Nissan Altima Insurance Cost

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.

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.

The Nissan Altima ranks 56th out of 199 sedans for insurance affordability in MoneyGeek's analysis; 143 sedans cost more to insure. It sits just above the Ford Fusion and just below the Lexus CT, landing solidly in the middle of its class. That ranking alone won't tell you what you'll actually pay.

Across all 827 vehicles in our dataset, the Altima ranks 201st, placing it in the top 25% for affordability. Sedans aren't the cheapest vehicle category, but the Altima holds up well against SUVs and sports cars. The Saturn S-Series is the most affordable sedan in the group; the Cadillac CTS-V carries the highest premiums.

Several factors affect what you'll pay for Nissan Altima insurance:

• Average Repair or Replacement Costs: The Altima ranks fifth among Nissan's 26 models for affordability of maintenance, with repair costs averaging $617 per year. Lower maintenance costs generally translate to lower premiums.
• Vehicle Trim, Features and Accessories: Higher-performance trims cost more to insure because of increased horsepower. The Altima's output ranges from 188 to 248 horsepower depending on trim, and insurers charge more for the more powerful variants.
• Driver Profile: Most Altima drivers are responsible adults between 30 and 50, a demographic that typically pays lower rates because of safer driving records. Read more about the costs of Nissan Altimas for young drivers.

The Camry and Altima are the two most popular midsize sedans in the U.S., and if you're shopping in this class without a brand preference, you're likely weighing exactly these two. 

The Altima consistently wins on insurance — and by a meaningful margin. For full coverage, the 2025 Altima costs $31 less per month to insure than the 2025 Camry, adding up to $372 a year. The pattern holds on used models, too — a 2021 Altima runs $34 less per month than a 2021 Camry.

The tradeoff is resale value and fuel economy. A 2021 Camry is worth about $3,300 more than a comparable Altima, and the 2025 Camry's standard hybrid drivetrain gets 51 mpg versus the Altima's 32 — a difference that can outpace the insurance savings at the pump. 

When you factor all of that in, both cars cost roughly the same to own as a percentage of what they're worth. The Altima is the better pick if you're minimizing monthly costs upfront. The Camry makes more sense if you're thinking about fuel, resale value, and the full picture of ownership.

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.

• 2025 Nissan Altima Insurance Rates
• 2024 Nissan Altima Insurance Rates
• 2023 Nissan Altima Insurance Rates
• 2022 Nissan Altima Insurance Rates
• 2021 Nissan Altima Insurance Rates

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.

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.

Here are proven strategies to help you find affordable Nissan Altima insurance rates:

The Altima costs less to insure than most cars in its class. Comparing quotes from multiple insurers and taking advantage of available discounts will get you an even better rate.

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