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 rates for a Nissan Altima are $1,392 a year including full coverage. Comprehensive costs approximately $274, collision insurance costs $530, and liability is $430. Liability-only insurance costs around $486 a year, and high-risk driver insurance costs around $3,024. Teenage drivers pay the highest rates at up to $5,264 a year.
Average premium for full coverage: $1,392
Price estimates by individual coverage:
Price estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Altima trim levels.
Price Range from Low to High
For a driver in their 40's, Nissan Altima insurance prices range from the low end price of $486 for just liability coverage to a much higher rate of $3,024 for high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than densely populated cities. The price range example below illustrates how location helps determine auto insurance prices.
The ranges above highlight why anyone shopping for car insurance should compare rates quotes using their specific location, instead of making a decision based 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.
Detailed Rate Analysis
The chart below breaks down average Nissan Altima insurance rates for additional coverage and risk scenarios.
- The best discount rate is $797
- Raising to $1,000 deductibles will save $182 every year
- The estimated price for the average middle-age driver who chooses $500 deductibles is $1,392
- Using more expensive low deductibles bumps up the cost to $1,748
- Drivers who are prone to accidents and violations could pay around $3,024
- The price that insures a 16-year-old driver with full coverage can cost $5,264
Car insurance prices for a Nissan Altima are also quite variable based on the model year and trim level, your driving record and age, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,700 to $2,300 extra each year, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 136% more than a normal policy. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $5,200 a year. View Rates by Age
The state you live in also has a big influence on Nissan Altima insurance prices. A middle-age driver might find prices as low as $1,070 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,990 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,258 | -$134 | -9.6% |
| Alaska | $1,068 | -$324 | -23.3% |
| Arizona | $1,156 | -$236 | -17.0% |
| Arkansas | $1,392 | -$0 | 0.0% |
| California | $1,586 | $194 | 13.9% |
| Colorado | $1,330 | -$62 | -4.5% |
| Connecticut | $1,432 | $40 | 2.9% |
| Delaware | $1,576 | $184 | 13.2% |
| Florida | $1,740 | $348 | 25.0% |
| Georgia | $1,286 | -$106 | -7.6% |
| Hawaii | $998 | -$394 | -28.3% |
| Idaho | $940 | -$452 | -32.5% |
| Illinois | $1,036 | -$356 | -25.6% |
| Indiana | $1,048 | -$344 | -24.7% |
| Iowa | $940 | -$452 | -32.5% |
| Kansas | $1,322 | -$70 | -5.0% |
| Kentucky | $1,898 | $506 | 36.4% |
| Louisiana | $2,060 | $668 | 48.0% |
| Maine | $858 | -$534 | -38.4% |
| Maryland | $1,146 | -$246 | -17.7% |
| Massachusetts | $1,116 | -$276 | -19.8% |
| Michigan | $2,418 | $1,026 | 73.7% |
| Minnesota | $1,166 | -$226 | -16.2% |
| Mississippi | $1,666 | $274 | 19.7% |
| Missouri | $1,236 | -$156 | -11.2% |
| Montana | $1,496 | $104 | 7.5% |
| Nebraska | $1,098 | -$294 | -21.1% |
| Nevada | $1,666 | $274 | 19.7% |
| New Hampshire | $1,004 | -$388 | -27.9% |
| New Jersey | $1,556 | $164 | 11.8% |
| New Mexico | $1,232 | -$160 | -11.5% |
| New York | $1,466 | $74 | 5.3% |
| North Carolina | $802 | -$590 | -42.4% |
| North Dakota | $1,140 | -$252 | -18.1% |
| Ohio | $962 | -$430 | -30.9% |
| Oklahoma | $1,430 | $38 | 2.7% |
| Oregon | $1,276 | -$116 | -8.3% |
| Pennsylvania | $1,328 | -$64 | -4.6% |
| Rhode Island | $1,856 | $464 | 33.3% |
| South Carolina | $1,260 | -$132 | -9.5% |
| South Dakota | $1,174 | -$218 | -15.7% |
| Tennessee | $1,220 | -$172 | -12.4% |
| Texas | $1,678 | $286 | 20.5% |
| Utah | $1,030 | -$362 | -26.0% |
| Vermont | $954 | -$438 | -31.5% |
| Virginia | $834 | -$558 | -40.1% |
| Washington | $1,076 | -$316 | -22.7% |
| West Virginia | $1,276 | -$116 | -8.3% |
| Wisconsin | $964 | -$428 | -30.7% |
| Wyoming | $1,240 | -$152 | -10.9% |
Using high physical damage deductibles can reduce prices by up to $540 annually, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $438 extra every 12 months. 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 | $1,312 | $109 |
| Nissan Altima 2.5 S 4-Dr Sedan | $1,352 | $113 |
| Nissan Altima 2.5 S 2-Dr Coupe | $1,498 | $125 |
| Nissan Altima Hybrid 4-Dr Sedan | $1,364 | $114 |
| Nissan Altima 3.5 SR 4-Dr Sedan | $1,432 | $119 |
| Nissan Altima 3.5 SR 2-Dr Coupe | $1,576 | $131 |
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 | $306 | $570 | $390 | $1,424 |
| 2023 Nissan Altima | $294 | $566 | $398 | $1,416 |
| 2022 Nissan Altima | $284 | $552 | $416 | $1,410 |
| 2021 Nissan Altima | $274 | $530 | $430 | $1,392 |
| 2020 Nissan Altima | $260 | $512 | $442 | $1,372 |
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 Cheaper Nissan Altima Insurance
Getting lower rates on insurance for a Nissan Altima consists of being a low-risk driver, having a positive credit history, being claim-free, and attention to physical damage deductibles. Compare prices every couple of years by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.
The items below are a condensed summary of the material that was covered in the charts and tables above.
- Insureds who purchase more liability coverage will pay an extra $470 per year to raise from a low limit to the 250/500 level
- Teen drivers pay the highest auto insurance prices, possibly costing $439 a month if full coverage is purchased
- Drivers considered higher risk with multiple at-fault accidents will likely pay on average $1,630 more per year to insure their Altima
- Increasing physical damage deductibles can save approximately $550 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,264 |
| 20 | $3,232 |
| 30 | $1,448 |
| 40 | $1,392 |
| 50 | $1,274 |
| 60 | $1,250 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,748 |
| $250 | $1,582 |
| $500 | $1,392 |
| $1,000 | $1,210 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,392 |
| 50/100 | $1,673 |
| 100/300 | $1,795 |
| 250/500 | $2,111 |
| 100 CSL | $1,722 |
| 300 CSL | $1,989 |
| 500 CSL | $2,184 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,506 |
| 20 | $5,148 |
| 30 | $3,086 |
| 40 | $3,024 |
| 50 | $2,890 |
| 60 | $2,864 |
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 | $74 |
| Multi-vehicle | $74 |
| Homeowner | $21 |
| 5-yr Accident Free | $103 |
| 5-yr Claim Free | $91 |
| Paid in Full/EFT | $64 |
| Advance Quote | $69 |
| Online Quote | $99 |
| Total Discounts | $595 |
Discounts are estimated and may not be available from every company or in every state.
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