Key takeaways
The Nissan Altima is one of the most dependable vehicles from the Nissan stable, but how does it fare on the auto insurance front? You'll have to compare many different parameters before choosing a good insurance company for your Nissan Altima.
On average, Nissan Altima insurance will cost $1726 per year, which is slightly more than the national average of $1635 per year. You may have to pay $100-150 extra than the national average for full coverage on the Nissan Altima.
How do you make sense of all these different rates? Get a free quote in just minutes and compare offers from top auto insurance companies easily using Way.com.
The Nissan Altima is quite an affordable car to finance, with an average showroom price of $25,000. However, when it comes to auto insurance, we compared it with other mid-sized cars and found that it is slightly more expensive to insure.
Currently, the Nissan Altima costs $235 to insure than the cheapest mid-size car to insure, the Subaru Legacy. In fact, there are only two other cars that are costlier to insure than the Nissan Altima - the Hyundai Sonata ($1745/year) and Kia Stinger (1812/year).
Here's how auto insurance premiums for other brands compare to the Nissan Altima.
| Midsize Car Type | Annual Rate |
|---|---|
| Subaru Legacy | $1,491 |
| Honda Insight | $1,493 |
| Kia K5 | $1,509 |
| Toyota Camry | $1,513 |
| Volkswagen Passat | $1,519 |
| Mazda 6 | $1,529 |
| Chevrolet Malibu | $1,595 |
| Honda Accord | $1,599 |
| Tesla Model 3 | $1,613 |
| Volkswagen Arteon | $1,672 |
| Nissan Altima | $1,726 |
| Hyundai Sonata | $1,745 |
| Kia Stinger | $1,812 |
However, the brand of mid-size car you own is not the only factor that can increase premiums. Car insurance is increasingly costlier if you are a teenager or live in a city/state where insurance is costly in general.
For example, the highest Nissan Altima premiums are paid by New Yorkers and Los Angelenos , where annual rates can range between $2200-2500! Teen and young adult drivers can have high auto insurance premiums because in general they cause more accidents. You may be looking at premiums as high as $3400 depending on the city you live in, ZIP code, and more.
Several variables impact the cost of Nissan Altima insurance, depending on which the premiums you pay can go higher or lower. Some of these variables include:
Age of the driver
Teens and young adults are considered as riskier applicants by insurance companies because they tend to be involved in more accidents. As a result, a 20-year-old driver can expect premiums as high as $3061 compared to a 60-year-old driver with just $1390/year.
Model year / age of the car
Older Nissan models will generally cost lesser to insure - primarily because they are less likely to be stolen, cost less to repair, and have a lower value overall. The auto insurance premium for a Nissan Altima 2018 edition is on average $400 less than that for a 2022 edition.
| Car Model Year | Driver Age 20 | Driver Age 30 | Driver Age 40 | Driver Age 50 | Driver Age 60 |
|---|---|---|---|---|---|
| 2022 | $3,403 | $1,802 | $1,718 | $1,567 | $1,540 |
| 2021 | $3,033 | $1,614 | $1,534 | $1,397 | $1,372 |
| 2020 | $2,981 | $1,582 | $1,504 | $1,371 | $1,348 |
| 2019 | $2,977 | $1,572 | $1,502 | $1,371 | $1,346 |
| 2018 | $2,967 | $1,562 | $1,500 | $1,369 | $1,344 |
| 2017 | $2,877 | $1,510 | $1,450 | $1,325 | $1,304 |
| 2018 | $2,615 | $1,384 | $1,322 | $1,207 | $1,186 |
Trim level
Choosing a Nissan Altima with higher-end trim levels can significantly raise your premiums.
The Nissan Altima Platinum AWD and SR VC-Turbo trim levels are the costliest to insure - it will cost you upwards of $1790. Compared to this, the cheapest trim levels are the S and SV levels which cost around $1650.
| Trim Level | Annual Rate |
|---|---|
| S | $1,651 |
| SV | $1,663 |
| SL | $1,673 |
| SV AWD | $1,697 |
| SL AWD | $1,705 |
| SR | $1,711 |
| SR AWD | $1,723 |
| SR Midnight Edition | $1,729 |
| SR Midnight Edition AWD | $1,739 |
| SR VC-Turbo | $1,791 |
| Platinum AWD | $1,809 |
City you are located in
You will likely pay a higher Nissan Altima premium if you live in a large metropolis with a high density of vehicles and a higher possibility of accidents. Larger cities also have a higher rate of theft and vandalism, which means some ZIP codes can be extremely expensive to insure.
