Insurance premiums for a Nissan Altima average $155 monthly for full coverage and $80 for minimum coverage. Your specific trim and model year affect costs, ranging from $57 to $229 monthly.
Nissan Altima Insurance Cost
Updated: January 13, 2026
Key Takeaways
GEICO offers the most affordable Nissan Altima insurance, with full coverage averaging $116 monthly. Rates vary based on your model year and chosen insurer. Read more
The Altima ranks 56th out of 199 sedans for insurance affordability. While sedans aren't the cheapest vehicle type, the Altima's middle-tier placement makes it reasonably priced within its category. Read more
Your Altima's model year and driver age affect insurance rates. Teen drivers and owners of newer model years pay higher premiums than experienced drivers with older models. Read more
How Much Is Nissan Altima Insurance?
| Nissan Altima | $80 | $155 |
Looking for another Nissan model? Read more about the cost of Nissan car insurance models.
Your Nissan Altima's monthly insurance premiums can range from $58 for older models to $216 for the newest ones. Model year, or how old your car is, greatly affects insurance costs since newer Altimas have higher fair market values that cost more to replace.
Insurance costs for a Nissan Altima depend on model year and company. Full coverage goes from $116 monthly with GEICO to $293 with AIG, while minimum coverage spans $54 with GEICO to $137 with UAIC.
Nissan Altima owners should shop between insurers since minimum coverage varies by over $83 and full coverage by over $177. Each company calculates risk differently for the Altima, affecting your final quote.
| AAA | $90 | $187 |
| AIG | $118 | $293 |
| Allstate | $104 | $201 |
| Amica | $101 | $207 |
| Chubb | $111 | $219 |
| Farmers | $116 | $204 |
| Geico | $54 | $116 |
| Kemper | $78 | $156 |
| Nationwide | $89 | $154 |
| Progressive | $83 | $155 |
| State Farm | $75 | $155 |
| The Hartford | $87 | $148 |
| Travelers | $74 | $135 |
| UAIC | $137 | $171 |
Is Nissan Altima Expensive to Insure?
MoneyGeek's analysis of 199 sedans shows the Nissan Altima ranking 56th for insurance affordability, meaning 143 models cost more to insure. It's positioned between the slightly cheaper Ford Fusion and the marginally pricier Lexus CT, putting it squarely in the middle among sedans. This moderate ranking among its vehicle class doesn't tell the complete story about your potential insurance costs.
The Altima's 201st place out of 827 total vehicles actually makes it among the top 25% most affordable cars to insure overall. While sedans aren't the cheapest vehicle type, the Altima performs well compared to SUVs and sports cars, with the Saturn S-Series claiming the most affordable sedan spot and the Cadillac CTS-V commanding the highest premiums.
| Lincoln MKZ | $116 | 53 |
| Acura TL | $117 | 54 |
| Ford Fusion | $118 | 55 |
| Nissan Altima | $118 | 56 |
| Lexus CT | $118 | 57 |
| Lincoln Town Car | $118 | 58 |
| Volkswagen CC | $118 | 58 |
| Hyundai Accent | $119 | 59 |
Several factors affect what you'll pay for Nissan Altima insurance:
- Average Repair or Replacement Costs: The Altima ranks as Nissan's fifth most affordable model to maintain out of 26, with repair costs averaging just $617 annually. This relatively low maintenance expense helps keep insurance premiums more reasonable.
- Vehicle Trim, Features and Accessories: High-performance trims cost substantially more to insure due to increased horsepower capabilities. The Altima's power output ranges from 188 to 248 horsepower, depending on trim, and insurers charge higher premiums for more powerful variants.
- Driver Profile: The Altima's performance reputation attracts risk-taking behaviors that concern insurers, though most drivers are responsible adults aged 30-50. This mature demographic typically enjoys lower rates due to safer driving habits. Read more about the costs of Nissan Altimas for young drivers.
