Nissan Altima Insurance Rates

The average insurance rates for a Nissan Altima are $1,372 a year including full coverage. Comprehensive costs around $260 a year, collision costs $512, and liability costs around $442. Liability-only insurance costs as low as $496 a year, with high-risk driver insurance costing around $2,986. Teen drivers cost the most to insure at $5,230 a year or more.

Average premium for full coverage: $1,372

Policy rates for type of insurance:

Prices include $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Altima trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than larger metro areas.

The diagram below illustrates how rural and urban location affects auto insurance rates.

The examples above highlight why it is important to compare prices for a specific zip code, instead of making a decision based on price averages.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below breaks down estimated Nissan Altima insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $787
• Using higher $1,000 deductibles will save about $1,196 every year
• The estimated price for a good driver age 40 using $500 deductibles is $1,372
• Choosing low $100 deductibles for physical damage coverage bumps up the cost to $1,712
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,986 or more
• Policy cost that insures a 16-year-old driver can be $5,230 or more

View Chart as Image

Auto insurance rates for a Nissan Altima also range considerably based on the trim level of your Altima, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,600 to $2,300 in extra premium every year, depending on your age. A high-risk auto insurance policy can be from 44% to 130% more than average. 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 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay as much as $5,200 a year. View Rates by Age

Your home state has a huge impact on Nissan Altima insurance prices. A driver around age 40 might see rates as low as $1,050 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,960 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles could cut rates by as much as $520 annually, while buying higher liability limits will increase rates. 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

Because rates have so much variability, the best way to figure out your exact price is to get quotes from multiple companies. Each insurance company uses a different rate calculation, and quoted 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 Find the Right Nissan Altima Insurance

Finding cheaper rates on insurance for a Nissan Altima requires being safe and accident-free, maintaining a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Shop around at least once a year by requesting rates from direct car insurance companies, and also from local insurance agencies.

Below you'll find a quick rundown 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 quoting early and online
• Drivers considered higher risk with reckless driving or DUI convictions may have to pay on average $1,610 more every year than a low-risk driver
• Increasing comprehensive and collision deductibles can save approximately $525 each year
• Youthful drivers are expensive to insure, with premiums being up to $436 each month if the policy includes full coverage