Are Nissan Altimas Expensive to Insure? [Rates + Comparison Guide]

Are Nissan Altimas expensive to insure? Average Nissan Altima auto insurance rates are $121/mo ($1,446/yr). On average, comprehensive coverage costs $352, collision coverage costs $514, and liability coverage costs $408 for annual Nissan Altima insurance. Factors like your driving record and vehicle safety ratings will affect your insurance rates. Learn more about how to find affordable Nissan Altima car insurance now.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 22, 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

Are Nissan Altimas expensive to insure? Before you begin shopping around for a policy, you should know that Nissan Altima insurance rates cost an average of $1,446 a year for full coverage or $580 a year for minimum liablity auto insurance coverage.

It’s also important to note that your individual Nissan Altima car insurance rates are influenced by things like your age, location, and driving record.

Be sure to read through this highly useful guide that details exactly how Nissan Altima car insurance rates are determined and answer questions like are Nissans expensive to insure and what are 2020 Nissan Altima insurance costs. It will help you on your way to securing the right policy.

If you want affordable Nissan Altima car insurance, 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 rates are $1,446 a year or $121 a month.

As you can see, teens pay the highest insurance rates for a Nissan Altima by a significant margin.

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Are Nissan Altimas expensive to insure?

The chart below details how Nissan Altima insurance rates compared to other sedans like the Nissan Sentra, Audi A3, and Lincoln MKZ.

Average Insurance Rates for a Nissan Altima Compared to Similar Vehicles
VehicleAverage Annual Comprehensive Insurance RateAverage Annual Collision Insurance RateAverage Annual Liability Insurance RateAverage Annual Total Insurance Rate
Nissan Altima$322$594$372$1,446
Nissan Sentra$254$570$390$1,372
Audi A3$282$566$398$1,404
Lincoln MKZ$320$686$450$1,636
Subaru Legacy$370$506$338$1,350
Hyundai Elantra$280$562$372$1,372
Ford Taurus$344$596$398$1,496
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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?

Why are Nissan Altimas so expensive to insure? They actually aren’t; recall that we noted earlier that Nissan Altima insurance costs around $73 less per year than the average vehicle.

However, 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

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.

Average Annual Rates for a Nissan Altima by Model Year
Model YearAverage Annual Comprehensive RatesAverage Annual Collision RatesAverage Annual Liability RatesAverage Annual Total Rates
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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We don’t have 2008 or 2009 Nissan Altima insurance costs, but based on the data in this table, it is reasonable to believe those rates would be lower than 2016 Nissan Altima insurance costs.

It’s also worth noting that the exact model type can affect your Nissan Altima rates as well. For example, Nissan Alitima coupe insurance costs are about $1,548 per year, or $129 per month, which is higher than average costs across all Nissan Altima types.

Driver Age

Driver age can have a significant effect on Nissan Altima car insurance rates.

For example, 20-year-old drivers pay $1,768 more for their Nissan Altima car insurance each year than 30-year-old drivers.

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Driver Location

Where you live can have a large impact on Nissan Altima insurance rates.

For example, drivers in Houston may pay $1,066 a year more than drivers in Columbus.

Your Driving Record

Your driving record can have an impact on the cost of Nissan Altima auto insurance. Take a minute to watch this video for more on driving record and insurance rates.

To see how your driving record might affect your Nissan Altima rates, take a look at this chart, which compares rates by both driving record and age.

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, from the Insurance Institute for Highway Safety (IIHS) below:

Nissan Altima Safety Ratings
IIHS Safety Test TypeSafety Rating
Small overlap front: driver-sideGood
Small overlap front: passenger-sideGood
Moderate overlap frontGood
SideGood
Roof strengthGood
Head restraints and seatsGood
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This data looks specifically at recent model years.

Nissan Altima Crash Test Ratings

Nissan Altima crash test ratings can impact your Nissan Altima car insurance rates. See Nissan Altima crash test results from the National Highway Traffic Safety Administration (NHTSA) below:

Nissan Rogue Crash Test Ratings
Vehicle TestedOverallFront Driver and PassengerSide Driver and PassengerRollover
2020 Nissan Altima 4 DR FWD5 stars4 stars5 stars5 stars
2020 Nissan Altima 4 DR AWD5 stars4 stars5 stars5 stars
2019 Nissan Altima 4 DR FWD5 stars4 stars5 stars5 stars
2019 Nissan Altima 4 DR AWD5 stars4 stars5 stars5 stars
2018 Nissan Altima 4 DR FWD5 stars5 stars5 stars4 stars
2017 Nissan Altima 4 DR FWD5 stars5 stars5 stars4 stars
2016 Nissan Altima 4 DR FWD5 stars5 stars5 stars4 star
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As you can see, the data we have focuses on the most recent four model years for the Nissan Altima.

