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: September 25, 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 generally 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 dramatically 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 according to our analysis.
| 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 |
Compare Personalized Nissan Altima Insurance Costs
We analyzed Nissan Altima insurance costs by model year and trim for personalized rate estimates.
Data filtered by:Results filtered by:
Select
Model Year:2000
Select
Trim:Xe Sedan 4d
| Xe Sedan 4d | $55 | $106 |
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.
| 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 |
Nissan Altima Insurance Cost by State
Nissan Altima insurance costs vary dramatically 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 dramatically 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
Several factors influence what you'll pay for Nissan Altima insurance coverage:
- 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 due to 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 contributing to lower overall operating expenses that insurance companies factor into rates.
Location
Nissan Altima owners are distributed across diverse geographic areas. The vehicle is highly 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:
Cheapest Nissan Altima Insurance Companies
GEICO offers the most affordable Altima car insurance options across coverage levels. For full coverage protection, GEICO provides the cheapest rates at $116 monthly for Altima drivers. Minimum coverage policies through GEICO cost just $54 per month, making it the top choice for budget-conscious Altima owners seeking basic protection.
| GEICO | $54 | $116 |
| Travelers | $74 | $135 |
| State Farm | $75 | $155 |
| Kemper | $78 | $156 |
| The Hartford | $87 | $148 |
Cheapest Nissan Altima Insurance by State
We found that the following are the top three cheapest car insurance providers in the state for a Nissan Altima:
- GEICO: Wins for affordability in 19 states
- Auto-Owners: Wins for affordability in six states
- Travelers: Wins for affordability in six states
You can filter to see who offers the most affordable auto insurance rates for your Nissan Altima.
Data filtered by:Results filtered by:
Select
State:Alabama
| Alabama | Cincinnati Insurance | $37 |
How to Get the Best Cheap Nissan Altima Insurance
Below we break down the best way to buy car insurance for your Nissan Altima:
- 1
Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Nissan's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2
Research costs and cheap companies
Researching average auto insurance costs for your car will help you understand how much you're saving currently and what you could save with another provider. You can then look for the cheapest car insurance companies.
- 3
Look for more than just low rates
To get the most 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 low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4
Explore discounts you qualify for
Finding car insurance discounts you'll likely qualify for will go a long way in ensuring you get the cheapest rate possible. The five discounts below are the most likely we found that Nissan Altima owners will qualify for:
- Multi-Car/Multi-Vehicle Discount (15% to 25% savings): Nissan Altima owners often represent practical families who own multiple vehicles for different purposes. With full coverage averaging $1,478 per year, multi-car discounts from virtually all insurers become valuable for managing costs while maintaining reliable transportation.
- Bundling/Multi-Policy Discount (5% to 25% savings): Altima buyers' responsible approach to vehicle ownership (choosing reliable, affordable midsize sedans) often extends to homeownership. Many can bundle auto and homeowners insurance for substantial savings from major carriers, with Farmers offering up to 18 different discount opportunities.
- Good Driver/Safe Driver Discount (5% to 30% savings): Altima owners typically represent a mature, responsible demographic with clean driving records that qualify them for the largest available discounts. Since this is the biggest discount you can get, maintaining an accident-free record is essential for keeping rates low.
- Safety Features Discount (5% to 23% savings): The Nissan Altima has a 5-star NHTSA safety rating and includes available advanced safety features like ProPILOT Assist, Intelligent Around View Monitor, and Intelligent Forward Collision Warning. These technologies help you avoid accidents and can earn discounts on medical-related coverage.
- Good Student Discount (10% to 15% savings): The Altima's combination of affordability, reliability, and fuel efficiency makes it popular with college students and young adults whose parents choose practical vehicles. Students maintaining a "B" average or better can qualify for substantial discounts that often last until age 25.
- 5
Consider alternative car insurance types
Nissan Altima owners should consider Nissan Insurance (where available) for vehicle-specific coverage and competitive rates, or usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6
Check rates every year
Comparing car insurance quotes from multiple sources can save you on your Nissan Altima insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
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?
Several things drive up your Nissan Altima rates. Your driving record and credit score, plus the coverage you pick, play a big role. Locations with higher theft rates or weather risks can 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
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you 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. 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.