Best Nissan Altima Car Insurance Rates; How Much to Insure It?
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UPDATED: Jan 24, 2021
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During our comparison shopping study, AutoInsureSavings.org agents found Erie offers the cheapest coverage for 2018 and newer model Nissan Altima’s, with a quote of $979 per year or 55% lower than the $2,183 average rate.
For older model Altima’s, State Farm provides the most affordable coverage with an annual cost of $864 or $72 per month.
The Nissan Altima is one of the most reliable vehicles in the United States on the market today.
Now you need to find coverage that not only protects your interests but leaves you with a little money left in your pocket.
Read on to learn about the best inexpensive insurance for your Altima to help you save money.
Affordable Nissan Altima Auto Insurance
|Nissan Altima Insurance Cost - Key Considerations|
|The average cost to insure an Altima depends on your age, location, marital status, and other factors. A 30-year-old with a clean driving record will pay $2,183 per year or $181 per month for full coverage.|
|Your best insurance option for newer model (2018 and above) Altima's is with Erie Insurance providing quotes at $979 per year or $81 per month.|
|AutoInsureSavings.org analysis shows if you want to buy coverage for a 2017 or older, your cheapest option is State Farm providing quotes at $864 annually or $72 per month.|
|According to U.S. News and World Report, the Altima's ranked 6th in J.D. Power's midsize car category.|
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Cheapest Nissan Altima Insurance
Finding the cheapest coverage rates for your Nissan Altima depends on the details of your vehicle. The number one factor in determining rates is the year of the car.
Also, choosing full coverage will increase your rates compared to choosing liability only.
With national auto insurers, the lowest prices and coverage costs are found with State Farm and USAA. USAA is limited to military members and their families. The next cheapest option to help you save is GEICO. Your rates may vary by zip code.
The older the vehicle, the cheaper coverage will be overall. However, data shows the race comes down between Erie and State Farm.
For 2018 and newer vehicles, Erie offers the cheapest insurance coverage, which provided us an $81 per month quote, or 55% lower than the average $181 monthly rate for an Altima.
USAA is the second-best option with a monthly quote of $87 or 50% cheaper.
However, for 2017 vehicles and older, State Farm provides the most affordable coverage with an annual rate of $864 or 45% more affordable than the average rate for older model Nissan Altima’s.
The five cheapest annual rates with full coverage for a newer 2018 Altima and above are:
|Cheapest Company||Annual cost||Monthly cost|
The five cheapest annual rates with full coverage for an older 2017 Altima.
|Cheapest Company||Annual cost||Monthly cost|
GEICO is nearly as competitive with a quote of $62 per month or 39% cheaper than the average rate of $87 for older model Nissan Altima’s.
Best Insurance Companies for Minimum Coverage
Our analysis found State Farm provides the cheapest liability insurance rates at $487 annually or $40 a month. The next most affordable option is GEICO at $514 annually or $42 per month.
Both auto insurers are more than 32% more affordable than the $55 average rate for bodily injury and property damage liability coverage for the Nissan.
|Best Company||Annual rate||Monthly rate|
Minimum coverage means that you likely want only liability coverage for your vehicle. Liability coverage will help pay for damage done to another vehicle in an accident.
However, it will not help you pay for any damage done to your car in an auto accident. It also will not help pay if a hit and run driver hits you, or you hit a tree or other non-moving object.
Minimum coverage is the cheapest coverage available for your vehicle.
Not all companies, however, offer good liability coverage for the money paid. Some companies may make it more difficult to file claims, are slower to respond, or are not very user friendly.
The following top companies tend to offer the best service for minimum liability rates.
These five companies are among the larger, national chains.
However, they work with millions of customers and have perfected a user-friendly experience to make claims easy and accessible.
Best Insurance Companies for Full Coverage
Companies like Erie and Tennessee Farmers offer cheap prices and excellent customer service. However, Erie is only available in 12 states, and Tennessee Farmers is only available in Tennessee and the surrounding areas.
Turning to national companies, five companies stand out as the best for affordable full coverage auto insurance.
State Farm Insurance provided us a quote at $127 per month or 30% less expensive than the average $181 rate for a 2021 Altima.
USAA and GEICO are nearly as competitive with monthly insurance rates of $131 and $136, or 25% lower than the average coverage rates.
|Best Company||Annual rate||Monthly rate|
These companies typically come in the top five for every state’s vehicle for the national level’s cheapest premiums.
Each company is known for its user-friendly website and mobile apps, allowing subscribers to quickly and easily file a claim.
State Farm and USAA typically receive rave reviews for customer service as well.
Once again, determining the best providers for full-coverage comes down to availability, customer service, price, and ease of use to report claims.
Many companies may offer quality full-coverage. However, they may not be available across the country. Others provide coverage across the country but are quite costly.
Average Nissan Altima Insurance Rates
The Nissan Altima is a third-tier sedan. Therefore, it has a bit more bells and whistles than other sedans. Auto insurers understand that replacing or repairing it would be higher than the cost to replace or repair a lower-tiered sedan.
Illustrated above is the premium when you apply driver discounts, have high deductibles, are a high-risk driver, or a teen driver. We compared each driver type to the average premium of $2,138 per year.
