Annual full coverage car insurance costs for a Nissan Altima range from $1,049 to $6,483. Rates depend on the car’s production year, your age, location, driving history, coverage level and insurer. This MoneyGeek article details Nissan Altima insurance costs, coverage options and the best companies for affordable rates.
Nissan Altima Insurance Cost
Updated: March 24, 2025
Key Takeaways
State Farm offers the most affordable annual rate of $505 for minimum coverage across all Nissan Altima model years.
Nissan Altima owners pay an average of $642 per year for minimum coverage and $1,478 for full coverage.
This analysis is based on 4,183 quotes for a Nissan Altima, sourced from Quadrant Information Services to ensure accurate and comprehensive insights.
Nissan Altima Insurance Rates
What Is the Average Nissan Altima Car Insurance Cost?
Nissan Altima insurance costs about $123 per month or $1,478 per year for full coverage, based on a 40-year-old male with a clean driving record. Minimum coverage averages $53 monthly or $642 annually.
| Minimum Coverage | $642 |
| Full Coverage | $1,478 |
Read more: Average Cost of Car Insurance
Nissan Altima Insurance Costs by Company
Nissan Altima insurance costs range from $1,086 to $1,969 per year, depending on age, model year and coverage level. The table below compares average Nissan Altima insurance rates with the averages for all vehicles from various providers.
| Allstate | $1,647 | $1,811 | -9% |
| Auto-Owners | $1,242 | $1,226 | 1% |
| Farmers | $1,883 | $1,955 | -4% |
| GEICO | $1,302 | $1,332 | -2% |
| Kemper | $1,969 | $2,213 | -11% |
| Nationwide | $1,632 | $1,587 | 3% |
| Progressive | $1,724 | $1,742 | -1% |
| State Farm | $1,228 | $1,269 | -3% |
| Travelers | $1,632 | $1,519 | 7% |
| USAA | $1,086 | $1,200 | -9% |
Read more: Best Car Insurance Companies
Cost of Insuring a Nissan Altima by Model Year
The year your Nissan Altima was produced influences your insurance rates, with older vehicles typically costing less. For example, a 2022 model has a full coverage rate of $1,652, while a 2009 model is $1,363. Below are the average full and minimum coverage rates by production year.
| 2022 | $644 | $1,652 |
| 2021 | $638 | $1,622 |
| 2020 | $621 | $1,597 |
| 2019 | $655 | $1,579 |
| 2018 | $661 | $1,553 |
| 2017 | $639 | $1,518 |
| 2016 | $669 | $1,482 |
| 2015 | $671 | $1,446 |
| 2014 | $644 | $1,437 |
| 2013 | $669 | $1,427 |
| 2012 | $667 | $1,417 |
| 2011 | $643 | $1,400 |
| 2010 | $671 | $1,381 |
| 2009 | $670 | $1,363 |
Nissan Altima Insurance Costs by Driver Age
Nissan Altima insurance rates vary significantly by age. For example, a 16-year-old pays around $6,483 annually for full coverage, while a 40-year-old pays about $1,491. Below are the average minimum and full coverage rates for drivers of different ages.
| 16 | $3,000 | $6,483 |
| 17 | $2,436 | $5,283 |
| 18 | $2,128 | $4,651 |
| 19 | $1,504 | $3,309 |
| 20 | $1,351 | $3,008 |
| 21 | $1,069 | $2,425 |
| 22 | $975 | $2,228 |
| 23 | $905 | $2,080 |
| 24 | $858 | $1,979 |
| 25 | $763 | $1,771 |
| 26 | $743 | $1,709 |
| 27 | $725 | $1,672 |
| 28 | $714 | $1,646 |
| 29 | $703 | $1,624 |
| 30 | $679 | $1,567 |
| 35 | $661 | $1,519 |
| 40 | $654 | $1,491 |
| 45 | $649 | $1,472 |
| 50 | $633 | $1,427 |
| 55 | $616 | $1,388 |
| 60 | $616 | $1,383 |
| 65 | $657 | $1,439 |
| 70 | $713 | $1,541 |
| 75 | $792 | $1,689 |
| 80 | $896 | $1,881 |
| 85 | $969 | $2,019 |
| 90 | $1,022 | $2,115 |
Nissan Altima Insurance Rates Explained
Several factors affect your car insurance rates based on your driver profile. However, insurance providers also consider vehicle-related factors. The list below outlines the cost factors tied to your car.
Nissan Altima Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Nissan Altima
Average Full Coverage Rate
$1,478Premiums for Nissan Altima are:$182 more
This is 14% more expensive.
Value
The Nissan Altima has an MSRP of $37,210, classifying it as a sedan. This price can impact insurance costs, as higher-priced vehicles typically have higher premiums.
Repair costs
The Nissan Altima's annual repair cost is $483, below the national average, which can help lower insurance premiums due to easier and cheaper repairs.
Performance
The Nissan Altima has a 0-to-60 time of 5.9 seconds and horsepower between 188 and 248. As a non-high-performance vehicle, it typically has moderate insurance costs.
Vehicle age
Newer Nissan Altimas typically cost more to insure than older ones. However, insuring collector and classic vehicles can also be very expensive.
Safety features
Safety features like stability control, airbags and antilock brakes can qualify the Nissan Altima for insurance discounts. With a 5 out of 5 NHTSA safety rating, it also reduces accident risks.
Vehicle size
Larger vehicles usually cost more to insure due to increased property damage. The Nissan Altima, with a curb weight of 3,460 lbs, may have moderate insurance costs.
