Compare Nissan Altima Car Insurance Rates [2025]
Are Nissan Altimas expensive to insure? Average Nissan Altima auto insurance rates are $121/mo ($1,446/yr). On average, comprehensive coverage costs $352, collision coverage costs $514, and liability coverage costs $408 for annual Nissan Altima insurance. Factors like your driving record and vehicle safety ratings will affect your insurance rates. Learn more about how to find affordable Nissan Altima car insurance now.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
UPDATED: Dec 28, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 28, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Key Takeaways:
- Full coverage costs around $1,446 a year or $121 each month
- A liability-only policy costs around $580 a year or $48 each month
- Highest rates are for teenage drivers at around $5,285 a year or $440 each month
- Good drivers can save as much as $596 a year by earning policy discounts
- Nissan Altima insurance costs around $73 less per year than the average vehicle
Are Nissan Altimas expensive to insure? Before you begin shopping around for a policy, you should know that Nissan Altima insurance rates cost an average of $1,446 a year for full coverage or $580 a year for minimum liablity auto insurance coverage.
It’s also important to note that your individual Nissan Altima car insurance rates are influenced by things like your age, location, and driving record.
Be sure to read through this handy guide that details exactly how Nissan Altima car insurance rates are determined and answers questions like are Nissan expensive to insure and what the 2020 Nissan Altima insurance costs. This information is crucial in guiding you toward obtaining the appropriate policy, including affordable Nissan car insurance rates.
If you want affordable Nissan Altima car insurance, you can start comparing quotes for Nissan Altima car insurance rates from some of the best car insurance companies by using our free online tool now.
Nissan Altima Insurance Cost
The average Nissan Altima auto insurance rates are $1,446 a year or $121 a month.
As you can see, teens pay the highest insurance rates for a Nissan Altima by a significant margin.
Are Nissan Altimas expensive to insure?
The chart below details how Nissan Altima insurance rates compared to other sedans like the Nissan Sentra, Audi A3, and Lincoln MKZ.
| Vehicle | Average Annual Comprehensive Insurance Rate | Average Annual Collision Insurance Rate | Average Annual Liability Insurance Rate | Average Annual Total Insurance Rate |
|---|---|---|---|---|
| Nissan Altima | $322 | $594 | $372 | $1,446 |
| Nissan Sentra | $254 | $570 | $390 | $1,372 |
| Audi A3 | $282 | $566 | $398 | $1,404 |
| Lincoln MKZ | $320 | $686 | $450 | $1,636 |
| Subaru Legacy | $370 | $506 | $338 | $1,350 |
| Hyundai Elantra | $280 | $562 | $372 | $1,372 |
| Ford Taurus | $344 | $596 | $398 | $1,496 |
However, there are a few things you can do to find the cheapest Nissan insurance rates online.
What impacts the cost of Nissan Altima insurance?
Why are Nissan Altimas so expensive to insure? They aren’t; recall that we noted earlier that Nissan Altima insurance costs around $73 less per year than the average vehicle.
However, the Nissan Altima trim and model you choose will affect the total price you will pay for Nissan Altima insurance coverage.
Age of the Vehicle
Older Nissan Altima models generally cost less to insure. For example, car insurance for a 2020 Nissan Altima costs $1,446, while 2010 Nissan Altima insurance costs $1,174, a difference of $272.
| Model Year | Average Annual Comprehensive Rates | Average Annual Collision Rates | Average Annual Liability Rates | Average Annual Total Rates |
|---|---|---|---|---|
| 2020 Nissan Altima | $322 | $594 | $372 | $1,446 |
| 2019 Nissan Altima | $306 | $570 | $390 | $1,424 |
| 2018 Nissan Altima | $294 | $566 | $398 | $1,416 |
| 2017 Nissan Altima | $284 | $552 | $416 | $1,410 |
| 2016 Nissan Altima | $274 | $530 | $430 | $1,392 |
| 2015 Nissan Altima | $260 | $512 | $442 | $1,372 |
| 2014 Nissan Altima | $250 | $474 | $452 | $1,334 |
| 2013 Nissan Altima | $240 | $446 | $456 | $1,300 |
| 2012 Nissan Altima | $230 | $400 | $460 | $1,248 |
| 2011 Nissan Altima | $214 | $368 | $460 | $1,200 |
| 2010 Nissan Altima | $206 | $346 | $464 | $1,174 |
We don’t have 2008 or 2009 Nissan Altima insurance costs, but based on the data in this table, it is reasonable to believe those rates would be lower than 2016 Nissan Altima insurance costs.