Nissan Altima Costs by Model Year and Driver Age by Insurance Company
Model year plays a major role in determining your Nissan Altima insurance costs, along with the age of drivers on your policy. A 35- to 55-year-old driver pays an average of $171 monthly for full coverage on a 2016 Altima compared to $213 for a 2025 model, showing how newer vehicles cost more to insure. Teen and early twenties drivers will face much higher premiums across all model years.
GEICO consistently offers the cheapest rates across all Altima model years and could save certain drivers hundreds monthly. Shopping between insurers gives you the best opportunity to reduce your insurance costs.
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Nissan Altima
| Geico | $58 | $126 |
| Nationwide | $77 | $134 |
| Kemper | $80 | $159 |
| Progressive | $85 | $160 |
| Travelers | $87 | $162 |
| National General | $90 | $184 |
| State Farm | $93 | $194 |
| The Hartford | $93 | $159 |
| Allstate | $114 | $219 |
| AAA | $115 | $241 |
| Farmers | $138 | $245 |
| UAIC | $139 | $177 |
| Amica | $142 | $293 |
| AIG | $160 | $413 |
| Chubb | $162 | $325 |
2025 Nissan Altima Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $607 | $554 | $510 | $432 | $365 | $239 | $221 | $206 | $195 | $175 |
| Geico | $715 | $522 | $438 | $318 | $274 | $221 | $204 | $168 | $159 | $145 |
| State Farm | $729 | $642 | $567 | $490 | $433 | $368 | $334 | $299 | $273 | $241 |
| Travelers | $952 | $691 | $547 | $423 | $373 | $276 | $253 | $233 | $216 | $186 |
| Allstate | $1,047 | $820 | $662 | $489 | $438 | $341 | $309 | $292 | $275 | $244 |
| Progressive | $1,164 | $941 | $780 | $433 | $378 | $305 | $272 | $243 | $223 | $192 |
| Farmers | $1,537 | $1,133 | $1,009 | $625 | $590 | $447 | $399 | $382 | $363 | $305 |
Cost of Car Insurance for 2024 Nissan Altima
| Geico | $58 | $127 |
| Nationwide | $78 | $135 |
| Kemper | $80 | $160 |
| Progressive | $86 | $161 |
| Travelers | $88 | $162 |
| National General | $90 | $185 |
| State Farm | $93 | $195 |
| The Hartford | $94 | $159 |
| Allstate | $114 | $220 |
| AAA | $116 | $242 |
| Farmers | $139 | $246 |
| UAIC | $140 | $178 |
| Amica | $143 | $295 |
| AIG | $161 | $415 |
| Chubb | $163 | $327 |
2024 Nissan Altima Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $611 | $557 | $513 | $434 | $368 | $240 | $222 | $208 | $196 | $176 |
| Geico | $719 | $525 | $440 | $320 | $275 | $222 | $205 | $169 | $160 | $145 |
| State Farm | $734 | $645 | $571 | $493 | $435 | $370 | $336 | $300 | $275 | $242 |
| Travelers | $957 | $695 | $550 | $425 | $375 | $278 | $254 | $235 | $217 | $187 |
| Allstate | $1,053 | $825 | $665 | $492 | $441 | $343 | $311 | $294 | $277 | $245 |
| Progressive | $1,171 | $946 | $785 | $435 | $380 | $307 | $274 | $244 | $225 | $193 |
| Farmers | $1,546 | $1,140 | $1,015 | $629 | $594 | $450 | $402 | $384 | $365 | $307 |
Cost of Car Insurance for 2023 Nissan Altima
| Geico | $47 | $103 |
| Nationwide | $63 | $109 |
