Nissan Altima Car Insurance [How to Find Cheap Rates]

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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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 25, 2020

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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.

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
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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
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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
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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
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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
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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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Compare Free Nissan Altima Insurance Quotes Online

Start comparing Nissan Altima insurance rates for free by using our convenient online comparison tool.

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