Nissan Altima Insurance Rates
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Michelle Robbins
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UPDATED: Jun 7, 2024
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U.S. average insurance prices for a Nissan Altima are $1,372 every 12 months with full coverage. Comprehensive insurance costs around $260, collision costs $512, and liability coverage is $442. Liability-only insurance costs around $496 a year, with high-risk driver insurance costing $2,986 or more. 16-year-old drivers pay the highest rates at $5,230 a year or more.
Average premium for full coverage: $1,372
Price estimates for individual coverage:
Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for different Altima trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Nissan Altima insurance prices go from the cheapest price of $496 for just liability insurance to a much higher rate of $2,986 for coverage for higher-risk drivers.
Geographic Price Range
Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population have more infrequent collision claims than congested cities.
The price range example below illustrates how rural and urban location affects auto insurance rates.
The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, rather than using rate averages.
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.
More Rate Details
The chart below details estimated Nissan Altima insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $787
- Raising to $1,000 deductibles will save about $176 annually
- The average price for the average middle-age driver using $500 deductibles is $1,372
- Buying more expensive low deductibles costs an extra $340 each year
- Unlucky drivers with multiple tickets or accidents could pay at least $2,986 or more
- The price to insure a teenage driver with full coverage can be $5,230
Car insurance prices for a Nissan Altima are also quite variable based on deductibles and policy limits, your driving record, and the trim level and model year.
Opting for high physical damage deductibles can reduce prices by up to $520 a year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $450 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may only pay around $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged as much as $5,200 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out at least $1,600 to $2,300 extra each year, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 130% more than the average rate. View High Risk Driver Rates
The state you live in also has a big influence on Nissan Altima insurance rates. A middle-age driver might find prices as low as $990 a year in states like New Hampshire, Ohio, and Utah, or at least $1,850 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,240 | -$132 | -9.6% |
| Alaska | $1,052 | -$320 | -23.3% |
| Arizona | $1,140 | -$232 | -16.9% |
| Arkansas | $1,372 | -$0 | 0.0% |
| California | $1,562 | $190 | 13.8% |
| Colorado | $1,310 | -$62 | -4.5% |
| Connecticut | $1,410 | $38 | 2.8% |
| Delaware | $1,552 | $180 | 13.1% |
| Florida | $1,714 | $342 | 24.9% |
| Georgia | $1,266 | -$106 | -7.7% |
| Hawaii | $984 | -$388 | -28.3% |
| Idaho | $928 | -$444 | -32.4% |
| Illinois | $1,022 | -$350 | -25.5% |
| Indiana | $1,034 | -$338 | -24.6% |
| Iowa | $926 | -$446 | -32.5% |
| Kansas | $1,304 | -$68 | -5.0% |
| Kentucky | $1,872 | $500 | 36.4% |
| Louisiana | $2,030 | $658 | 48.0% |
| Maine | $846 | -$526 | -38.3% |
| Maryland | $1,132 | -$240 | -17.5% |
| Massachusetts | $1,098 | -$274 | -20.0% |
| Michigan | $2,382 | $1,010 | 73.6% |
| Minnesota | $1,148 | -$224 | -16.3% |
| Mississippi | $1,642 | $270 | 19.7% |
| Missouri | $1,216 | -$156 | -11.4% |
| Montana | $1,474 | $102 | 7.4% |
| Nebraska | $1,080 | -$292 | -21.3% |
| Nevada | $1,642 | $270 | 19.7% |
| New Hampshire | $986 | -$386 | -28.1% |
| New Jersey | $1,534 | $162 | 11.8% |
| New Mexico | $1,214 | -$158 | -11.5% |
| New York | $1,444 | $72 | 5.2% |
| North Carolina | $790 | -$582 | -42.4% |
| North Dakota | $1,122 | -$250 | -18.2% |
| Ohio | $946 | -$426 | -31.0% |
| Oklahoma | $1,408 | $36 | 2.6% |
| Oregon | $1,256 | -$116 | -8.5% |
| Pennsylvania | $1,310 | -$62 | -4.5% |
| Rhode Island | $1,830 | $458 | 33.4% |
| South Carolina | $1,240 | -$132 | -9.6% |
| South Dakota | $1,158 | -$214 | -15.6% |
| Tennessee | $1,202 | -$170 | -12.4% |
| Texas | $1,652 | $280 | 20.4% |
| Utah | $1,016 | -$356 | -25.9% |
| Vermont | $940 | -$432 | -31.5% |
| Virginia | $822 | -$550 | -40.1% |
| Washington | $1,060 | -$312 | -22.7% |
| West Virginia | $1,256 | -$116 | -8.5% |
| Wisconsin | $950 | -$422 | -30.8% |
| Wyoming | $1,222 | -$150 | -10.9% |
Since prices can be so different, the best way to find out your exact price is to compare prices and see how they stack up. Every auto insurance company utilizes a different rate formula, so rate quotes may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Nissan Altima 2.5 4-Dr Sedan | $1,296 | $108 |
| Nissan Altima 2.5 S 4-Dr Sedan | $1,332 | $111 |
| Nissan Altima 2.5 S 2-Dr Coupe | $1,478 | $123 |
| Nissan Altima Hybrid 4-Dr Sedan | $1,344 | $112 |
| Nissan Altima 3.5 SR 4-Dr Sedan | $1,408 | $117 |
| Nissan Altima 3.5 SR 2-Dr Coupe | $1,554 | $130 |
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 | $294 | $566 | $398 | $1,416 |
| 2023 Nissan Altima | $284 | $552 | $416 | $1,410 |
| 2022 Nissan Altima | $274 | $530 | $430 | $1,392 |
| 2021 Nissan Altima | $260 | $512 | $442 | $1,372 |
| 2020 Nissan Altima | $250 | $474 | $452 | $1,334 |
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
Getting lower rates on auto insurance consists of being a good driver, maintaining a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around at least once a year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following list is a quick review of the primary concepts that were raised in the charts and tables above.
- You may be able to save up to $170 per year simply by shopping early and online
- Drivers with a DUI or reckless driving violation pay on average $1,610 more every year than a safer driver
- Increasing physical damage deductibles could save as much as $525 each year
- Drivers age 16 to 20 are the costliest to insure, costing up to $436 a month if the policy includes full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,230 |
| 20 | $3,188 |
| 30 | $1,424 |
| 40 | $1,372 |
| 50 | $1,254 |
| 60 | $1,230 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,712 |
| $250 | $1,552 |
| $500 | $1,372 |
| $1,000 | $1,196 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,372 |
| 50/100 | $1,654 |
| 100/300 | $1,779 |
| 250/500 | $2,104 |
| 100 CSL | $1,704 |
| 300 CSL | $1,979 |
| 500 CSL | $2,179 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,454 |
| 20 | $5,086 |
| 30 | $3,044 |
| 40 | $2,986 |
| 50 | $2,854 |
| 60 | $2,828 |
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 | $73 |
| Multi-vehicle | $74 |
| Homeowner | $21 |
| 5-yr Accident Free | $101 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $62 |
| Advance Quote | $68 |
| Online Quote | $97 |
| Total Discounts | $585 |
Discounts are estimated and may not be available from every company or in every state.
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