Nissan Altima Insurance [Comprehensive Guide]

Nissan Altima insurance costs $121 a month on average, but a good driving record can earn you discounts on your Nissan Altima insurance policy with some companies. Our guide also finds that 2015 Nissan Altima insurance rates are cheaper than newer models. Start comparing Nissan Altima insurance quotes now so you can get the best coverage no matter the age of your Altima.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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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 insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 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 about $73 less per year than the average vehicle. Full coverage averages $1,446 a year or $121 a month, though older drivers may decide to get liability-only coverage for around $580 a year or $48 a month.

Good drivers can save up to $596 a year in policy discounts. Let’s take a deeper look at Nissan Altima insurance rates, safety ratings, and more.

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 costs 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 Toyota Camry, Chrysler 300, and Subaru WRX.

Vehicle Comprehensive Collision Liability Total
Nissan Altima $322 $594 $372 $1,446
Toyota Camry $294 $570 $390 $1,412
Chrysler 300 $332 $626 $398 $1,514
Subaru WRX $320 $566 $338 $1,360
Cadillac CTS $320 $626 $398 $1,502
Hyundai Elantra $280 $562 $372 $1,372
Chevrolet Blazer $376 $688 $316 $1,516
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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 can impact the total price you will pay for Nissan Altima car 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 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 the cost of Nissan Altima auto insurance. For example, 20-year-old drivers pay approximately $1,768 each year for their Nissan Altima auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Nissan Altima insurance rates. For example, drivers in Los Angeles may pay $1,244 a year more than drivers in Indianapolis.

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 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 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

Good Nissan Altima crash test ratings mean the VW is safer, which could mean cheaper Nissan Altima car insurance rates.

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

Having a variety of safety features on your Nissan Altima can help lower your insurance costs. According to US News, the 2020 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

The lower percentage means lower Nissan Altima auto insurance rates; higher percentages mean higher Nissan Altima car insurance rates. The Nissan Altima’s insurance loss probability varies for each form 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 car insurance at the dealership, so be sure to shop around and compare Nissan Altima car insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Nissan Altima Insurance

Drivers can end up saving more money on their Nissan Altima car insurance rates by employing any one of the following strategies.

  • Work with a Direct Insurer Instead of an Insurance Broker for Your Nissan Altima
  • Get a Plan with Only Liability Coverage If You’re Driving an Older Nissan Altima
  • Make Sure You Use an Accredited Driver Safety Program
  • Ask About Student Discounts
  • Choose a Nissan Altima with Cheaper Repair Costs

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

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.

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