Nissan Altima insurance costs average $80 per month for minimum coverage and $155 monthly for full coverage. Depending on your particular trim and model year, costs can range from $53 to $260 monthly.
Nissan Altima Insurance Cost
Updated: November 15, 2025
Key Takeaways
Nissan Altima insurance costs vary widely from $89 to $260 monthly, with rates depending heavily on your specific trim level and model year selection.
The Altima ranks 201st for insurance affordability among all 827 vehicle models available in the U.S. market from 2000 through 2025.
GEICO provides the most affordable full coverage for Nissan Altima drivers at $116 monthly, while minimum coverage starts at just $54 per month.
How Much Is Nissan Altima Insurance?
| Nissan Altima | $80 | $155 |
Nissan Altima Insurance Cost by Model Year
Your Nissan Altima's model year and available trims affect insurance rates, with newer models costing more due to higher fair value. Monthly premiums vary widely, starting as low as $58 for older models and reaching up to $216 for certain years.
| 2025 | $90 | $175 |
| 2024 | $91 | $177 |
| 2023 | $73 | $143 |
| 2022 | $69 | $135 |
| 2021 | $64 | $124 |
| 2020 | $92 | $178 |
| 2019 | $89 | $173 |
| 2018 | $81 | $157 |
| 2017 | $78 | $151 |
| 2016 | $80 | $154 |
| 2015 | $82 | $159 |
| 2014 | $82 | $159 |
| 2013 | $81 | $157 |
| 2012 | $77 | $148 |
| 2011 | $82 | $158 |
| 2010 | $79 | $152 |
| 2009 | $77 | $149 |
| 2008 | $77 | $149 |
| 2007 | $75 | $145 |
| 2006 | $113 | $216 |
| 2005 | $91 | $174 |
| 2004 | $89 | $170 |
| 2003 | $80 | $155 |
| 2002 | $73 | $140 |
| 2001 | $60 | $116 |
| 2000 | $58 | $112 |
Nissan Altima Insurance Cost by Trim
Your Nissan Altima's trim level affects insurance costs based on features, performance capabilities and market value. Monthly premiums range from $57 for basic trims like the Xe to $229 for high-performance models like the 3.5 Se-R.
| 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 Company
Nissan Altima insurance costs vary by provider from $85 to $205 monthly. Minimum coverage ranges from $54 to $137, while full coverage costs $116 to $293. Rates vary due to different risk assessment models.
| GEICO | $54 | $116 |
| Travelers | $74 | $135 |
| State Farm | $75 | $155 |
| Kemper | $78 | $156 |
| Progressive | $83 | $155 |
| The Hartford | $87 | $148 |
| Nationwide | $89 | $154 |
| AAA | $90 | $187 |
| Amica | $101 | $207 |
| Allstate | $104 | $201 |
| Chubb | $111 | $219 |
| Farmers | $116 | $204 |
| AIG | $118 | $293 |
| UAIC | $137 | $171 |
Nissan Altima Insurance Cost by State
Nissan Altima insurance costs vary by location, ranging from $60 monthly in Wyoming to $252 in Louisiana.
| 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 |
Nissan Altima Insurance Cost by Driver Profile
Your age and driving history impact Nissan Altima insurance costs. Monthly premiums can reach $299 if you're a young driver under 25, even with a clean record. Adult drivers between 26-64 with no violations pay as little as $118 monthly for the same coverage.
| Adult Drivers | $80 | $155 |
| Young Drivers | $205 | $393 |
| Senior Drivers | $107 | $197 |
| Drivers With a Speeding Ticket | $100 | $195 |
| Drivers With an Accident | $118 | $227 |
| Drivers With a DUI | $147 | $281 |
| Drivers With Bad Credit | $191 | $384 |
Is a Nissan Altima Expensive to Insure?
Compared to the rest of the models on the U.S. market, a Nissan Altima ranks 201st out of 827, making it a moderately expensive car to insure. Among midsize sedans, the model ranks around the mid-range compared to similar models.
| Saturn S-Series | $47 | $90 |
| Dodge Stratus | $52 | $100 |
| Saab 9-5 | $53 | $103 |
| Saturn L-Series | $56 | $107 |
| Pontiac Grand Am | $59 | $113 |
| Mercury Milan | $62 | $118 |
| Mercury Sable | $64 | $122 |
| Suzuki Verona | $68 | $130 |
| Chrysler Sebring | $68 | $130 |
| Saab 9-3 | $68 | $131 |
| Mercury Montego | $71 | $137 |
| Pontiac Grand Prix | $73 | $140 |
| Pontiac G6 | $75 | $144 |
| Mitsubishi Galant | $76 | $146 |
| Chevrolet Malibu | $78 | $151 |
| Ford Fusion | $80 | $155 |
| Nissan Altima | $80 | $155 |
| Volkswagen CC | $81 | $156 |
| Nissan Maxima | $82 | $159 |
| Volkswagen Passat | $83 | $159 |
| Hyundai Azera | $84 | $162 |
| Honda Clarity | $85 | $164 |
| Dodge Magnum | $85 | $164 |
| Subaru Legacy | $85 | $165 |
| Honda Accord | $86 | $166 |
| Chrysler 200 | $86 | $166 |
| Mazda 6 | $86 | $167 |
| Dodge Avenger | $87 | $168 |
| Kia Optima | $89 | $172 |
| Toyota Camry | $90 | $175 |
| Hyundai Sonata | $96 | $186 |
| Hyundai Ioniq 6 | $96 | $187 |
| Kia K5 | $99 | $193 |
| Toyota Crown | $108 | $210 |
| Kia Stinger | $121 | $235 |
| Toyota Mirai | $140 | $273 |
| Lucid Air | $160 | $314 |
Factors That Affect Nissan Car Insurance Costs
Multiple factors determine what you pay for Nissan Altima insurance:
- Age (25 to 40 median): Younger buyers receive moderate rates with some age-related premium increases.
