Nissan Altima Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Nissan Altima costs more than most other cars to insure.

• Full coverage insurance for an Altima averages about $194 a month, on average, while liability only insurance generally comes in at around $99.

• ACG provides the cheapest average premiums for an Altima with liability only coverage offered for sometimes as cheap as $28 monthly.

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Altima Overview

With base prices starting at just $24,300 for new 2021 models, the Nissan Altima is a great car for drivers on a budget. There are five different trim levels currently offered, so there's an option for every driver.

After analyzing thousands of auto insurance quotes through Compare.com, we've found that Nissan Altima car insurance premiums are about $200 per month, on average. But how does that compare to other cars on the market?

How Much is Car Insurance for a Nissan Altima?

If you look at the table above, you'll find that Nissan Altima insurance prices are higher than average. On average, Altima drivers will pay around $194 monthly for full coverage, which has comprehensive and collision coverages in addition to liability, and about $99 a month for liability only insurance (check out our guide, "State Minimum vs. Full Coverage", to learn more about the difference between these types of insurance).

When you compare it to other models, the Altima is slightly more expensive, with rates more than 5% higher than other vehicles in Nissan's lineup. Compared to offerings from other brands, auto insurance for an Altima is similarly on the expensive side, with liability only insurance prices coming in about $16 more and $17 more for full coverage.

When compared to all vehicles, regardless of model, make, or body style, the Altima follows a similar pattern of having above average car insurance rates.

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Who has the Cheapest Car Insurance for a Nissan Altima?

Are you looking for a car insurance policy for your Nissan Altima? You most likely want to know which carrier offers the cheapest rates. Even though costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $28 per month from ACG. The next most affordable company is Ohio Mutual, who offers insurance as cheap as just $32 monthly.

The third, fourth, and fifth companies on the list are CaliforniaCasualty, StateAuto, and Hugo. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Car insurance companies use a range of different factors and complex formulas to calculate rates. Because every driver is different, there's only one way to ensure you get the lowest prices, and that's by getting personalized quotes and comparing rates from a whole range of car insurance carriers.

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What Factors Affect Car Insurance Rates for a Nissan Altima?

There are many attributes that auto insurance companies look at to calculate how much they charge for insurance -- and every carrier uses a different formula, so there's not one single company that's the most affordable for each driver.

Keep reading to learn which variables car insurance carriers look at and how they affect your final rate:

Vehicle Age

The Nissan Altima has been around for a while -- that means vehicle age will likely play a role in what you end up paying for insurance. Normally, older cars will be cheaper to insure because they're worth less than newer models, and as time goes on and Altimas begin to depreciate, insurance costs will gradually get lower.

As you can see in the information above, the Nissan Altima is in line with this trend, as the cheapest models to insure are those that are 15 years old or more, while on average, the most expensive models are Altimas that are 2 to 3 years old.

Your Age

How old you are plays a big role in how much auto insurance companies will charge you for insurance. In the table above, you'll see that drivers with more experience pay less compared to the youngest Altima drivers. Nissan Altima drivers under 18 actually pay more than twice as much as those 25 or older.

Insurance prices continue to decrease as you get older, with the cheapest age group for Altima drivers being 55-64.

Your Gender

Because women are less likely to get tickets and get into accidents, they have a decreased chance of filing a claim with insurance. So, insurance carriers will tend to charge women less than men. When it comes to Altima drivers specifically, women pay around $12 less than men a month for car insurance.

Where You Live

You may already know that things such as what vehicle you drive and how old you are play a role in your auto insurance premiums, but you may not realize that where you live can be just as important. Because car insurance is regulated at the state level, prices differ quite a bit from state to state.

For example, the average Nissan Altima owner from New York pays about $231 per month for liability coverage, while the same Californian driver will pay less than 50% of that price, on average. The chart shows average premiums for the top 10 most populous states, just to give you a good idea of how much rates can change depending on where you live.

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Nissan Altima Car Insurance Discounts

Whatever your age, your home state, or your car, it's always the smart move to take advantage of as many auto insurance discounts as possible when shopping around for a policy.

While no two insurance companies offer the same exact discounts, there are a few that you'll find with most insurers. These include discounts like:

• Defensive driving discounts for drivers who take a defensive driving class through a certified school or institution
• Multi-car discounts for adding more than one vehicle to your auto policy
• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like anti-lock brakes or air bags)
• Multi-policy discounts for getting both your home and auto policies from the same carrier

These discounts are great, but sometimes, the best way to save isn't through a "discount" at all, but rather by not having recent insurance claims and maintaining a clean driving record.

