Nissan Altima Car Insurance Cost 2025
On average, insuring a Nissan Altima costs $780 per year. However, actual rates may vary based on factors such as the driver’s age, location, driving history, and the specific model year of the vehicle. To get a more accurate estimate tailored to your profile, you can refer to our quote tables below.
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If you’re thinking about buying a Nissan Altima, one important thing to think about is the cost of insurance. On average, insurance for a Nissan Altima costs $780 per year. Insurance is a big part of owning a car, and it’s important to understand what you’re getting into before you buy.
Choosing the right car insurance is crucial because picking the wrong one could lead to unexpected and expensive bills later on. You don’t want to be stuck with inadequate coverage if you have an accident, facing big out-of-pocket costs. Plus, if you’re at fault, your premiums could go up.
With more than ten years of experience studying car insurance rates, I’ve noticed how much they can vary. Things like your age, driving history, and where you live can all play a big role in how much you pay for insurance.
How Much Does Nissan Altima Car Insurance Cost?
Typically, Nissan Altima drivers can expect to pay an average of $780 per year for car insurance. However, actual rates may vary depending on factors such as age, location, driving history, and coverage options.
The cost of car insurance varies significantly based on multiple factors, including location, driving history, vehicle model year, and selected coverage options. Maintaining a clean driving record helps secure lower premiums, while accidents or traffic violations can lead to higher costs. Urban areas with heavy traffic often have higher insurance rates compared to rural regions with less congestion. Additionally, the type of coverage selected impacts the premium—comprehensive insurance, which includes both comprehensive and collision coverage, is generally more expensive than minimum liability coverage. The cost of insurance for a Nissan Altima is higher than the average for all Nissan models and is also more expensive than the overall average for all cars. To find the best rates, Insuranceopedia allows you to compare quotes from multiple auto insurance companies.
| Vehicle | Average Monthly Premium |
| Nissan Altima | $195 |
| All Nissans | $181 |
| All Cars | $175 |
Average Insurance Cost Of Nissan Altima By Model Year
| Model Year | Average Premium |
| 2024 Nissan Altima | $1,210 |
| 2023 Nissan Altima | $838 |
| 2022 Nissan Altima | $822 |
| 2021 Nissan Altima | $585 |
| 2020 Nissan Altima | $436 |
| 2019 Nissan Altima | $554 |
| 2018 Nissan Altima | $422 |
| 2017 Nissan Altima | $416 |
| 2016 Nissan Altima | $635 |
| 2015 Nissan Altima | $450 |
| 2014 Nissan Altima | $370 |
| 2013 Nissan Altima | $504 |
| 2012 Nissan Altima | $435 |
| 2011 Nissan Altima | $325 |
| 2010 Nissan Altima | $365 |
2024 Nissan Altima Insurance Rates
The average annual insurance cost for a 2024 Nissan Altima is $1,210. However, New York Central Mutual Fire offers the cheapest rates, averaging $780 per year.
| Insurance Provider | Average Annual Cost |
| Pekin Insurance | $976 |
| Grange Mutual | $1,449 |
| Virginia Farm Bureau | $1,339 |
| New Jersey Manufacturers | $1,338 |
| New York Central Mutual Fire | $780 |
| SECURA Insurance | $1,258 |
| Hastings Mutual Insurance Co | $854 |
| Erie | $1,356 |
| North Carolina Farm Bureau | $1,408 |
| Texas Farm Bureau Group | $1,340 |
2023 Nissan Altima Insurance Rates
The average annual insurance cost for a 2023 Nissan Altima is $838. However, Safeco offers the cheapest rates, averaging $192 per year.
| Insurance Provider | Average Annual Cost |
| Infinity Special | $514 |
| NatGen Value | $1,292 |
| Tower Insurance Company of New York | $1,058 |
| NatGen Advantage | $870 |
| Safeco | $192 |
| AssuranceAmerica Mobile Max | $718 |
| Victoria | $370 |
| SECURA Insurance | $1,240 |
| Texas Farm Bureau Group | $1,260 |
| New York Central Mutual Fire | $869 |
2022 Nissan Altima Insurance Rates
The average annual insurance cost for a 2022 Nissan Altima is $822. However, Safeco offers the cheapest rates, averaging $259 per year.