Trim level
Higher trim levels with premium upgrades lead to a higher MSRP, making insurance costs for the Nissan Altima's higher trims more expensive than the base model.
Theft rates
Vehicles at higher risk of theft cost more to insure. With a theft relative claims frequency of 67, the Nissan Altima may have higher insurance rates.
Cheapest Nissan Altima Insurance
State Farm offers the most affordable annual rate of $505 for a Nissan Altima, based on a 40-year-old male driver with a clean record. Below is a breakdown of the cheapest car insurance rates across coverage levels, age groups, driving records, model years and more.
Cheapest Nissan Altima Insurance by Coverage Level
The coverage level you select significantly affects your Nissan Altima insurance rate. State Farm provides the cheapest average minimum and full coverage rates. Below is a breakdown of the cheapest providers for each type.
Cheapest Nissan Altima Minimum Coverage
State Farm offers the cheapest minimum coverage for a Nissan Altima at $42 per month. GEICO, Travelers and Allstate also provide competitive rates, ranging from $43 to $59.
| USAA | $34 | $413 |
| State Farm | $42 | $505 |
| GEICO | $43 | $518 |
| Travelers | $56 | $671 |
| Allstate | $59 | $713 |
| Progressive | $60 | $726 |
| Nationwide | $61 | $734 |
| Farmers | $66 | $789 |
*State Farm offers non-military-affiliated Nissan Altima owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Nissan Altima Insurance Rates by Model Year
The above list doesn't account for model production year, meaning lower rates may be available depending on your vehicle's age. Filter the table below to find the cheapest minimum coverage rates for every Nissan Altima model year.
Data filtered by:Results filtered by:
Select
Model Year:2009
| Allstate | $728 | $61 |
| Farmers | $815 | $68 |
| GEICO | $542 | $45 |
| Nationwide | $802 | $67 |
| Progressive | $742 | $62 |
| State Farm | $485 | $40 |
| Travelers | $734 | $61 |
| USAA | $435 | $36 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Nissan Altima Insurance
State Farm offers the cheapest full coverage for a Nissan Altima at $1,190 annually or $99 monthly. Below is the complete list of full coverage car insurance providers and rates.
| USAA | $87 | $1,049 |
| State Farm | $99 | $1,190 |
| GEICO | $105 | $1,257 |
| Nationwide | $128 | $1,532 |
| Allstate | $131 | $1,571 |
| Travelers | $134 | $1,611 |
| Progressive | $137 | $1,650 |
| Farmers | $147 | $1,768 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Nissan Altima owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Nissan Altima Insurance by Age
Younger drivers aged 16 to 25 and seniors aged 55 and up often pay more for Nissan Altima insurance. Below is a breakdown of the cheapest options by age.
Cheapest Nissan Altima Insurance for Young Drivers
Drivers aged 16 to 25 can find the cheapest Nissan Altima insurance with State Farm, averaging $91 monthly or $1,097 yearly for minimum coverage. Below is the complete list of the most affordable car insurance rates for young drivers.
| USAA | $71 | $853 |
| State Farm | $91 | $1,097 |
| GEICO | $104 | $1,245 |
| Travelers | $117 | $1,401 |
| Allstate | $139 | $1,663 |
| Nationwide | $163 | $1,950 |
| Progressive | $167 | $2,002 |
| Farmers | $177 | $2,129 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Nissan Altima Insurance for Seniors
State Farm offers the cheapest car insurance for seniors aged 55 and up at $46 monthly or $555 annually. Below is the full list of affordable Nissan Altima insurers.
| USAA | $46 | $548 |
| State Farm | $46 | $555 |
| GEICO | $52 | $621 |
| Travelers | $67 | $803 |
| Nationwide | $72 | $861 |
| Allstate | $73 | $875 |
| Progressive | $77 | $923 |
| Farmers | $88 | $1,058 |
*State Farm is the cheapest insurer for non-military-affiliated senior drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Nissan Altima Insurance After an Accident
State Farm, GEICO and Travelers offer Nissan Altima drivers the cheapest car insurance after an accident. Check the complete list of providers below.
| USAA | $52 | $628 |
| State Farm | $52 | $630 |
| GEICO | $68 | $817 |
| Travelers | $81 | $975 |
| Allstate | $82 | $981 |
| Nationwide | $95 | $1,144 |
| Progressive | $99 | $1,191 |
| Farmers | $130 | $1,564 |
*State Farm provides the lowest rates for non-military-affiliated at-fault Nissan Altima drivers. USAA is the most affordable option for military-affiliated drivers.
Nissan Altima Insurance Cost: Bottom Line
Make it a habit to compare rates from different providers to find the cheapest car insurance. This article covers Nissan Altima insurance costs across various demographic groups and highlights the most affordable providers.
Nissan Altima Insurance Rates: FAQ
Below are answers to common questions about Nissan Altima insurance costs, including minimum coverage and affordable options.
What company has the cheapest car insurance for a Nissan Altima?
State Farm offers the cheapest insurance for a Nissan Altima, with an annual minimum coverage rate of $505.
What is the average cost of car insurance for a Nissan Altima?
A Nissan Altima's average annual insurance cost is $642 for minimum coverage and $1,478 for full coverage.
Nissan Altima Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 4,183 Nissan Altima insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Nissan Altima:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Nissan Altima insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Nissan Altima.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis also includes average rates for a full coverage policy that includes comprehensive and collision coverage (with a $1,000 deductible) and the following increased liability coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
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.