| Kemper | $65 | $129 |
| Progressive | $70 | $130 |
| Travelers | $71 | $131 |
| National General | $73 | $150 |
| State Farm | $75 | $158 |
| The Hartford | $76 | $129 |
| Allstate | $92 | $178 |
| AAA | $94 | $196 |
| Farmers | $112 | $199 |
| UAIC | $113 | $144 |
| Amica | $116 | $238 |
| AIG | $130 | $336 |
| Chubb | $132 | $264 |
2023 Nissan Altima Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $494 | $451 | $415 | $351 | $297 | $194 | $180 | $168 | $159 | $142 |
| Geico | $581 | $425 | $356 | $259 | $223 | $180 | $166 | $137 | $130 | $118 |
| State Farm | $593 | $522 | $462 | $399 | $352 | $299 | $272 | $243 | $222 | $196 |
| Travelers | $774 | $563 | $445 | $344 | $304 | $225 | $205 | $190 | $175 | $151 |
| Allstate | $852 | $667 | $538 | $398 | $356 | $277 | $251 | $238 | $224 | $198 |
| Progressive | $947 | $765 | $635 | $352 | $307 | $248 | $221 | $197 | $182 | $156 |
| Farmers | $1,251 | $922 | $821 | $509 | $480 | $364 | $325 | $311 | $296 | $248 |
Cost of Car Insurance for 2022 Nissan Altima
| Geico | $44 | $97 |
| Nationwide | $59 | $103 |
| Kemper | $61 | $122 |
| Progressive | $66 | $123 |
| Travelers | $67 | $124 |
| National General | $69 | $141 |
| State Farm | $71 | $149 |
| The Hartford | $71 | $122 |
| Allstate | $87 | $168 |
| AAA | $88 | $184 |
| Farmers | $106 | $188 |
| UAIC | $107 | $136 |
| Amica | $109 | $225 |
| AIG | $123 | $317 |
| Chubb | $124 | $249 |
2022 Nissan Altima Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $466 | $425 | $391 | $331 | $280 | $183 | $170 | $158 | $150 | $134 |
| Geico | $548 | $400 | $336 | $244 | $210 | $169 | $156 | $129 | $122 | $111 |
| State Farm | $559 | $492 | $435 | $376 | $332 | $282 | $257 | $229 | $209 | $185 |
| Travelers | $730 | $530 | $420 | $324 | $286 | $212 | $194 | $179 | $165 | $143 |
| Allstate | $803 | $629 | $507 | $375 | $336 | $261 | $237 | $224 | $211 | $187 |
| Progressive | $893 | $721 | $598 | $332 | $290 | $234 | $209 | $186 | $171 | $147 |
| Farmers | $1,179 | $869 | $774 | $480 | $453 | $343 | $306 | $293 | $279 | $234 |
Cost of Car Insurance for 2021 Nissan Altima
| Geico | $41 | $89 |
| Nationwide | $55 | $95 |
| Kemper | $56 | $113 |
| Progressive | $61 | $113 |
| Travelers | $62 | $114 |
| National General | $64 | $131 |
| State Farm | $66 | $137 |
| The Hartford | $66 | $112 |
| Allstate | $81 | $155 |
| AAA | $82 | $170 |
| Farmers | $98 | $173 |
| UAIC | $99 | $126 |
| Amica | $101 | $208 |
| AIG | $114 | $293 |
| Chubb | $115 | $230 |
2021 Nissan Altima Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $430 | $393 | $361 | $306 | $259 | $169 | $157 | $146 | $138 | $124 |
| Geico | $506 | $370 | $310 | $225 | $194 | $157 | $144 | $119 | $113 | $102 |
| State Farm | $517 | $455 | $402 | $348 | $307 | $261 | $237 | $212 | $193 | $170 |
| Travelers | $674 | $490 | $388 | $300 | $264 | $196 | $179 | $165 | $153 | $132 |
| Allstate | $742 | $581 | $469 | $346 | $310 | $241 | $219 | $207 | $195 | $173 |