| Insurance Provider | Average Annual Cost |
| Victoria | $524 |
| Capital Insurance Group | $1,334 |
| American National P | $1,112 |
| Kemper Premium | $529 |
| Safeco | $259 |
| NatGen Custom 360 | $511 |
| AssuranceAmerica Mobile Max | $406 |
| Mercury Insurance | $1,180 |
| Kemper Personal Insurance | $1,331 |
| Tower Insurance Company of New York | $1,034 |
2021 Nissan Altima Insurance Rates
The average annual insurance cost for a 2021 Nissan Altima is $585. However, NatGen Custom 360 offers the cheapest rates, averaging $194 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Mobile Max | $283 |
| Titan | $1,043 |
| American National P | $900 |
| Victoria | $516 |
| Safeco | $201 |
| Kemper Personal Insurance | $347 |
| NatGen Custom 360 | $194 |
| Pure Companies Grp | $918 |
| Plymouth Rock Assurance | $931 |
| Mercury Insurance | $514 |
2020 Nissan Altima Insurance Rates
The average annual insurance cost for a 2020 Nissan Altima is $436. However, Jupiter Auto Insurance offers the cheapest rates, averaging $17 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $125 |
| American National P | $1,044 |
| AssuranceAmerica Mobile Max | $739 |
| Dairyland FR Bond | $232 |
| Jupiter Auto Insurance | $17 |
| Safeco | $132 |
| Kemper Auto Premium | $86 |
| Mercury Insurance | $728 |
| Titan | $992 |
| NatGen Custom 360 | $265 |
2019 Nissan Altima Insurance Rates
The average annual insurance cost for a 2019 Nissan Altima is $554. However, Safeco offers the cheapest rates, averaging $121 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $220 |
| Jupiter Auto Insurance | $978 |
| Dairyland Broadform | $731 |
| NatGen Custom 360 | $459 |
| Safeco | $121 |
| AssuranceAmerica Mobile Max | $405 |
| Dairyland Auto 1 Month | $219 |
| Dairyland FR Bond | $786 |
| Kemper Auto Premier | $895 |
| Mercury Insurance | $728 |
2018 Nissan Altima Insurance Rates
The average annual insurance cost for a 2018 Nissan Altima is $422. However, Kemper Auto Premier offers the cheapest rates, averaging $182 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $226 |
| Mercury Insurance | $808 |
| Kemper Personal Insurance | $392 |
| Dairyland Auto 1 Month | $324 |
| Kemper Auto Premier | $182 |
| NatGen Custom 360 | $250 |
| AssuranceAmerica Mobile Max | $248 |
| Union Mutual Fire Group | $712 |
| American National P&C | $723 |
| Dairyland Broadform | $352 |
2017 Nissan Altima Insurance Rates
The average annual insurance cost for a 2017 Nissan Altima is $416. However, Kemper Auto Premier offers the cheapest rates, averaging $78 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $164 |
| Dairyland Broadform | $808 |
| Kemper Auto Premier | $589 |
| Kemper Personal Insurance | $325 |
| Kemper Auto Premium | $78 |
| NatGen Custom 360 | $237 |
| Dairyland Auto 1 Month | $155 |
| Mercury Insurance | $721 |
| Dairyland FR Bond | $768 |
| AssuranceAmerica Mobile Max | $314 |
Find Affordable Nissan Altima Insurance Rates
2016 Nissan Altima Insurance Rates
The average annual insurance cost for a 2016 Nissan Altima is $635. However, NatGen Custom 360 offers the cheapest rates, averaging $137 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $348 |
| Countryway Insurance | $1,094 |
| Concord Group | $800 |
| Kemper Auto Premium | $652 |
| NatGen Custom 360 | $137 |
| AssuranceAmerica Mobile Max | $379 |
| Safeco | $193 |
| ACCC Insurance Company | $1,015 |
| Mercury Insurance | $1,053 |
| Loya Insurance | $677 |