Nissan Altima Safety Features

The Nissan Altima safety features can help lower insurance costs. According to AutoBlog, 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

You can speak with a licensed insurance agent to find out if you qualify for any safety-based car insurance discounts.

Nissan Altima Insurance Loss Probability

The lower percentage means lower Nissan Altima car insurance rates; higher percentages mean higher Nissan Altima auto insurance rates. Using IIHS data, we put together a summary of the Nissan Altima insurance loss probability by coverage type. Take a look.

Nissan Altima Insurance Loss Probability by Coverage Type
Insurance Coverage TypeLoss Rate
Collision10%
Property Damage-3%
Comprehensive19%
Personal Injury44%
Medical Payment47%
Bodily Injury14%
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Insurance loss probability on the Nissan Altima fluctuates between each type of coverage.

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Nissan Altima Finance and Insurance Cost

If you are financing a Nissan Altima, most lenders will require you carry higher Nissan Altima coverage optionsm including comprehensive coverage, so be sure to shop around and compare Nissan Altima auto insurance rates from the best companies using our free tool below.

Ways to Save on Nissan Altima Insurance

If you want to reduce the cost of your Nissan Altima insurance rates, follow these tips below:

  • Remove unnecessary insurance once your Nissan Altima is paid off
  • Don’t assume your Nissan Altima is cheaper to insure than another vehicle; Compare; Compare; Compare
  • Tell your insurer about different drivers or uses for your Nissan Altima
  • Check the odometer on your Nissan Altima
  • Take a refresher course as an older driver

As we’ve already mentioned, you can also speak with your insurance agent about discounts you may qualify for.

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, according to the Insurance Information Institute.

Largest Insurance Companies by Market Share
RankCompanyVolumeMarket Share
1State Farm$65,615,1909.3%
2Geico $46,106,9716.6%
3Progressive$39,222,8795.6%
4Liberty Mutual$35,600,0515.1%
5Allstate$35,025,9035.0%
6Travelers$28,016,9664.0%
7USAA$23,483,0803.3%
8Chubb$23,388,3853.3%
9Farmers$20,643,5592.9%
10Nationwide$18,442,1452.6%
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Looked at graphically,

Many of these companies offer discounts for security systems and other safety features that the Nissan Altima offers.

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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.
If you’re looking to buy a Nissan Altima, you’ll need to consider the cost of car insurance rates. There are many factors affecting car insurance rates that will determine the auto insurance cost for your Altima.

As we’ve described already, and will continue to do, this article reviews the questions you should ask and information you need in order to determine the cost. Be sure to enter your ZIP code for a free car insurance comparison.

The Different Nissan Altima Models

There are many different models when it comes to an Altima. There is the 2.5, 2.5S, 2.5S with SL Package, 3.5SR, and the hybrid. The model you choose to buy will help determine how much your insurance costs.

For example, if you choose to get the standard Nissan Altima, your insurance will most likely be cheaper than if you purchased 3.5SR version.

The reason for this is that the 3.5SR version will most likely be considered a sports car due to its powerful V6 engine and sports tuned suspension.

The Year of the Nissan Altima

If you are buying a brand new Altima, your insurance costs will be much higher than if you are buying an older version (as we discussed earlier). Obviously, the less the car is worth, the less the insurance cost.

The auto insurance companies will not look at how much you paid for the car but will determine how much the car is valued at by using their own sources.

You may get a great deal on a newer Altima but the car insurance company will still charge you the insurance based on the value of the car.

Are you ready to buy Nissan Altima car insurance? Enter your ZIP code to start comparing Nissan Altima car insurance quotes online now.

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Frequently Asked Questions: Are Nissan Altimas Expensive to Insure?

Still have questions about insuring the Nissan Altima? Read these frequently asked questions for more.

#1 – Is a Nissan Altima expensive to insure?

Another thing that plays an important role when it comes to determining the cost of your insurance for a Nissan Altima is the company you choose to go with.

Auto insurance companies’ rates may vary depending on your circumstances. One company may give you a lower rate because you are a student, while the other company favors senior citizens.

Make sure you find a company that best fits your circumstances, no matter what type of car you are trying to insure.

#2 – How do I get quotes for a Nissan Altima?

These are just some things you need to consider when buying an Altima. Generally speaking, insurance rates will range around $1,400 dollars per year, but rates differ depending on the factors above.

#3 – What is the cost to insure a Nissan Sentra?

The average cost to insure a Nissa Sentra is $1,390 per year or $116 per month.

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