| Progressive | $825 | $666 | $553 | $307 | $268 | $216 | $193 | $172 | $158 | $136 |
| Farmers | $1,089 | $803 | $715 | $443 | $418 | $317 | $283 | $271 | $257 | $216 |
Cost of Car Insurance for 2020 Nissan Altima
| Geico | $59 | $129 |
| National General | $80 | $165 |
| Travelers | $85 | $157 |
| Progressive | $85 | $159 |
| State Farm | $89 | $184 |
| Kemper | $94 | $190 |
| The Hartford | $107 | $183 |
| AAA | $109 | $227 |
| Allstate | $109 | $211 |
| Nationwide | $109 | $189 |
| Amica | $124 | $255 |
| Farmers | $141 | $249 |
| AIG | $146 | $373 |
| UAIC | $149 | $187 |
| Chubb | $152 | $302 |
2020 Nissan Altima Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $693 | $610 | $539 | $465 | $411 | $350 | $318 | $284 | $259 | $228 |
| Geico | $728 | $531 | $446 | $324 | $279 | $225 | $207 | $172 | $162 | $148 |
| Nationwide | $858 | $786 | $724 | $614 | $519 | $336 | $312 | $291 | $275 | $246 |
| Travelers | $931 | $672 | $530 | $409 | $360 | $267 | $244 | $225 | $208 | $180 |
| Allstate | $1,010 | $791 | $637 | $470 | $421 | $327 | $297 | $281 | $264 | $234 |
| Progressive | $1,157 | $933 | $774 | $431 | $376 | $304 | $271 | $241 | $222 | $191 |
| Farmers | $1,565 | $1,155 | $1,028 | $634 | $598 | $453 | $405 | $387 | $368 | $310 |
Cost of Car Insurance for 2019 Nissan Altima
| Geico | $58 | $126 |
| National General | $78 | $159 |
| Travelers | $83 | $153 |
| Progressive | $83 | $156 |
| State Farm | $87 | $180 |
| Kemper | $89 | $179 |
| The Hartford | $104 | $178 |
| AAA | $106 | $219 |
| Allstate | $106 | $205 |
| Nationwide | $108 | $187 |
| Amica | $120 | $246 |
| Farmers | $135 | $240 |
| AIG | $142 | $361 |
| Chubb | $147 | $291 |
| UAIC | $147 | $185 |
2019 Nissan Altima Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $675 | $594 | $526 | $454 | $401 | $341 | $310 | $276 | $253 | $223 |
| Geico | $715 | $522 | $438 | $318 | $274 | $221 | $203 | $169 | $159 | $145 |
| Nationwide | $848 | $777 | $716 | $607 | $513 | $332 | $308 | $287 | $272 | $243 |
| Travelers | $909 | $656 | $518 | $400 | $352 | $261 | $239 | $220 | $203 | $176 |
| Allstate | $982 | $769 | $619 | $456 | $409 | $318 | $289 | $273 | $257 | $228 |
| Progressive | $1,133 | $914 | $758 | $422 | $368 | $297 | $265 | $236 | $217 | $187 |
| Farmers | $1,506 | $1,112 | $990 | $611 | $576 | $436 | $390 | $373 | $355 | $298 |
Cost of Car Insurance for 2018 Nissan Altima
| Geico | $59 | $128 |
| National General | $60 | $123 |
| Travelers | $71 | $130 |
| State Farm | $71 | $148 |
| Kemper | $81 | $165 |
| Progressive | $90 | $169 |
| AAA | $91 | $188 |
| The Hartford | $92 | $156 |
| Nationwide | $92 | $159 |
| Amica | $95 | $194 |
| Allstate | $100 | $193 |
| Chubb | $105 | $206 |
| AIG | $110 | $270 |
| Farmers | $117 | $206 |
| UAIC | $136 | $168 |
2018 Nissan Altima Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $556 | $489 | $433 | $374 | $330 | $281 | $255 | $228 | $208 | $183 |