2015 Nissan Altima Insurance Rates
The average annual insurance cost for a 2015 Nissan Altima is 450. However, NatGen Custom 360 offers the cheapest rates, averaging $73 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Premium | $338 |
| Bear River | $850 |
| Mercury Insurance | $450 |
| AssuranceAmerica Mobile Max | $460 |
| NatGen Custom 360 | $73 |
| Kemper Personal Insurance | $435 |
| Safeco | $134 |
| Dairyland FR Bond | $486 |
| Kemper Auto Premier | $863 |
| Kemper Auto Premium | $407 |
2014 Nissan Altima Insurance Rates
The average annual insurance cost for a 2014 Nissan Altima is 370. However, Kemper Premium offers the cheapest rates, averaging $87 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $209 |
| Pure Companies Grp | $809 |
| Dairyland FR Bond | $446 |
| Kemper Personal Insurance | $268 |
| Kemper Premium | $87 |
| AssuranceAmerica Mobile Max | $242 |
| Safeco | $159 |
| Dairyland Broadform | $435 |
| Kemper Auto Premier | $644 |
| Mercury Insurance | $402 |
2013 Nissan Altima Insurance Rates
The average annual insurance cost for a 2013 Nissan Altima is $504. However, NatGen Custom 360 offers the cheapest rates, averaging $52 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $134 |
| AssuranceAmerica Mobile Max | $920 |
| Kemper Auto Premier | $657 |
| Dairyland Broadform | $522 |
| NatGen Custom 360 | $52 |
| Kemper Auto Premium | $348 |
| Kemper Personal Insurance | $136 |
| Bear River | $772 |
| Utica National Ins Group | $895 |
| Mercury Insurance | $606 |
2012 Nissan Altima Insurance Rates
The average annual insurance cost for a 2012 Nissan Altima is $435. However, Safeco offers the cheapest rates, averaging $139 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $200 |
| Concord Group | $794 |
| Kemper Personal Insurance | $560 |
| AssuranceAmerica Mobile Max | $470 |
| Safeco | $139 |
| American National P&C | $378 |
| Kemper Auto Premier | $151 |
| Mercury Insurance | $586 |
| Dairyland Broadform | $592 |
| Dairyland Auto 1 Month | $480 |
2011 Nissan Altima Insurance Rates
The average annual insurance cost for a 2011 Nissan Altima is $325. However, Safeco offers the cheapest rates, averaging $128 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $198 |
| Dairyland FR Bond | $658 |
| Kemper Personal Insurance | $319 |
| Dairyland Broadform | $210 |
| Safeco | $128 |
| NatGen PPA | $233 |
| Kemper Auto Premium | $156 |
| Concord Group | $482 |
| MMG Insurance Company | $647 |
| AssuranceAmerica Mobile Max | $220 |
2010 Nissan Altima Insurance Rates
The average annual insurance cost for a 2010 Nissan Altima is $365. However, Safeco offers the cheapest rates, averaging $54 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $101 |
| Infinity Special | $738 |
| Dairyland Auto 1 Month | $421 |
| Dairyland Broadform | $214 |
| Safeco | $54 |
| Mercury Insurance | $173 |
| NatGen Custom 360 | $87 |
| Farmers Mutual of Nebraska | $672 |
| Kemper Auto Premier | $729 |
| Kemper Auto Premium | $459 |
Find Affordable Nissan Altima Insurance Rates
The cost to insure a Nissan Altima is higher than the overall average for all cars. However, the exact amount you’ll pay depends on several factors, including your age, the age of your car, your location, driving history, and the coverage options you choose. Each of these elements plays a role in determining your final insurance premium, so comparing quotes from multiple providers can help you find the best rate for your specific situation.