The highest Nissan Altima premiums are found in Los Angeles($2484/year) and New York ($2296/year).
| City | Average Annual Rate |
|---|---|
| Los Angeles, CA | $2484 |
| New York, NY | $2296 |
| Houston, TX | $2277 |
| Jacksonville, FL | $2110 |
| Philadelphia, PA | $1949 |
| Chicago, IL | $1920 |
| Phoenix, AZ | $1685 |
| Seattle, WA | $1415 |
| Indianapolis, IN | $1240 |
| Columbus, OH | $1210 |
Insurance company
Based on the research done by the Way.com team, Allied offers the cheapest Nissan Altima insurance deals averaged across all states, with a premium of $890/year.
| Company | Annual Rate |
|---|---|
| Allied | $890 |
| Vermont Mutual | $1253 |
| Nationwide | $1367 |
| Erie | $1389 |
| USAA | $1391 |
| Tennessee Farmers | $1400 |
| American Family | $1516 |
| Country | $1585 |
| State Farm | $1615 |
| Southern Farm Bureau | $1665 |
| Arbella | $1672 |
The average auto insurance premium for a 30-year-old driver with a recent Nissan Altima model is as follows:
| Vehicle Year | Overall Rating | Front Driver and Passenger | Side Driver and Passenger | Rollover |
|---|---|---|---|---|
| 2022 Nissan Altima | 5 Stars | 4 Stars | 5 Stars | 5 Stars |
| 2021 Nissan Altima | 5 Stars | 4 Stars | 5 Stars | 5 Stars |
| 2020 Nissan Altima | 5 Stars | 4 Stars | 5 Stars | 5 Stars |
| 2019 Nissan Altima | 5 Stars | 4 Stars | 5 Stars | 5 Stars |
| 2018 Nissan Altima | 5 Stars | 5 Stars | 5 Stars | 4 Stars |
| 2017 Nissan Altima | 5 Stars | 5 Stars | 5 Stars | 4 Stars |
Buying a car with comprehensive safety features can significantly reduce your insurance costs in the long run. Here are some of the features present in the Nissan Altima
| IIHS Safety Test Type | Safety Rating |
|---|---|
| Head restraints and seats | Good |
| Roof strength | Good |
| Side strength | Good |
| Moderate overlap front | Good |
| Small overlap front: passenger side | Good |
| Small overlap front: driver-side | Good |
| Insurance Coverage Category | Loss Rate |
|---|---|
| Collision | 11% |
| Property Damage | -4% |
| Comprehensive | 18% |
| Personal Injury | 43% |
| Medical Payment | 45% |
| Bodily Injury | 15% |
There are so many factors at play when looking for the best insurance rates for your Nissan Altima. However, if there's one mantra you need to keep in mind, it is that you should always compare.
You won't get the best deal by locking yourself into the first deal you get - that's how most insurance companies take advantage of you. Different companies use different methodologies to calculate the premium they offer you - what works with one may not work with the other.
Always compare as many insurance quotes as you can get before signing on for a Nissan Altima auto insurance policy. You can also ensure a spotless traffic record and ask for any type of discount that can help shave a few hundred dollars off your premium!
Simply download the Way.com app or head to the Way.com website to start your auto insurance journey and get a free quote in just minutes! Compare offers from more than 50 different insurance providers on our platform, which lets you choose the best policy for your Nissan Altima - all in as little as 45 seconds!
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
The cost of insuring a Nissan Altima currently averages around $1726/year, which makes it one of the costlier mid-size sedans to insure. You will have to spend $235 more than the cheapest car to insure in this car size, the Subaru Legacy. There are only two other cars that are costlier to insure than the Nissan Altima - the Hyundai Sonata ($1745/year) and Kia Stinger (1812/year).
The Nissan Altima costs $1726/year on average to insure, though this is only a ballpark figure. The actual cost can vary based on the applicant's age, location, traffic violations, and more.
The average insurance cost for a Nissan Altima is $1726/year.
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