| Nationwide | $722 | $662 | $609 | $517 | $437 | $283 | $262 | $245 | $231 | $207 |
| Geico | $723 | $527 | $442 | $321 | $277 | $223 | $206 | $170 | $161 | $146 |
| Travelers | $784 | $563 | $444 | $342 | $302 | $222 | $203 | $187 | $173 | $150 |
| Allstate | $928 | $727 | $584 | $429 | $385 | $300 | $273 | $257 | $242 | $214 |
| Progressive | $1,236 | $995 | $824 | $458 | $399 | $323 | $288 | $257 | $236 | $203 |
| Farmers | $1,276 | $949 | $845 | $527 | $497 | $379 | $337 | $323 | $307 | $257 |
Cost of Car Insurance for 2017 Nissan Altima
| Geico | $56 | $121 |
| National General | $59 | $121 |
| Travelers | $70 | $129 |
| State Farm | $71 | $147 |
| Kemper | $79 | $160 |
| Progressive | $85 | $159 |
| AAA | $88 | $181 |
| Nationwide | $88 | $152 |
| The Hartford | $88 | $151 |
| Amica | $94 | $193 |
| Allstate | $98 | $190 |
| Chubb | $102 | $201 |
| AIG | $108 | $262 |
| Farmers | $110 | $192 |
| UAIC | $134 | $166 |
2017 Nissan Altima Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $553 | $487 | $431 | $372 | $328 | $279 | $254 | $227 | $207 | $182 |
| Geico | $682 | $497 | $417 | $302 | $261 | $210 | $194 | $161 | $152 | $138 |
| Nationwide | $690 | $631 | $582 | $494 | $417 | $270 | $250 | $234 | $221 | $197 |
| Travelers | $771 | $555 | $438 | $338 | $298 | $220 | $201 | $186 | $171 | $148 |
| Allstate | $907 | $710 | $572 | $422 | $378 | $295 | $268 | $253 | $239 | $211 |
| Progressive | $1,166 | $938 | $777 | $432 | $377 | $305 | $271 | $242 | $223 | $191 |
| Farmers | $1,190 | $885 | $788 | $492 | $465 | $354 | $315 | $302 | $287 | $240 |
Cost of Car Insurance for 2016 Nissan Altima
| Geico | $55 | $118 |
| National General | $60 | $124 |
| Travelers | $72 | $131 |
| State Farm | $76 | $158 |
| Kemper | $81 | $165 |
| Progressive | $82 | $154 |
| The Hartford | $85 | $145 |
| AAA | $88 | $181 |
| Nationwide | $90 | $156 |
| Amica | $96 | $196 |
| Allstate | $103 | $197 |
| Chubb | $103 | $202 |
| AIG | $108 | $264 |
| Farmers | $116 | $203 |
| UAIC | $134 | $166 |
2016 Nissan Altima Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $594 | $523 | $462 | $399 | $353 | $300 | $272 | $243 | $222 | $196 |
| Geico | $668 | $486 | $409 | $296 | $256 | $206 | $190 | $157 | $149 | $135 |
| Nationwide | $709 | $649 | $598 | $508 | $429 | $278 | $258 | $240 | $227 | $203 |
| Travelers | $789 | $566 | $446 | $344 | $302 | $224 | $204 | $188 | $174 | $151 |
| Allstate | $955 | $749 | $599 | $438 | $393 | $307 | $278 | $263 | $247 | $219 |
| Progressive | $1,123 | $904 | $749 | $417 | $364 | $294 | $262 | $234 | $215 | $184 |
| Farmers | $1,259 | $935 | $833 | $519 | $490 | $374 | $333 | $318 | $303 | $254 |
Nissan Altima Insurance Cost by Trim
Insurance costs for your Nissan Altima range from $57 monthly for minimum coverage on basic Xe Sedan 4d models to $229 for full coverage on high-performance 3.5 Se-R Sedan 4d variants. Performance features and market value determine where your specific trim falls in this range.
