Nissan Altima Insurance Rates
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Michelle Robbins
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UPDATED: Jun 7, 2024
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The average insurance rates for a Nissan Altima are $1,372 a year including full coverage. Comprehensive costs an estimated $260 a year, collision insurance costs $512, and liability costs $442. Liability-only insurance costs as little as $496 a year, and high-risk driver insurance costs around $2,986. 16-year-old drivers cost the most to insure at up to $5,230 a year.
Average premium for full coverage: $1,372
Policy rates broken down by type of insurance:
Rates are based on $500 deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Altima trim levels.
Price Range Variability
For a 40-year-old driver, Nissan Altima insurance rates range from the low end price of $496 for the bare minimum liability coverage to a high of $2,986 for a high-risk insurance policy.
Urban vs. Rural Price Range
Your location can make a big difference on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than congested cities. The diagram below illustrates how your location can change insurance prices.
The examples above highlight why it is important to compare rates for a targeted area, instead of making a decision based on 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.
Additional Rate Information
The chart below breaks down average Nissan Altima insurance rates for other coverage scenarios.
- The best full coverage rate is $787
- Drivers who choose higher $1,000 deductibles will pay approximately $1,196 every year
- The estimated price for a good driver age 40 who has $500 deductibles is $1,372
- Buying low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,712
- Drivers with multiple tickets or accidents could pay up to $2,986
- Policy cost that insures a 16-year-old driver can cost as much as $5,230 a year
Auto insurance rates for a Nissan Altima also range considerably based on the trim level of your Altima, your driving record and age, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you are likely paying $1,600 to $2,300 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost from 44% to 130% more than the average rate. 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 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay at least $5,200 a year. View Rates by Age
Your home state makes a big difference in Nissan Altima insurance prices. A 40-year-old driver could pay as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,960 on average in Louisiana, New York, and Michigan.
| 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% |
Opting for high physical damage deductibles could save up to $520 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $450 extra every year. View Rates by Deductible or Liability Limit
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 Find the Best Cheap Nissan Altima Insurance
Finding cheaper rates on insurance for a Nissan Altima not only requires not taking risks behind the wheel, but also maintaining a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Comparison shop at least every other year by getting quotes from direct car insurance companies, and also from your local car insurance providers.
The following is a quick review of the car insurance concepts illustrated above.
- Drivers considered higher risk with a DUI or reckless driving violation could be charged and average of $1,610 more annually for Altima insurance
- You may be able to save approximately $170 per year just by quoting early and online
- Increasing comprehensive and collision deductibles can save approximately $525 each year
- Insureds who want higher liability limits will pay around $490 per year to go from a 30/60 limit to the 250/500 level
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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