The Nissan Altima has been in production since 1992 and has a long history of success. It is one of the most popular mid-size cars, often praised for its touch of luxury as well. Produced for more than four generations, the Altima has always been a reliable option for anyone looking for a compatible mid-size car. Still, whether you own one or are planning to buy, it's important to understand the Nissan Altima car insurance cost and the premiums offered by insurance companies. In this guide, we'll cover the details to give you a complete idea about everything related to Altima insurance.
The average annual Nissan Altima auto insurance cost is around $1,680, which comes to about $140 per month. Several factors play a role in determining the insurance cost of an Altima. For reference, we've estimated these rates based on a 30-year-old driver with good driving history. However, your personal profile and coverage choices may cause the rate to vary slightly. That's why it's always a good idea to compare all coverage options before finalizing your policy.
Yes, the Nissan Altima tends to be more expensive to insure compared to many other mid-size cars. One of the main reasons is that the Altima also falls into the semi-luxury category, and its maintenance costs are generally higher than those of standard mid-size vehicles. As mentioned earlier, several factors influence Altima's overall auto insurance cost. While the car itself is affordable, you should pay close attention to your Nissan Altima auto insurance cost and make a smart choice when selecting a policy.
The cost of Nissan Altima car insurance depends on several factors, including the MSRP, model year, trim level, driver profile, past insurance claims, age, safety features, and maintenance costs. Each insurance provider weighs these factors differently, which is why premiums vary from one provider to another. The best approach is to compare multiple providers, see which ones fit your budget, and then choose the right insurance partner.
When we check the list of companies offering the cheapest insurance rates for the 2020 Nissan Altima, Vermont Mutual comes out on top with annual premiums starting at $1,171. Right after that, Nationwide and USAA follow, offering rates of $1,282 and $1,306 per year. On the higher side, Arbella provides the most expensive coverage, with annual costs reaching $1,590.
| Insurance company | Annual rate |
|---|---|
| Vermont Mutual | $1,171 |
| Nationwide | $1,282 |
| USAA | $1,306 |
| Erie | $1,306 |
| Tennessee Farmers | $1,317 |
| American Family | $1,434 |
| Country | $1,503 |
| State Farm | $1,529 |
| Southern Farm Bureau | $1,582 |
| Mercury | $1,590 |
| Arbella | $1,590 |
For the 2019 Nissan Altima, USAA stands out as the most affordable option with an average yearly rate of $1,110. Cincinnati Insurance and Erie also remain competitive, charging $1,121 and $1,147, respectively. At the top end of the spectrum, Mercury is the priciest, with insurance premiums going up to $1,558.
| Insurance company | Annual rate |
|---|---|
| USAA | $1,110 |
| Cincinnati Insurance | $1,121 |
| Erie | $1,147 |
| Auto Owners | $1,252 |
| Country | $1,411 |
| Nationwide | $1,416 |
| American Family | $1,420 |
| State Farm | $1,527 |
| Acuity | $1,539 |
| Arbella | $1,550 |
| Mercury | $1,558 |
Owners of the 2018 Nissan Altima can find the lowest coverage with Erie, which starts at $907 per year. Just below are USAA at $974 and Tennessee Farmers at $985. On the more expensive end, Southern Farm Bureau tops the list with policies averaging $1,443 annually.
| Insurance company | Annual rate |
|---|---|
| Erie | $907 |
| USAA | $974 |
| Tennessee Farmers | $985 |
| Vermont Mutual | $1,122 |
| Acuity | $1,199 |
| Plymouth Rock Insurance | $1,217 |
| Country | $1,286 |
| American Family | $1,310 |
| Arbella | $1,323 |
| Nationwide | $1,386 |
| Southern Farm Bureau | $1,443 |
For 2017 models, Erie offers the most budget-friendly insurance, beginning at $681. USAA and Progressive follow, with yearly costs of $712 and $862. Meanwhile, if you're insured with Acuity, expect to pay the higher premium of about $1,184.
| Insurance company | Annual rate |
|---|---|
| Erie | $681 |
| USAA | $712 |
| Progressive | $862 |
| State Farm | $867 |
| Texas Farm Bureau | $882 |
| Tennessee Farmers | $981 |
| Nationwide | $1,003 |
| Quincy Mutual | $1,091 |
| Vermont Mutual | $1,099 |
| American Family | $1,180 |
| Acuity | $1,184 |
Regarding the 2016 Nissan Altima auto insurance cost, Texas Farm Bureau provides the lowest average annual rate, at just $861. Next in line are Vermont Mutual and Erie, with premiums of $992 and $1,058. On the other hand, Tennessee Farmers charges the most, with rates climbing to $1,386.
| Insurance company | Annual rate |
|---|---|
| Texas Farm Bureau | $861 |
| Vermont Mutual | $992 |
| Erie | $1,058 |
| Quincy Mutual | $1,059 |
| USAA | $1,207 |
| American Family | $1,309 |
| Country | $1,323 |
| Arbella | $1,334 |
| Nationwide | $1,344 |
| State Farm | $1,345 |
| Tennessee Farmers | $1,386 |
The 2015 Nissan Altima has its cheapest insurance option with Erie, offering plans at $584 a year. USAA and State Farm also rank well at $643 and $730. But Acuity proves to be the costliest, with annual premiums reaching $1,088.
