Compare Nissan Altima Insurance Quotes [How to Find Low Rates Online]

Average Nissan Altima car insurance rates cost $1,446 a year, or around $121 a month. Shop around to find cheap Nissan Altima insurance rates. On average, Nissan Altima comprehensive insurance coverage costs $352, collision coverage costs $514, and liability coverage costs $408.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Oct 27, 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 don’t need to be a complicated mess. Full coverage for a Nissan Altima costs around $1,446 a year or $121 each month. Read on to learn more about insurance rates for a Nissan Altima and how to save.

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 Ford Taurus, Lincoln MKZ, and Buick Regal.

Vehicle Comprehensive Collision Liability Total
Nissan Altima $322 $594 $372 $1,446
Ford Taurus $344 $596 $398 $1,496
Lincoln MKZ $320 $686 $450 $1,636
Buick Regal $306 $536 $398 $1,398
Toyota Avalon $320 $536 $338 $1,330
Ford Fusion $336 $626 $372 $1,492
Cadillac ATS $294 $566 $398 $1,416
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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 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
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Driver Age

Driver age can have a significant impact on Nissan Altima auto insurance rates. As an example, a 40-year-old driver could pay $153 less each month for their Nissan Altima auto insurance compared to a 20-year-old driver.

Driver Location

Where you live can have a large impact on Nissan Altima insurance rates. For example, drivers in Jacksonville may pay $868 a year more than drivers in Indianapolis.

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 car 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 will affect your 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

Good Nissan Altima safety features can result in insurers giving you car insurance discounts. The safety features for the 2020 Nissan Altima are:

  • 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 Nissan Altima’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Nissan Altima, others are more favorable and lead to lower insurance rates.

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, 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

Although it may seem like your Nissan Altima car insurance rates are set, there are a few measures that you can take to secure the best Nissan Altima car insurance rates possible. Take a look at the following five ways to save on Nissan Altima auto insurance.

  • Ask Your Insurance Company About Nissan Altima Discounts
  • Audit Your Nissan Altima Driving When You Move to a New Location or Start a New Job
  • Bundle Your Nissan Altima Auto Insurance with Home Insurance
  • Ask About a Student Away from Home Discount
  • Pay Your Nissan Altima Insurance Upfront

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). 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 insurance from some of the top car insurance companies by using our free online tool today.

Crash Test Safety Ratings

Year Overall Frontal Crash Side Crash Rollover
2015
0
5
0
0
2014
5
5
5
5
2013
3
3
3
3
2012
2
2
3
3
2011
3
3
3
3

Crash Avoidence Features

Forward Collision Auto Brake

Not Available

Lane Departure Warning

Optional

Land Departure Prevention

Not Available

Blind Spot Detection

Optional

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