| Xe Sedan 4d | $57 | $110 |
| Gxe Sedan 4d | $57 | $111 |
| Se Sedan 4d | $58 | $111 |
| Gle Sedan 4d | $65 | $124 |
| 2.5 S Sedan 4d | $76 | $146 |
| 3.5 Sr Sedan 4d | $77 | $148 |
| 3.5 Sl (2017.5) Sedan 4d | $77 | $148 |
| 2.5 S Coupe 2d | $78 | $151 |
| 2.5 Sr (2017.5) Sedan 4d | $78 | $152 |
| 2.5 Sr Sedan 4d | $79 | $153 |
| 2.5 Sv (2017.5) Sedan 4d | $79 | $153 |
| 3.5 Se Coupe 2d | $79 | $153 |
| 2.5 Sv Sedan 4d | $79 | $153 |
| 2.5 S (2017.5) Sedan 4d | $79 | $153 |
| 2.5 Sl Sedan 4d | $80 | $155 |
| 2.5 Sedan 4d | $81 | $155 |
| Hybrid Sedan 4d | $81 | $156 |
| 2.5 S | $81 | $159 |
| 3.5 Se Sedan 4d | $83 | $159 |
| 3.5 S Sedan 4d | $83 | $160 |
| 3.5 Sv Sedan 4d | $83 | $160 |
| 2.5 Platinum Sedan 4d | $83 | $161 |
| 2.5 Sv | $83 | $162 |
| Vc-T Sr Sedan 4d | $83 | $162 |
| 2.5 Sl (2017.5) Sedan 4d | $83 | $161 |
| 3.5 Sr Coupe 2d | $83 | $161 |
| Vc-T Edition One Sedan 4d | $87 | $169 |
| 2.5 Sr | $87 | $170 |
| 3.5 Sl Sedan 4d | $88 | $169 |
| Vc-T Platinum Sedan 4d | $95 | $184 |
| 2.5 Sl | $101 | $197 |
| Vc-T Sr | $107 | $209 |
| 3.5 Se-R Sedan 4d | $119 | $229 |
Nissan Altima Insurance Cost by State
Nissan Altima insurance costs range from just $29 monthly in Wyoming to $161 in Louisiana for minimum coverage. Your state's risk factors and insurance regulations create these differences, not the vehicle itself.
| Alabama | $70 | $131 |
| Alaska | $57 | $122 |
| Arizona | $96 | $180 |
| Arkansas | $64 | $144 |
| California | $75 | $152 |
| Colorado | $76 | $183 |
| Connecticut | $111 | $191 |
| Delaware | $117 | $195 |
| Florida | $109 | $253 |
| Georgia | $123 | $202 |
| Hawaii | $42 | $94 |
| Idaho | $44 | $89 |
| Illinois | $72 | $134 |
| Indiana | $52 | $101 |
| Iowa | $44 | $105 |
| Kansas | $56 | $131 |
| Kentucky | $99 | $168 |
| Louisiana | $161 | $343 |
| Maine | $41 | $85 |
| Maryland | $127 | $215 |
| Massachusetts | $83 | $175 |
| Michigan | $123 | $235 |
| Minnesota | $65 | $135 |
| Mississippi | $68 | $134 |
| Missouri | $89 | $177 |
| Montana | $54 | $127 |
| Nebraska | $58 | $132 |
| Nevada | $146 | $264 |
| New Hampshire | $55 | $98 |
| New Jersey | $133 | $219 |
| New Mexico | $64 | $144 |
| New York | $101 | $181 |
| North Carolina | $65 | $128 |
| North Dakota | $46 | $100 |
| Ohio | $61 | $118 |
| Oklahoma | $74 | $164 |
| Oregon | $99 | $172 |
| Pennsylvania | $67 | $159 |
| Rhode Island | $98 | $176 |
| South Carolina | $81 | $151 |
| South Dakota | $41 | $126 |
| Tennessee | $62 | $125 |
| Texas | $100 | $205 |
| Utah | $86 | $146 |
| Vermont | $35 | $84 |
| Virginia | $75 | $122 |
| Washington | $75 | $139 |
| West Virginia | $68 | $138 |
| Wisconsin | $51 | $112 |
| Wyoming | $29 | $91 |
How to Lower the Cost of Nissan Altima Insurance
Here are proven strategies to help you find affordable Nissan Altima insurance rates:
- 1Choose the right coverage
You'll need to figure out how much coverage to buy for your Nissan Altima based on your ownership situation. If you own your vehicle, get your state's minimum liability requirements plus comprehensive and collision with a $1,000 deductible to lower premiums. For enhanced protection, consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by researching average auto insurance costs for midsize sedans in your area. This benchmark assists with finding the cheapest car insurance companies that offer competitive rates. Understanding typical pricing helps you identify genuine deals versus inflated quotes when shopping for coverage.
