Nissan Altima Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
UPDATED: Jun 7, 2024
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Estimated insurance rates for a Nissan Altima are $1,392 a year for full coverage. Comprehensive insurance costs on average $274, collision costs $530, and liability coverage is $430. A policy with only liability insurance costs around $486 a year, with a high-risk policy costing $3,024 or more. Teen drivers pay the most at $5,264 a year or more.
Average premium for full coverage: $1,392
Premium estimates by type of coverage:
Full coverage includes $500 deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and for different Altima trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Nissan Altima go from as low as $486 for minimum levels of liability insurance to a much higher rate of $3,024 for high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than larger metro areas.
The price range example below illustrates how your location can change car insurance rates.
These rate differences show why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, rather than using price 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 Details
The chart below shows estimated Nissan Altima insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $797
- Raising to $1,000 deductibles will save around $182 a year
- The average rate for a 40-year-old good driver with $500 deductibles is $1,392
- Choosing more expensive low deductibles will cost an extra $356 each year
- Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $3,024 or more
- An auto insurance policy for full coverage for a teenage driver with full coverage may cost $5,264
Car insurance prices for a Nissan Altima also have a wide range based on your driving characteristics, the trim level of your Altima, and policy deductibles and limits.
An older driver with no driving violations and high deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged upwards of $5,200 a year. View Rates by Age
Where you choose to live also has a big influence on Nissan Altima insurance rates. A middle-age driver might find prices as low as $920 a year in states like Idaho, Maine, and Iowa, or as much as $1,990 on average in Michigan, Louisiana, and New York.
| 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% |
Choosing high deductibles can reduce prices by up to $540 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $438 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,700 to $2,300 extra annually, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 136% more than average. View High Risk Driver Rates
With such a large range in prices, the only way to know exactly what you will pay is to compare prices and see how they stack up. Every auto insurance company uses a different rate calculation, so rate quotes will be substantially different from one company to the next.
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 More Affordable Nissan Altima Insurance
Finding better rates on auto insurance consists of not taking risks behind the wheel, having above-average credit, not filing small claims, and maximizing policy discounts. Invest the time to shop around every couple of years by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.
The following is a summary of the material that was illustrated above.
- Consumers who require higher liability limits will pay about $470 each year to raise from 30/60 bodily injury limits to 250/500 limits
- Teens are expensive to insure, as much as $439 per month if full coverage is included
- Drivers who have multiple accidents or major violations will pay on average $1,630 more each year for Altima insurance
- Increasing policy deductibles can save around $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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