Nissan Altima Insurance Rates
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UPDATED: Jun 7, 2024
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U.S. average insurance prices for a Nissan Altima are $1,410 every 12 months including full coverage. Comprehensive costs approximately $284 a year, collision insurance costs $552, and liability insurance is estimated at $416. Buying just liability costs approximately $474 a year, and insurance for high-risk drivers costs around $3,066. Teenage drivers pay the highest rates at up to $5,306 a year.
Average premium for full coverage: $1,410
Price estimates by individual coverage:
Prices are based on $500 deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and Altima trim levels.
Price Range from Low to High
For a 40-year-old driver, Nissan Altima insurance prices range from the cheapest price of $474 for minimum levels of liability insurance to a high of $3,066 for a driver who requires high-risk insurance.
Geographic Price Range
Living in a larger city has a significant impact on car insurance prices. Rural locations have more infrequent comprehensive and collision claims than densely populated cities. The diagram below illustrates how your location can change auto insurance prices.
The ranges above highlight why it is important to get quotes using their 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 Details
The chart below breaks down average Nissan Altima insurance rates for additional coverage and risk scenarios.
- The best discount rate is $806
- Choosing higher $1,000 deductibles can save $1,222 every year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,410
- Using low $100 deductibles for comp and collision coverage increases the price to $1,782
- High-risk insureds who are prone to accidents and violations could pay around $3,066
- The price to insure a teen driver can cost $5,306 each year
Insurance prices for a Nissan Altima are also quite variable based on deductibles and policy limits, your driving characteristics, and the model of your Altima.
Using high physical damage deductibles can save as much as $560 each year, while buying higher liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $423 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles could pay as little as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $1,700 to $2,300 additional each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 134% more than a normal policy. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Nissan Altima insurance rates. A good driver about age 40 could pay as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,010 on average in Louisiana, New York, and Michigan.
| 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% |
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 Affordable Nissan Altima Insurance
Getting lower rates on Nissan Altima insurance takes not taking risks behind the wheel, having above-average credit, being claim-free, and consideration of higher deductibles. Invest the time to shop around at every other renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
The following is a brief review of the concepts that were illustrated above.
- High-risk drivers with DUI or reckless driving convictions could be charged and average of $1,660 more per year for Altima insurance
- Teens are the costliest to insure, possibly costing $442 a month if full coverage is included
- You may be able to save around $170 per year just by quoting early and online
- Increasing physical damage deductibles could save as much as $550 each year
- You may be able to save around $170 per year just by quoting early and online
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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