Nissan Altima Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 7, 2024

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The average insurance rates for a Nissan Altima are $1,410 a year for full coverage. Comprehensive insurance costs around $284 each year, collision costs $552, and liability coverage is estimated at $416. Liability-only insurance costs approximately $474 a year, with high-risk driver insurance costing $3,066 or more. Teenage drivers cost the most to insure at $5,306 a year or more.

Average premium for full coverage: $1,410

Policy rates for type of insurance:

Comprehensive $284
Collision $552
Liability $416

These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all states and Altima models.

Price Range Variability

For an average driver, Nissan Altima insurance rates go from the low end price of $474 for just liability insurance to a high rate of $3,066 for a high-risk driver policy.

Liability Only $474
Full Coverage $1,410
High Risk $3,066

Urban vs. Rural Price Range

Living in a larger city has a large influence on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than densely populated cities.

The graphic below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $1,058
Small Cities $1,481
Large Cities $1,904

The examples above show why all drivers should get quotes for a specific zip code, rather than using 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.

More Rate Details

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

  • The best discount rate is $806
  • Choosing higher $1,000 deductibles can save about $188 a year
  • The estimated price for a good driver age 40 using $500 deductibles is $1,410
  • Using low deductibles for comp and collision coverage will cost an additional $372 each year
  • Drivers who are prone to accidents and violations could pay at least $3,066 or more
  • Policy cost that insures a teenage driver can be $5,306 each year

View Chart as Image

Nissan Altima insurance cost comparison chart
Column chart showing full coverage Nissan Altima insurance prices range from $806 to $5,306

Auto insurance rates for a Nissan Altima also range considerably based on the trim level and model year, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,700 to $2,300 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges around 43% to 134% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay as much as $5,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Nissan Altima insurance rates. A good driver about age 40 could pay as low as $930 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,010 on average in Michigan, Louisiana, and New York.

Nissan Altima Insurance Rates by State
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%

View Chart as Image

Nissan Altima insurance rates by U.S. city

Using high physical damage deductibles can save as much as $560 a year, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $423 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know your exact price is to do a rate comparison and see how they stack up. Each auto insurer uses a different method to calculate rates, and quoted rates will be varied.

Insurance Rates by Trim Level and Model Year

Nissan Altima Insurance Rates by Model and Trim Level
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.

Nissan Altima Insurance Rates by Model Year
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 Find Cheap Nissan Altima Insurance

Finding cheaper rates on auto insurance takes avoiding accidents and claims, maintaining a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Compare prices every time your policy renews by getting quotes from direct carriers, and also from several local insurance agents.

The points below are a brief summary of the information covered in the above illustrations.

  • Drivers can save up to $170 per year simply by quoting online in advance
  • Drivers under the age of 20 are expensive to insure, costing up to $442 each month if the policy includes full coverage
  • Increasing comprehensive and collision deductibles can save approximately $550 each year
  • Drivers that tend to have accidents or serious violations pay on average $1,660 more every year to insure a Nissan Altima
  • Consumers who may need increased liability limits will pay an extra $460 each year to raise limits from a 30/60 limit to the 250/500 level

Rates by Driver Age

Nissan Altima Insurance 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

Nissan Altima Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,782
$250 $1,610
$500 $1,410
$1,000 $1,222

Full coverage, driver age 40

Rates by Liability Limit

Nissan Altima Insurance Rates with Different Liability Limits
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

Nissan Altima Insurance 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.

SR-22 Surcharge $199

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
Rate after discounts $806

Discounts are estimated and may not be available from every company or in every state.

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