It’s also worth noting that the exact model type can affect your Nissan Altima rates as well. For example, Nissan Altima coupe insurance costs are about $1,548 per year, or $129 per month, which is higher than average costs across all Nissan Altima types.
Driver Age
Driver age can have a significant effect on Nissan Altima car insurance rates.
For example, 20-year-old drivers pay $1,768 more for their Nissan Altima car insurance each year than 30-year-old drivers.
Driver Location
Where you live can have a large impact on Nissan Altima insurance rates.
For example, drivers in Houston may pay $1,066 a year more than drivers in Columbus.
Your Driving Record
Your driving record can have an impact on the cost of Nissan Altima auto insurance. Take a minute to watch this video for more on driving records and insurance rates.
To see how your driving record might affect your Nissan Altima rates, take a look at this chart, which compares rates by both driving record and age.
Teens and drivers in their 20s see the highest jump in their Nissan Altima auto insurance rates with violations on their driving record.
Nissan Altima Safety Ratings
Your Nissan Altima car insurance rates are tied to the safety ratings of the Nissan Altima. See the breakdown, from the Insurance Institute for Highway Safety (IIHS) below:
Nissan Altima Safety Ratings
| IIHS Safety Test Type | Safety Rating |
|---|---|
| Small overlap front: driver-side | Good |
| Small overlap front: passenger-side | Good |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
This data looks specifically at recent model years.
Nissan Altima Crash Test Ratings
Nissan Altima crash test ratings can impact your Nissan Altima car insurance rates. See the Nissan Altima crash test results from the National Highway Traffic Safety Administration (NHTSA) below:
| Vehicle Tested | Overall | Front Driver and Passenger | Side Driver and Passenger | Rollover |
|---|---|---|---|---|
| 2020 Nissan Altima 4 DR FWD | 5 stars | 4 stars | 5 stars | 5 stars |
| 2020 Nissan Altima 4 DR AWD | 5 stars | 4 stars | 5 stars | 5 stars |
| 2019 Nissan Altima 4 DR FWD | 5 stars | 4 stars | 5 stars | 5 stars |
| 2019 Nissan Altima 4 DR AWD | 5 stars | 4 stars | 5 stars | 5 stars |
| 2018 Nissan Altima 4 DR FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2017 Nissan Altima 4 DR FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2016 Nissan Altima 4 DR FWD | 5 stars | 5 stars | 5 stars | 4 star |
As you can see, the data we have focuses on the most recent four model years for the Nissan Altima.
Nissan Altima Safety Features
The Nissan Altima safety features can help lower insurance costs. According to Autoblog, the 2020 Nissan Altima has the following safety features:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- Rear Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Child Safety Locks
- Traction Control
- Blind Spot Monitor
- Lane Departure Warning
You can speak with a licensed insurance agent to find out if you qualify for any safety-based car insurance discounts.
Nissan Altima Insurance Loss Probability
The lower percentage means lower Nissan Altima car insurance rates; higher percentages mean higher Nissan Altima auto insurance rates. Using IIHS data, we put together a summary of the Nissan Altima insurance loss probability by coverage type. Take a look.
Nissan Altima Insurance Loss Probability by Coverage Type
| Insurance Coverage Type | Loss Rate |
|---|---|
| Collision | 10% |
| Property Damage | -3% |
| Comprehensive | 19% |
| Personal Injury | 44% |
| Medical Payment | 47% |
| Bodily Injury | 14% |
Insurance loss probability on the Nissan Altima fluctuates between each type of coverage.
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Nissan Altima Finance and Insurance Cost
If you are financing a Nissan Altima, most lenders will require you to carry higher Nissan Altima coverage options including comprehensive coverage, so be sure to shop around and compare Nissan Altima auto insurance rates from the best companies using our free tool below.