Although you can't control every single aspect of your car insurance profile (like some of the factors we mentioned above), there is quite a bit of it that you can influence. Below are just a few of the variables you can use in your favor when it comes to saving cash:

Your Driving Record

It's no secret that insurance carriers offer the lowest prices to drivers with clean records. It shouldn't come as a surprise that your auto insurance premiums will get higher if you get cited for speeding or get into an accident. But exactly how much is it going to cost you for these infractions?

As you can tell from the table above, accidents will usually cost Altima drivers more than tickets, but both will cause a significant increase in rates. Nissan Altima drivers with one accident on their record pay an average of $121 a month (up $22 from the $99/mo. overall average), while drivers with a single ticket will pay about $110 monthly. The rates only increase the more collisions you have or tickets you get.

How Much You Drive

The amount of miles you drive plays a role when it comes to your insurance rates. Those who are on the roads less are more likely to go accident-free, so they'll typically end up paying less for auto insurance. In the table above, you can see that Nissan Altima owners who drive fewer than 2,500 miles each year pay about $93 per month for car insurance, while those who put 10,000 miles or more on their cars pay $95.

If you drive a limited amount, you might consider choosing a usage-based or pay-per-mile insurance policy. With these kinds of coverage, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do Nissan Altimas Compare to Other Vehicles?

If you're considering making a Nissan Altima your next car, you're probably wondering how it compares to other vehicles. Auto insurance is just one cost that comes with a new car purchase, but it's certainly one that's worth thinking about carefully.

Review the table below to see how the Nissan Altima stacks up:

As you can see, a Nissan Altima is a great value when it comes to overall price tag. The Altima comes in at $24,300, which is much cheaper than the national average vehicle price of $46,179.

Unlike the Altima's lower price, car insurance prices run above average when compared to other vehicles on the market. Full coverage insurance for a Nissan Altima is around $46 per month more than average, while liability only coverage is $10 higher a month.

When it comes to usage, Nissan Altima drivers are near the national average in annual miles driven, with 11,660 miles every year for all vehicles compared to the Altima's 12,558 per year.

Nissan Altima Car Insurance Costs by Model Year

So far, you've seen how different factors have an impact on what you'll pay for auto insurance. But if you're considering buying a new Altima, having a good idea of how much you'll likely pay can be extremely helpful as you weigh your options and compare it to other vehicles on your shortlist.

So we've done the heavy lifting and analyzed Nissan Altima insurance premiums by model year. Simply find the model year you want in the dropdown to see average rates for both full coverage and liability only options, as well as some other helpful info, like which trim levels are offered, who offers the cheapest policies, and the base MSRP for each year the Altima has been around.

Choose Your Model

2021 Nissan Altima Car Insurance 2020 Nissan Altima Car Insurance 2019 Nissan Altima Car Insurance 2018 Nissan Altima Car Insurance 2017 Nissan Altima Car Insurance 2016 Nissan Altima Car Insurance 2015 Nissan Altima Car Insurance 2014 Nissan Altima Car Insurance 2013 Nissan Altima Car Insurance 2012 Nissan Altima Car Insurance 2011 Nissan Altima Car Insurance 2010 Nissan Altima Car Insurance 2009 Nissan Altima Car Insurance

2021 Nissan Altima Car Insurance

If you're in the market for a brand new Nissan Altima, there are plenty of options to choose from. With five different trim levels to pick from, there's surely a style for everyone.

It costs about $91 monthly, on average, to insure a 2021 Nissan Altima for liability only and $215 per month for full coverage. And if you want the most affordable insurance possible, Aspire offers liability only policies for as little as just $24 a month.

While it's great to know the average price drivers pay for insurance, a personalized quote is the only way to find out exactly how much you'll pay. With Compare.com, you can gather multiple quotes at once, all for free. Simply enter your ZIP code below, answer a few questions, and you'll be unlocking your best rates in minutes.

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2020 Nissan Altima Car Insurance

If you're looking to buy a 2020 Altima or already own one, you can expect an average car insurance price of around $256 for full coverage or $115 for a liability only policy.

And if you're just looking for the cheapest auto insurance for your Altima, DirectGeneral offers liability only policies for as little as $20 monthly.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2019 Nissan Altima Car Insurance

You can expect full coverage for a 2019 Altima to run about $258 per month, while liability only coverage will average around $125 a month.

Aspire has rates as low as $20 monthly for the 2019 Nissan Altima.

While these are good estimates of what the average driver might pay to insure a 2019 Nissan Altima, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2018 Nissan Altima Car Insurance

On average, drivers who own a 2018 Nissan Altima can expect to pay $115 to $226 a month for liability only and full coverage insurance, respectively.