- Gender (58% male): Male ownership correlates with slightly higher risk-taking behaviors.
- Income ($74,032 median): Middle-income bracket enables moderate coverage options, though price sensitivity drives value-focused purchasing.
Average Repair or Replacement Costs
Nissan ranks 9th in repair affordability among 59 U.S. automakers with median annual costs of $687. Nissan Altima repair costs average $617 annually, making it one of the most affordable Nissans to repair.
Vehicle Trim, Features and Accessories
The Nissan Altima's five trim levels (S, SV, SR, SL, and SR VC-Turbo) offer varying feature sets that affect insurance premiums. Higher trims like the SL include premium features such as leather seating, advanced safety tech and navigation systems.
The performance-focused SR VC-Turbo, with its turbocharged engine (248 hp), costs more to insure because of its increased performance capabilities and higher replacement values.
Fuel Type
Nissan Altimas run on regular unleaded gasoline with 87 octane rating, making them cost-effective to fuel. Unlike premium fuel vehicles, Altima owners benefit from lower fuel costs and widespread availability.
Standard 2.5L engines achieve up to 32 combined MPG, while the VC-Turbo engine delivers 31 combined MPG. Both contribute to lower overall operating expenses that insurance companies factor into rates.
Location
Nissan Altima owners are distributed across diverse geographic areas. The vehicle is popular in urban and suburban markets. It appeals to multicultural consumers, ranking as the top-selling vehicle among African American consumers and showing strong growth in Hispanic/Latino markets.
Regional insurance rates vary based on local claim frequencies, weather patterns and traffic conditions affecting repair costs.
Driver Profile
Most Nissan Altima drivers are younger, price-conscious buyers (25 to 40 years) with a median household income of $74,032. This demographic receives moderate rates due to balanced risk factors.
Driver demographics affect Nissan Altima rates:
How to Lower the Cost of Nissan Altima Insurance
Here's the best way to buy car insurance for your Nissan Altima:
- 1Choose the right coverage
How much coverage to buy on your Nissan depends on what the car is worth, how often you drive and what you can realistically budget for. You can stick with minimum liability and a $1,000 deductible or upgrade to 100/300/100 with a $500 deductible, and lenders may require gap insurance if you are financing or leasing.
- 2Research costs and cheap companies
Research average auto insurance costs for your car to understand how much you're saving and what you could save with another provider. Then look for the cheapest car insurance companies.
- 3Look for more than just low rates
To get balanced car insurance for your Nissan Altima, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records, and AM Best financial strength ratings while comparing coverage limits and deductibles.
Some cheap insurers process claims slowly or offer skimpy coverage options that leave you underinsured after an accident.
- 4Explore discounts you qualify for
Nissan Altima owners can cut their premiums by tapping into discounts tied to multi-vehicle households, bundled policies, clean driving records, advanced safety tech and good student eligibility. Since many Altima drivers are practical families, responsible commuters and college-age students, these savings stack easily and can noticeably lower overall insurance costs.
- 5Consider alternative car insurance types
Nissan Altima owners should try Nissan Insurance (where available) for vehicle-specific coverage and competitive rates, or usage-based insurance programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6Check rates every year
Comparing car insurance quotes from multiple sources cuts your Nissan Altima insurance by up to 24%. Your best deal today won't exist next year, so compare rates annually.
Nissan Altima Insurance Cost: Bottom Line
Insuring a Nissan Altima costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Nissan Altima Insurance Rates: FAQ
Here are answers to common questions about insuring a Nissan Altima.
What is the average cost of car insurance for a Nissan Altima?
The Nissan Altima's average annual insurance cost is $966 yearly for minimum coverage and $1,865 for full coverage
What company has the cheapest car insurance for a Nissan Altima?
The cheapest provider for Nissan Altima insurance is GEICO for both full and minimum coverage, with average rates of $54 and $116 monthly.
Are Nissan Altimas expensive to insure?
Nissan Altima insurance costs more than most cars. Out of 827 vehicles we track, the Altima ranks 201st for affordability. For mid-sized sedans, the model is about average compared to similar models.
What factors affect insurance costs for Nissan Altimas?
Your driving record and credit score, plus the coverage you pick, affect your Nissan Altima rates. Locations with higher theft rates or weather risks also see higher rates.
How can I lower Nissan Altima insurance costs?
Shop around with multiple insurers as rates vary for Nissans, and consider usage-based insurance programs that track your driving habits. Take advantage of Nissan's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Nissan Altima Insurance Costs
Nissan Altima owners range from young professionals to families prioritizing fuel efficiency and reliability. We built our research to capture real-world insurance costs across all trim levels and model years from 2000 to 2025.
Our research approach: We analyzed hundreds of millions of quote estimates across all U.S. models to find accurate Nissan Altima insurance costs. We collected rates for both minimum coverage (state-required liability limits) and full coverage (100/300/100 liability plus comprehensive/collision with $1,000 deductibles).
Why this profile matters for Altima owners: We used a 40-year-old unmarried male (representing the median Altima buyer) with a clean driving record (no tickets or crashes that increase rates), a good credit score (what most approved buyers have), no insurance claims history (avoiding surcharges from past claims), driving 12,000 miles yearly (typical for daily commuters) and a valid driver's license with no suspensions. This profile represents a stable Altima owner without the rate increases from violations or credit issues that affect many drivers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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.