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Nissan Altima Car Insurance

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Key takeaways

  • Insurance for a Nissan Altima will cost on average $1726 annually , $860 for a 6-month policy, or $143 per month.
  • The Nissan Altima S Trim Level is the cheapest model to insure, costing $1650/year.
  • The Nissan Altima Platinum AWD is the costliest model to insure, which can cost you $1810/year.
  • Allied Insurance offers the cheapest coverage for the Nissan Altima, starting at $890/year for the 2022 model.

Nissan Altima auto insurance cost

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.

Are Nissan Altimas expensive to insure?

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.

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What impacts the cost of Nissan Altima auto insurance?

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:

  • The driver's age
  • The city you are driving in
  • The age of the car
  • Trim level of the car
  • The insurance company you choose

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.

Age of Driver Average Annual Rate
Age 20 $3061
Age 30 $1626
Age 40 $1551
Age 50 $1420
Age 60 $1390

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

How much is Nissan Altima auto insurance for recent models?

The average auto insurance premium for a 30-year-old driver with a recent Nissan Altima model is as follows:

  • A 2022 Nissan Altima will cost roughly $1718 per year to insure.
  • A 2021 Nissan Altima will cost $1534 per year to insure.
  • A 2020 Nissan Altima insurance premium costs on average $1504 per year.

Nissan Altima crash test ratings

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

Nissan Altima safety features

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

  • Front Side Air Bag
  • Rear Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Blind Spot Monitor
  • Lane Departure Warning
  • Child Safety Locks
  • Traction Control

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Nissan Altima safety ratings

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

Nissan Altima car insurance loss probability

Insurance Coverage Category Loss Rate
Collision 11%
Property Damage -4%
Comprehensive 18%
Personal Injury 43%
Medical Payment 45%
Bodily Injury 15%

Ways to save on Nissan Altima car insurance

  • Be a safe driver: Save money on insurance by driving carefully. Too many at-fault accidents can increase your premiums by up to $588 for drivers over 60 years of age, and by more than $834 annually for drivers under 30 years.
  • Improve your credit score before applying: In states where your credit score is used to determine your insurance rate, it can be pivotal in getting a lower rate. Applicants with excellent credit scores can save as much as $250 or more yearly compared to those with lower credit scores of 670-740.
  • Follow driving laws: Even something as simple as traffic violations can increase the auto insurance premium for your Nissan Altima. Ensure you follow all traffic and driving laws so that you appear as a model driver to the insurance company.
  • Ask for relevant discounts: If you are a loyal customer, senior citizen, military member, or government employee, you will be eligible for several kinds of discounts. You'll be able to save as much as $300 on your auto insurance rates.

How do I find the best Nissan Altima car insurance rates?

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!

How to get Nissan Altima auto insurance with Way.com

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!

Auto Insurance Data Methodology

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

Frequently Asked Questions (FAQ)

Why is Nissan Altima insurance so high?

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).

How much is insurance for a Nissan Altima?

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.

What is the average insurance cost for a Nissan Altima?

The average insurance cost for a Nissan Altima is $1726/year.

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