| Insurance company | Annual rate |
|---|---|
| Erie | $584 |
| USAA | $643 |
| State Farm | $730 |
| Progressive | $783 |
| Texas Farm Bureau | $838 |
| Tennessee Farmers | $958 |
| Nationwide | $988 |
| Vermont Mutual | $992 |
| American Family | $1,028 |
| Quincy Mutual | $1,035 |
| Acuity | $1,088 |
For 2014 Nissan Altima auto insurance premiums, Erie is again the most economical choice, with coverage costing around $619 annually. USAA and Texas Farm Bureau follow closely with rates of $702 and $798. By comparison, Plymouth Rock Insurance is the most expensive, charging $1,088 per year.
| Insurance company | Annual rate |
|---|---|
| Erie | $619 |
| USAA | $702 |
| Texas Farm Bureau | $798 |
| State Farm | $887 |
| Progressive | $894 |
| Vermont Mutual | $928 |
| Tennessee Farmers | $963 |
| Quincy Mutual | $1,007 |
| Acuity | $1,060 |
| Nationwide | $1,084 |
| Plymouth Rock Insurance | $1,088 |
The 2013 Nissan Altima gets its most affordable insurance from Erie, with premiums at $579 yearly. USAA and Texas Farm Bureau are next in line with rates of $651 and $778. Meanwhile, Plymouth Rock Insurance offers policies at $1,061 a year. Acuity and Nationwide are also expensive insurance companies, with premiums at $1,035 and $1,026, respectively.
| Insurance company | Annual rate |
|---|---|
| Erie | $579 |
| USAA | $651 |
| Texas Farm Bureau | $778 |
| State Farm | $813 |
| Progressive | $823 |
| Vermont Mutual | $901 |
| Tennessee Farmers | $950 |
| Quincy Mutual | $979 |
| Nationwide | $1,026 |
| Acuity | $1,035 |
| Plymouth Rock Insurance | $1,061 |
For 2012 models, Erie delivers the cheapest coverage, averaging $550 annually. USAA and State Farm follow, with costs of $560 and $622 per year, respectively. At the opposite end, American Family has the most expensive premiums, reaching $985 annually.
| Insurance company | Annual rate |
|---|---|
| Erie | $550 |
| USAA | $560 |
| State Farm | $622 |
| Progressive | $731 |
| Texas Farm Bureau | $745 |
| Vermont Mutual | $792 |
| Tennessee Farmers | $879 |
| Acuity | $940 |
| Nationwide | $952 |
| Quincy Mutual | $955 |
| American Family | $985 |
Erie provides the most budget-friendly 2011 Nissan Altima car insurance rates, starting at $586 per year. USAA and Texas Farm Bureau aren't far behind, with yearly costs of $632 and $725, respectively. On the higher side, American Family has the most expensive plans, averaging $1,039.
| Insurance company | Annual rate |
|---|---|
| Erie | $586 |
| USAA | $632 |
| Texas Farm Bureau | $725 |
| State Farm | $774 |
| Progressive | $839 |
| Vermont Mutual | $843 |
| Quincy Mutual | $930 |
| Tennessee Farmers | $970 |
| Nationwide | $1,002 |
| Plymouth Rock Insurance | $1,009 |
| American Family | $1,039 |
Safety features play a big role in deciding the Nissan Altima car insurance cost. Since the Altima comes equipped with decent safety features, it helps bring down the overall insurance rate to some extent. Here are some of the key safety features included in the Altima:
Along with safety features, safety ratings are another key factor that influences the Nissan Altima insurance cost. Higher ratings usually mean better protection, which can help lower insurance premiums. Below are the consolidated safety ratings of the Altima as provided by the IIHS (Insurance Institute for Highway Safety):
| Crash Test / Safety Category | Rating |
|---|---|
| Small Overlap Front - Driver | Good (G) |
| Small Overlap Front - Passenger | Good (G) |
| Moderate Overlap Front - Original Test | Good (G) |
| Moderate Overlap Front - Updated Test (2024-25 models) | Marginal (M) |
| Side Impact - Original Test (2019-21 models) | Good (G) |
| Side Impact - Updated Test (2025 Altima) | Poor (P) |
| Front Crash Prevention (Vehicle-to-Vehicle / Pedestrian) | Marginal |
Start your auto insurance journey today with the Way app or by visiting Way.com and get a free quote in just a few minutes! Compare plans from over 140 top insurance providers on our platform, giving you the flexibility to choose the right policy that could help reduce your Nissan Altima car insurance costs. You can also browse the insurance rates of different car models with Way.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
Nissan Altimas are expensive to insure. This is because Nissan Altimas are stolen more often than most cars. Cars that are stolen more often cost more to insure because they are seen as a higher risk.
Insurance for a 2009 Nissan Altima can range anywhere from $25 to $95 a month, depending on the amount of coverage, your driving record, and the insurance company you choose. The average cost of insurance for a Nissan Altima is around $1,680 a year.
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