Looking for the lowest policy? MetLife offered liability only coverage for sometimes as low as $19 per month.

Want to know exactly how much you'll pay? Get lots of personalized quotes for free by just entering your ZIP code below.

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2017 Nissan Altima Car Insurance

It costs about $114 a month for liability or $211 for a full coverage policy for the 2017 Altima.

With rates sometimes as little as $17 per month, Hugo offered the most affordable policy we found for the 2017 Nissan Altima.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2016 Nissan Altima Car Insurance

2016 Nissan Altima drivers can expect to pay an average of $108 monthly for liability or $202 for full coverage.

We found Hugo offered the cheapest policy, with rates as low as just $20 per month.

Interested in what your car insurance premium could look like? Get a variety of free customized quotes by just entering your ZIP code below.

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2015 Nissan Altima Car Insurance

The average cost to insure a 2015 Altima with liability only coverage is $99 a month, while full coverage runs around $188 monthly.

With premiums as cheap as $16 per month, Dairyland offered the lowest policy we found.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2014 Nissan Altima Car Insurance

It costs about $104 monthly for liability or $184 for a full coverage policy for the 2014 Nissan Altima.

If you're looking for the cheapest possible 2014 Nissan Altima insurance policy, Shelter Mutual offered the most affordable policy we found, with rates sometimes as little as $18 a month.

While these are good estimates of what the average driver might pay to insure a 2014 Nissan Altima, these rates might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2013 Nissan Altima Car Insurance

On average, drivers who own a 2013 Altima can expect to pay $100 to $191 monthly for liability only and full coverage auto insurance, respectively.

StateAuto offered the cheapest policy we found, with rates as low as just $17 per month.

Interested in exactly how much you'll pay? All you need to do is enter your ZIP code below and you'll be on your way to comparing numerous personalized quotes from the nation's top insurance companies.

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2012 Nissan Altima Car Insurance

The average cost to insure a 2012 Nissan Altima with liability only coverage is $96 a month, while full coverage runs around $189 per month.

CSAA has premiums as little as $17 a month for the 2012 Nissan Altima.

If you want to know exactly how much you can expect to pay for your Altima, just enter your ZIP code below and get several free quotes in minutes.

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2011 Nissan Altima Car Insurance

2011 Altima drivers can expect to pay an average of $101 monthly for liability or $186 for full coverage.

With prices as cheap as just $17 per month, Liberty Mutual offered the lowest policy we found.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2010 Nissan Altima Car Insurance

You can expect full coverage for a 2010 Nissan Altima to run about $182 monthly, while liability only coverage will average around $99 a month.

MetLife offered the most affordable policy we found, with rates as low as $16 monthly.

Want to know just how much you'll pay? Enter your ZIP code below to get several free personalized quotes.

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2009 Nissan Altima Car Insurance

On average, drivers who own a 2009 Altima can expect to pay $99 to $183 a month for liability only and full coverage insurance, respectively.

If you're looking for the lowest possible 2009 Nissan Altima insurance policy, Shelter Mutual offered the lowest policy we found, with rates sometimes as cheap as $17 per month.

If you want to know just how much your rate will be, just enter your ZIP code below and get several free quotes in minutes.

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Nissan Altima Insurance FAQs

Is a Nissan Altima expensive to insure?

Liability insurance runs an average of $99 monthly, while full coverage will cost you around $194. Compared to the national average of all cars, premiums come in on the more expensive end of the spectrum.

How can I get the best price on car insurance for my Nissan Altima?

There's only one way to make sure you're getting the cheapest rates -- checking prices regularly and comparing quotes from an array of carriers. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from lots of companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Nissan Altima affect my insurance prices?

You've probably heard that it is more expensive to insure red cars that silver or white vehicles, but that's actually not the case. Although there are many things auto insurance carriers think about when they decide how much your policy will be, your Altima's color is not factored into that decision.

Do I need to have insurance before I buy a Nissan Altima?

Before you can legally drive your new (or new to you) Nissan Altima off the dealership lot, you'll need to have an auto insurance policy in place. Some dealerships will offer you a car insurance policy as part of the buying process, but your best bet is letting your car insurance company know before you buy.

What car insurance discounts can I get for my Nissan Altima?

You will find a variety of discounts out there when it comes to auto insurance. Many of them (like "pay-in-full discounts" and "multi-vehicle discounts") are based less on your car and more on you, but if your Altima has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may be eligible for certain discounts. You'll only know about which discounts you qualify for if you get in touch with your insurance carrier and ask about which discounts they offer.