9% |
| New Hampshire | $1,016 | -$394 | -27.9% |
| New Jersey | $1,578 | $168 | 11.9% |
| New Mexico | $1,250 | -$160 | -11.3% |
| New York | $1,488 | $78 | 5.5% |
| North Carolina | $814 | -$596 | -42.3% |
| North Dakota | $1,154 | -$256 | -18.2% |
| Ohio | $976 | -$434 | -30.8% |
| Oklahoma | $1,448 | $38 | 2.7% |
| Oregon | $1,292 | -$118 | -8.4% |
| Pennsylvania | $1,344 | -$66 | -4.7% |
| Rhode Island | $1,880 | $470 | 33.3% |
| South Carolina | $1,278 | -$132 | -9.4% |
| South Dakota | $1,192 | -$218 | -15.5% |
| Tennessee | $1,236 | -$174 | -12.3% |
| Texas | $1,702 | $292 | 20.7% |
| Utah | $1,044 | -$366 | -26.0% |
| Vermont | $966 | -$444 | -31.5% |
| Virginia | $846 | -$564 | -40.0% |
| Washington | $1,092 | -$318 | -22.6% |
| West Virginia | $1,292 | -$118 | -8.4% |
| Wisconsin | $976 | -$434 | -30.8% |
| Wyoming | $1,258 | -$152 | -10.8% |
With so much variability in rates, the only way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate rates, so the rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Nissan Altima 2.5 4-Dr Sedan | $1,328 | $111 |
| Nissan Altima 2.5 S 4-Dr Sedan | $1,370 | $114 |
| Nissan Altima 2.5 S 2-Dr Coupe | $1,516 | $126 |
| Nissan Altima Hybrid 4-Dr Sedan | $1,382 | $115 |
| Nissan Altima 3.5 SR 4-Dr Sedan | $1,452 | $121 |
| Nissan Altima 3.5 SR 2-Dr Coupe | $1,598 | $133 |
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 | $322 | $594 | $372 | $1,446 |
| 2023 Nissan Altima | $306 | $570 | $390 | $1,424 |
| 2022 Nissan Altima | $294 | $566 | $398 | $1,416 |
| 2021 Nissan Altima | $284 | $552 | $416 | $1,410 |
| 2020 Nissan Altima | $274 | $530 | $430 | $1,392 |
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 Cheap Nissan Altima Insurance
Saving money on Nissan Altima insurance takes being a good driver, having good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Take the time to comparison shop at every other renewal by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following list is a quick review of the concepts that were touched on in the above illustrations.
- High-risk drivers with a DUI or reckless driving violation pay on average $1,660 more each year than a safer driver
- Drivers age 16 to 20 pay the highest rates, costing up to $442 per month if they have full coverage
- It is possible to save as much as $170 per year simply by quoting online in advance
- Increasing deductibles could save as much as $550 each year
- It is possible to save as much as $170 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,306 |
| 20 | $3,278 |
| 30 | $1,470 |
| 40 | $1,410 |
| 50 | $1,290 |
| 60 | $1,266 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,782 |
| $250 | $1,610 |
| $500 | $1,410 |
| $1,000 | $1,222 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,410 |
| 50/100 | $1,692 |
| 100/300 | $1,810 |
| 250/500 | $2,115 |
| 100 CSL | $1,739 |
| 300 CSL | $1,998 |
| 500 CSL | $2,186 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,570 |
| 20 | $5,220 |
| 30 | $3,134 |
| 40 | $3,066 |
| 50 | $2,928 |
| 60 | $2,902 |
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 | $75 |
| Multi-vehicle | $75 |
| Homeowner | $21 |
| 5-yr Accident Free | $105 |
| 5-yr Claim Free | $92 |
| Paid in Full/EFT | $65 |
| Advance Quote | $71 |
| Online Quote | $100 |
| Total Discounts | $604 |
Discounts are estimated and may not be available from every company or in every state.
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