- 3Look for more than just low rates
Finding quality car insurance means evaluating insurers beyond their price quotes. Check J.D. Power satisfaction ratings, examine forum discussions about claims processing, review Better Business Bureau complaints and confirm AM Best financial stability ratings. Budget insurers might provide limited coverage options or slower customer service when you need assistance most.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your specific situation and driving profile. Nissan Altima owners typically qualify for safety features discounts, good driver discounts, multi-vehicle discounts and bundling savings. Additional discounts may include defensive driving course completion, military service, student achievements or professional association memberships that reduce your overall premium costs.
- 5Consider alternative car insurance types
Nissan Altima owners might benefit from exploring usage-based insurance programs like Progressive Snapshot or Allstate Drivewise. These telematics options track your driving habits, including speed, braking patterns and mileage, then offer premium reductions for safe driving behaviors. Low-mileage drivers often see the most significant savings through these monitoring programs.
- 6Check rates every year
Obtain car insurance quotes from multiple companies annually to ensure you're getting competitive pricing. Your current insurer doesn't notify you when competitors lower their rates, so regular comparisons could save up to 24% on your Nissan Altima insurance. Market conditions, your driving record and company pricing strategies change frequently, making annual reviews essential for maintaining affordable coverage.
Nissan Altima Insurance Cost: Bottom Line
Nissan Altima insurance costs less than average, making it an affordable choice to insure. You'll secure even better rates by comparing quotes from multiple insurers and maximizing available discounts.
Nissan Altima Insurance Rates: FAQ
What is the average cost of car insurance for a Nissan Altima?
Nissan Altima insurance costs $966 annually for state minimum coverage and $1,865 for full coverage. These rates make the Altima relatively affordable to insure compared to other vehicles.
What company has the cheapest car insurance for a Nissan Altima?
GEICO provides the most affordable minimum coverage for a Nissan Altima at $646 annually. The company also offers the best value for full coverage at $1,397 per year.
Are Nissan Altimas expensive to insure?
No, Nissan Altima insurance is not expensive compared to most vehicles. The Altima ranks 201st out of 827 vehicles for affordability, placing it in the more budget-friendly category. Among sedans specifically, it sits at 56th out of 199 models.
What factors affect insurance costs for Nissan Altimas?
Multiple factors affect your Nissan Altima insurance rates. The model benefits from affordable repair costs due to common parts availability and strong safety ratings that help reduce premiums. However, your personal driving record, credit score, and coverage selections ultimately play the biggest role in determining your final rate.
How can I lower Nissan Altima insurance costs?
Compare quotes from several insurers since Nissan Altima pricing differs between companies, and explore usage-based programs that monitor safe driving. Claim available discounts, bundle policies and keep your driving record clean to secure better rates.
How We Determined Nissan Altima Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025 to determine the most accurate Nissan Altima insurance costs.
Who We Based These Rates On
These Nissan Altima prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.