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Nissan Altima Insurance [Comprehensive Guide]

Average auto insurance rates for a Nissan Altima cost $1,446 a year, or around $121 a month. Mature drivers with good driving records may find rates as low as $850 a year.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jun 18, 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 generally about $73 less per year than the average vehicle, with full coverage costing about $1,446 a year or $121 a month. Older Nissan Altimas may just need liability coverage, which averages $580 a year or $48 a month. Good drivers are also eligible for up to $596 a year for staying safe and courteous on the road. Let’s look at Nissan Altima insurance rates, crash test 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 car 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 Hyundai Elantra, Nissan Maxima, and Nissan Sentra.

Vehicle Comprehensive Collision Liability Total
Nissan Altima $322 $594 $372 $1,446
Hyundai Elantra $280 $562 $372 $1,372
Nissan Maxima $372 $630 $390 $1,550
Nissan Sentra $254 $570 $390 $1,372
Chrysler 300 $332 $626 $398 $1,514
Honda Civic $280 $656 $420 $1,536
Dodge Charger $376 $626 $466 $1,668

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 auto insurance coverage.

Age of the Vehicle

Older Nissan Altima models generally cost less to insure. 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 the cost of Nissan Altima auto insurance. For example, 20-year-old drivers pay as much as $1,832 more each year for their Nissan Altima auto insurance than 40-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 $796 a year more than drivers in Phoenix.

Your Driving Record

Your driving record can have an impact on your Nissan Altima car insurance rates. Teens and drivers in their 20’s see the highest jump in their Nissan Altima car insurance with violations on their driving record.

Nissan Altima Safety Ratings

Your Nissan Altima auto insurance rates are influenced by the Nissan Altima’s safety ratings. 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

If the Nissan Altima crash test ratings are good, you could have lower Nissan Altima car 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 can help lower insurance costs. According to US News, 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

Nissan Altima Insurance Loss Probability

The lower percentage means lower Nissan Altima car insurance costs; higher percentages mean higher Nissan Altima car insurance costs. Compare the following Nissan Altima auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.

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, most lenders will require your carry higher Nissan Altima coverage options including comprehensive coverage, 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

You have more options at your disposal to save money on your Nissan Altima auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Nissan Altima car insurance rates

  • Check for Organization-Based Discounts, like Alumni or Employer Discounts
  • Buy Your Nissan Altima with Cash, or Get a Shorter-Term Loan
  • Don’t Assume your Nissan Altima is Cheaper to Insure than another vehicle. Compare. Compare. Compare.
  • Save Money on Young Driver Nissan Altima Insurance By Mentioning Grades or GPA
  • Avoid the Temptation to File a Claim for Minor Incidents

Top Nissan Altima Insurance Companies

Who is the best 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

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.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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