Nissan Altima Auto Insurance (2024)
Nissan Altima insurance rates cost $121 per month ($1,446 per year). Finding Nissan Altima teenager insurance rates can cost on average $5,285 a year, so shop around to find cheap coverage.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jul 24, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page 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: Jul 24, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page 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
Nissan Altima insurance rates are $121 per month for full coverage, $48 per month for liability-only coverage, and $440 per month for high-risk drivers. Continue reading to learn how you can save $596 per year on Nissan Altima insurance rates.
You can start comparing quotes for Nissan Altima insurance rates from some of the best auto insurance companies by using our free online tool now.
Read more: Nissan Auto Insurance
Nissan Altima Insurance Cost
The average Nissan Altima auto insurance rates are $1,446 a year or $121 a month.
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Are Nissan Altimas Expensive to Insure?
The chart below details how Nissan Altima insurance rates compare to other sedans like the MINI Hardtop 4 Door, Chrysler 300, and Lincoln MKZ.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Nissan Altima | $322 | $594 | $372 | $1,446 |
| MINI Hardtop 4 Door | $294 | $566 | $398 | $1,416 |
| Chrysler 300 | $332 | $626 | $398 | $1,514 |
| Lincoln MKZ | $320 | $686 | $450 | $1,636 |
| Ford Focus | $244 | $536 | $398 | $1,336 |
| Subaru Legacy | $370 | $506 | $338 | $1,350 |
| Toyota Corolla | $294 | $542 | $390 | $1,384 |
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?
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
The average Nissan Altima auto insurance rates are higher for newer models. For example, auto insurance for a 2020 Nissan Altima costs $1,446, while 2010 Nissan Altima insurance costs are $1,174, a difference of $272.
| Model Year | Comprehensive | Collision | Liability | Total |
| 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 |
Driver Age
Driver age can have a significant impact on Nissan Altima auto insurance rates. For instance, a 30-year-old driver may pay $64 more each year for Nissan Altima auto insurance than a 40-year-old driver.
Driver Location
Where you live can have a large impact on Nissan Altima insurance rates. For example, drivers in New York may pay $376 a year more than drivers in Chicago.
Your Driving Record
Your driving record can have an impact on the cost of Nissan Altima auto insurance. Teens and drivers in their 20’s see the highest jump in their Nissan Altima auto insurance with violations on their driving record.
Nissan Altima Safety Ratings
Your Nissan Altima insurance rates are influenced by the safety ratings of the Nissan Altima. See the breakdown below:
| Test Type | 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 |
| Source: Insurance Institute for Highway Safety | |
Nissan Altima Crash Test Ratings
Nissan Altima crash test ratings can impact your Nissan Altima insurance rates. See Nissan Altima crash test results below:
| Vehicle Tested | Overall | Frontal | Side | 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 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Nissan Altima Safety Features
The Nissan Altima safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your Nissan Altima auto insurance rates. The Nissan Altima’s safety features include:
- 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
Nissan Altima Insurance Loss Probability
Another contributing factor that affects Nissan Altima insurance rates is the loss probability for each type of coverage.
| Insurance Coverage Category | Loss Rate |
| Collision | 10% |
|---|---|
| Property Damage | -3% |
| Comprehensive | 19% |
| Personal Injury | 44% |
| Medical Payment | 47% |
| Bodily Injury | 14% |
| Source: Insurance Institute for Highway Safety | |
Nissan Altima Finance and Insurance Cost
If you are financing a Nissan Altima, you will pay more if you purchase Nissan Altima auto insurance at the dealership, so be sure to shop around and compare Nissan Altima auto insurance quotes from the best companies using our FREE tool below.
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5 Ways to Save on Nissan Altima Insurance
There are many ways that you can save on Nissan Altima auto insurance to get the best value possible. Below are five scenarios you can explore to help keep your Nissan Altima insurance rates low.
- Understand the Different Types of Auto Insurance for Your Nissan Altima
- Ask About a Student Away from Home Discount
- Use an Accurate Job Title When Requesting Nissan Altima Auto Insurance
- Ask About Retiree Discounts
- Don’t Assume your Nissan Altima is Cheaper to Insure than another vehicle. Compare. Compare. Compare.
Top Nissan Altima Insurance Companies
Who is the top auto 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). Many of these companies offer discounts for security systems and other safety features that the Nissan Altima offers.
| 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% |
| Source: Insurance Information Institute | |||
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Frequently Asked Questions
What is Nissan Altima auto insurance?
Nissan Altima auto insurance refers to the insurance coverage specifically designed for Nissan Altima vehicles. It provides financial protection in the event of accidents, damage to the vehicle, or injuries to individuals involved in a car accident while driving a Nissan Altima.
What factors can affect the cost of Nissan Altima auto insurance?
Several factors can influence the cost of Nissan Altima auto insurance, including the driver’s age, driving record, location, usage of the vehicle, coverage options selected, and the insurance provider’s pricing structure. Additionally, factors such as the vehicle’s value, repair costs, safety features, and theft rates may also impact the insurance premiums.
What types of coverage are available for Nissan Altima auto insurance?
Similar to other vehicles, Nissan Altima auto insurance typically offers a range of coverage options, including liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, personal injury protection (PIP), and additional optional coverages. It’s important to discuss your specific needs with an insurance agent to determine the most appropriate coverage for your Nissan Altima.
Are there any specific insurance considerations for a Nissan Altima?
Insurance considerations for a Nissan Altima may include the vehicle’s age, condition, trim level, safety features, and its value in the market. Additionally, factors such as the frequency of thefts or accidents involving Nissan Altimas may also be taken into account by insurance providers when determining premiums.
How can I find affordable Nissan Altima auto insurance?
To find affordable Nissan Altima auto insurance, it’s recommended to shop around and compare quotes from different insurance providers. Factors such as your driving record, location, age, and coverage options can influence the cost of insurance. Additionally, you can inquire about available discounts, such as safe driver discounts, good student discounts, or multi-policy discounts, to potentially reduce your premiums.
Are there any specialized insurance providers for Nissan Altima owners?
While there may not be specific insurance providers exclusively catering to Nissan Altima owners, it’s advisable to explore different insurance companies and agents who have experience providing coverage for sedans or midsize vehicles. These specialists may have a better understanding of the unique insurance needs of Nissan Altima owners and can offer tailored coverage options.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
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.