Cost of Nissan Altima Car Insurance By Age
Age is a major factor in determining car insurance rates for any vehicle. Teenagers generally pay the highest premiums since they have a higher likelihood of being involved in accidents compared to other age groups. However, as drivers gain experience and establish a history of safe driving, their insurance costs typically decrease. Older drivers are considered lower risk, leading to lower premiums over time.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $8,804 | $12,942 | $15,089 |
| 18 | $8,191 | $11,993 | $14,112 |
| 19 | $7,218 | $10,652 | $12,410 |
| 20 | $6,302 | $9,252 | $10,851 |
| 21 | $5,304 | $7,801 | $9,104 |
| 22 | $5,164 | $7,540 | $8,847 |
| 23 | $4,552 | $6,630 | $7,741 |
| 24 | $4,290 | $6,287 | $7,348 |
| 25 | $3,735 | $5,435 | $6,320 |
| 30 | $2,865 | $4,214 | $4,939 |
| 35 | $2,698 | $3,981 | $4,614 |
| 40 | $2,561 | $3,828 | $4,477 |
| 45 | $2,515 | $3,700 | $4,313 |
| 55 | $2,292 | $3,378 | $4,006 |
| 65 | $2,414 | $3,566 | $4,142 |
| 75 | $3,074 | $4,460 | $5,250 |
Nissan Altima Car Insurance Rates By State
Your location significantly impacts how insurance companies determine rates for your Nissan Altima. Each state has its own auto insurance regulations, which can affect pricing. For instance, Michigan drivers often face higher premiums due to mandatory high coverage levels. Additionally, regional factors such as extreme weather conditions—including hurricanes, storms, and flooding—can influence insurance costs. Crime rates and accident statistics in your area also play a role; locations with high rates of car thefts, collisions, or vehicle fatalities may lead to increased premiums. Insurers assess all these factors when calculating your exact insurance rate.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,756 | $4,000 | $5,062 |
| Alaska | $2,244 | $3,172 | $3,053 |
| Arizona | $2,541 | $3,716 | $5,463 |
| Arkansas | $2,804 | $4,416 | $4,868 |
| California | $3,119 | $5,543 | $3,166 |
| Colorado | $2,934 | $4,088 | $5,221 |
| Connecticut | $3,747 | $5,772 | $7,336 |
| Delaware | $3,086 | $4,142 | $5,294 |
| Florida | $3,698 | $5,110 | $6,657 |
| Hawaii | $1,193 | $1,607 | $1,164 |
| Idaho | $2,081 | $2,777 | $3,390 |
| Illinois | $2,185 | $3,320 | $3,769 |
| Indiana | $2,266 | $3,414 | $3,872 |
| Iowa | $1,779 | $2,430 | $2,848 |
| Kansas | $2,371 | $3,439 | $4,040 |
| Kentucky | $3,418 | $5,029 | $5,901 |
| Louisiana | $4,391 | $6,660 | $7,185 |
| Maine | $1,669 | $2,292 | $3,376 |
| Maryland | $2,670 | $3,899 | $4,341 |
| Massachusetts | $2,170 | $3,767 | $2,151 |
| Michigan | $5,152 | $7,965 | $12,539 |
| Minnesota | $2,137 | $2,863 | $4,056 |
| Mississippi | $2,580 | $3,680 | $3,706 |
| Missouri | $2,436 | $3,494 | $4,545 |
| Montana | $2,454 | $3,437 | $4,013 |
| Nebraska | $2,077 | $3,090 | $3,347 |
| Nevada | $3,439 | $5,118 | $5,398 |
| New Hampshire | $2,404 | $3,765 | $4,803 |
| New Jersey | $2,689 | $4,156 | $5,418 |
| New Mexico | $2,720 | $3,970 | $4,173 |
| New York | $2,499 | $3,180 | $5,252 |
| North Carolina | $1,536 | $2,659 | $1,878 |
| North Dakota | $2,082 | $3,216 | $3,812 |
| Ohio | $1,870 | $2,944 | $3,004 |
| Oklahoma | $3,022 | $4,334 | $4,846 |
| Oregon | $2,759 | $3,666 | $4,368 |
| Pennsylvania | $2,311 | $3,419 | $4,012 |
| Rhode Island | $3,850 | $5,657 | $6,370 |
| South Carolina | $2,609 | $3,614 | $5,023 |
| South Dakota | $2,331 | $3,382 | $3,882 |
| Tennessee | $2,770 | $4,112 | $5,401 |
| Texas | $2,776 | $4,012 | $5,031 |
| Utah | $2,378 | $3,356 | $4,551 |
| Vermont | $1,839 | $2,769 | $2,970 |
| Virginia | $1,725 | $2,633 | $2,574 |
| Washington | $2,290 | $3,093 | $3,709 |
| West Virginia | $2,317 | $3,273 | $4,103 |
| Wisconsin | $2,333 | $3,572 | $4,076 |
| Wyoming | $2,116 | $3,004 | $3,152 |
| Georgia | $3,018 | $4,518 | $4,538 |