Ways to Save on Nissan Altima Insurance
If you want to reduce the cost of your Nissan Altima insurance rates, follow these tips below:
- Remove unnecessary insurance once your Nissan Altima is paid off
- Don’t assume your Nissan Altima is cheaper to insure than another vehicle; Compare; Compare; Compare
- Tell your insurer about different drivers or uses for your Nissan Altima
- Check the odometer on your Nissan Altima
- Take a refresher course as an older driver
As we’ve already mentioned, you can also speak with your insurance agent about discounts you may qualify for.
Top Nissan Altima Insurance Companies
Who is the top car insurance company for Nissan Altima insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Nissan Altima auto insurance coverage, ordered by market share, according to the Insurance Information Institute.
| Rank | Company | Volume | Market Share |
|---|---|---|---|
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
Looked at graphically,
Many of these companies offer discounts for security systems and other safety features that the Nissan Altima offers.
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Compare Free Nissan Altima Insurance Quotes Online
You can start comparing quotes for Nissan Altima car insurance rates from some of the best car insurance companies by using our free online tool now.
If you’re looking to buy a Nissan Altima, you’ll need to consider the cost of car insurance rates. There are many factors affecting car insurance rates that will determine the auto insurance cost for your Altima.
As we’ve described already, and will continue to do, this article reviews the questions you should ask and the information you need to determine the cost. Be sure to enter your ZIP code for a free car insurance comparison.
The Different Nissan Altima Models
There are many different models when it comes to an Altima. There is the 2.5, 2.5S, 2.5S with SL Package, 3.5SR, and the hybrid. The model you choose to buy will help determine how much your insurance costs.
For example, if you choose to get the standard Nissan Altima, your insurance will most likely be cheaper than if you purchased 3.5SR version.
The reason for this is that the 3.5SR version will most likely be considered a sports car due to its powerful V6 engine and sports-tuned suspension.
The Year of the Nissan Altima
If you are buying a brand-new Altima, your insurance costs will be much higher than if you are buying an older version (as we discussed earlier). The less the car is worth, the less the insurance cost.
The auto insurance companies will not look at how much you paid for the car but will determine how much the car is valued at by using their own sources.
You may get a great deal on a newer Altima but the car insurance company will still charge you the insurance based on the value of the car.
Are you ready to buy Nissan Altima car insurance? Enter your ZIP code to start comparing Nissan Altima car insurance quotes online now.
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Frequently Asked Questions
Are Nissan Altimas expensive to insure?
No, Nissan Altimas are not considered expensive to insure. On average, the annual insurance cost for a Nissan Altima is $1,446 for full coverage or $580 for minimum liability coverage.
How do I get quotes for a Nissan Altima?
You can easily get quotes for Nissan Altima car insurance rates by using our free online tool. Simply enter your ZIP code, and you’ll receive quotes from top car insurance companies.
What is the cost to insure a Nissan Sentra?
The average annual insurance cost for a Nissan Sentra is $1,372. However, the cost may vary depending on factors such as your location, driving record, and coverage preferences.
What factors impact the cost of Nissan Altima insurance?
Several factors can influence the cost of Nissan Altima insurance, including the age of the vehicle, driver age, driver location, driving record, safety ratings, and specific model year.
Does the age of the Nissan Altima affect insurance rates?
Yes, the age of the Nissan Altima can affect insurance rates. Generally, older models of the Altima tend to have lower insurance costs compared to newer models.
Is the driver’s location a factor in Nissan Altima insurance rates?
Yes, the driver’s location can impact Nissan Altima insurance rates. Factors such as the area’s population density, crime rates, and accident frequency can influence the insurance premiums.
Is a Nissan Altima expensive to insure?
Another thing that plays an important role when it comes to determining the cost of your insurance for a Nissan Altima is the company you choose to go with.
Auto insurance companies’ rates may vary depending on your circumstances. One company may give you a lower rate because you are a student, while the other company favors senior citizens.
Make sure you find a company that best fits your circumstances, no matter what type of car you are trying to insure.
How do I get quotes for a Nissan Altima?
These are just some things you need to consider when buying an Altima. Generally speaking, insurance rates will range around $1,400 dollars per year, but rates differ depending on the factors above.
What is the cost to insure a Nissan Sentra?
The average cost to insure a Nissa Sentra is $1,390 per year or $116 per month.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.