Find Affordable Nissan Altima Insurance Rates
Cheapest Car Insurance Companies For A Nissan Altima
If you’re in the market for a new car insurance policy for your Nissan Altima, it’s essential to find the most affordable provider. ACG offers the lowest average rate at $27 per month, making them the cheapest option for Nissan Altima drivers. However, insurance premiums vary based on individual factors such as driving history, location, and coverage needs. Since rates can fluctuate depending on your specific profile, the best way to secure the lowest price is to compare quotes from multiple providers and find the one that offers the best balance of coverage and affordability.
| Company | Average Monthly Rate |
| Hugo | $42 |
| CaliforniaCasualty | $36 |
| StateAuto | $45 |
| Ohio Mutual | $31 |
| ACG | $27 |
Common Nissan Altima Insurance Discounts
Discounts are an excellent way to reduce your car insurance costs. While each provider offers its own set of discounts, there are some common ones you may be eligible for:
- Multi-policy discount – Bundle your home and auto insurance with the same provider for potential savings.
- Pay annually – Paying your premium in full instead of monthly can lower your overall cost.
- Defensive driving discount – Completing a certified defensive driving course may qualify you for reduced rates.
There may be additional discounts available, so it’s best to check with your insurance agent to see which ones you qualify for.
Ways To Save On Nissan Altima Insurance Costs
Maintaining a clean driving record is one of the best ways to keep your Nissan Altima insurance costs low. Getting a speeding ticket or being involved in an accident can raise your premiums. For instance, Nissan Altima drivers with a ticket on their record can expect to pay around $111 per month, while those with multiple accidents will pay an average of $150 per month.
Additionally, drivers with low annual mileage tend to pay less, as they have fewer chances of getting into accidents. Drivers who cover between 0-2,500 miles per year typically pay around $95 per month, while those who drive over 10,000 miles annually pay about $90 per month. By avoiding violations and driving less, you can help keep your insurance rates affordable.
Compare Nissan Altima To Other Nissan Models
Looking for other Nissan model insurance costs?
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- Nissan Rogue Car Insurance
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Our Methodology
To calculate average car insurance costs, Insuranceopedia aggregated thousands of quotes from leading auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage car insurance with coverage limits of $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. However, it's important to note that the figures in this guide may differ from the rates you may receive, as your individual results will depend on factors such as your driving history, location, and other personal details.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Nissan Altima?
Yes, you will need to provide proof of insurance before you can drive your Nissan Altima out of the dealership. The best approach is to purchase a policy ahead of time and inform your insurance company that you’re about to buy the car. This way, you’ll already have coverage in place, and you won’t need to rely on the dealership’s insurance, which may not always offer the best rates or coverage options.
How Can You Get The Cheapest Insurance For Your Nissan Altima?
The best way to find the cheapest rates for your Nissan Altima is by shopping around and comparing quotes from different auto insurance companies. Fortunately, Insuranceopedia makes it easy to compare quotes from multiple providers directly on our website, so you can find the best deal for your needs and budget.