The cost to insure it reflects these costs. When new, it costs over $24,000. Therefore, the cost to insure the car was higher than a used Altima, which cost significantly less to purchase.
The average cost for a 30-year-old driver to insure a 2021 Nissan Altima is around $2,183 a year. An 18-year-old driver’s cost to insure the same vehicle is over double at $7,164 a year.
|Age||Yearly Insurance Cost||Monthly Cost|
Best Discounts for a Nissan Altima
One of the best ways to save on your insurance premiums is to look for vehicle discounts. Many auto insurers offer discounts for safe drivers, behind-the-wheel driver training, and student discounts.
Let’s take a look at some of the best discounts to help you make the right coverage choices.
— New Car Discount
— Multi-Policy Discounts
— Good Student Discount
— Anti-Theft Discount
— Anti-lock Brakes Discount
— Safe-Driver Discount
— Pay in Advance Discount
Insurance Quotes by Trim Level
Insurance quotes are based on several factors. These factors include the year, make, and model of the vehicle, age of the driver, and driving record. The trim style will also directly affect your premium.
Altima 2.5 S
With an average insurance quote of $1,384 per year, the 2.5 S 4 door sedan is the base model with a 2.5L DOHC 16-Valve 4-Cylinder producing a maximum of 182 horsepower.
Features of the 2.5 S include:
— Urethane Gear Shifter Material
— Remote Keyless Entry w/Integrated Key Transmitter
— Engine Immobilizer
The 2.5 SR is slightly more expensive than the S model with a starting price of $27,125 and has a higher insurance quote at $1,720 annually or $143 per month.
The 2.5 SR has all the features of the S with additional features that increase your insurance rates.
— 19-in. aluminum alloy wheels
— Automatic emergency braking w/ pedestrian detection
— Rear cross-traffic alert
— Rear sonar system
2.5 Platinum AWD Sedan
The Nissan Altima 2.5 Platinum AWD is the most expensive model, with a starting price of $35,025 and an increase in your insurance rates at $2,396 annually.
Many of the features contributing to higher rates from auto insurers are below.
— Turn-By-Turn Navigation Directions
— 2 LCD Monitors In The Front
— Distance Pacing w/Traffic Stop-Go
— Leather-Appointed Seat Trim
Review these estimate quotes for the following trims:
|Trim Level||Average Rate||Base Price|
|2.5 4-Dr Sedan||$1,340||$25,225|
|2.5 S 4-Dr Sedan||$1,384||$25,400|
|2.5 S 2-Dr Coupe||$1,526||$25,400|
|2.5 SV Sedan||$1,688||$26,325|
|2.5 SR Sedan||$1,720||$27,125|
|3.5 SR 4-Dr Sedan||$1,468||$26,200|
|3.5 SR 2-Dr Coupe||$1,612||$26,200|
|2.0 SR Sedan||$2,180||$31,575|
|2.5 Platinum AWD Sedan||$2,396||$35,025|
Nissan Altima Compared to Other Vehicles in its Class
If comparison shopping quotes, you’re probably checking into its two direct competitors – Toyota Camry and Honda Accord.
Below are prices compared to its competitors.
To help you make an insurance decision, the Altima falls in the middle, with a Toyota Camry being the cheaper option but less expensive than the Honda Accord.
What are the Safety Features of the Altima?
The Nissan Altima offers several standard safety features. The standard features include:
|Standard Safety Features|
|Anti-lock brakes||Overhead airbags|
|Stability control||Knee airbags|
|Side-impact airbags||Security System|
With new vehicles, you could have money-saving discounts with its advanced safety features, such as those below.
|Advance Standard Safety Features - Nissan Safety Shield 360|
|Automatic Emergency Braking w/ pedestrian detection||Rear automatic braking|
|Rear cross traffic alert||Lane departure warning|
|Blind spot warning||High beam assist|
Advanced Safety Technologies of the Altima
According to the Insurance Institute of Highway Safety (IIHS.org), all-new model Altima’s come with advanced safety technologies and security systems, called Altima ProPilot assist, to not only protect you and your family members but provide additional money-saving discounts to lower your costs.
Safety features of the ProPilot assist and driver tech assist include:
|Altima ProPILOT Assist and driver assist tech|
|ProPILOT Assist in highway traffic||ProPILOT Assist on the open road|
|Intelligent Around View Monitor||Split-screen close-ups of the front, rear, and curbside views|
Make sure to tell your auto insurer or have them run the VIN# of your car to help you find available driver discounts.
|Vehicle Dynamic Control (VDC)||Traction Control System (TCS)|
|Anti-lock braking system (ABS)||Advanced braking|
|Nissan Advanced Air Bag System||LATCH and Snug Kids|
How to Find Cheaper Nissan Altima Insurance
Finding cheaper coverage for Altima’s does not need to be a daunting task.
Many companies offer free online quotes to make it easy to find the best policy for your needs.
However, you may choose to utilize a comparison quote tool, so you do not have to go to several different websites to price shop for your insurance coverage.
AutoInsureSavings.org makes it easy for you to find several insurance companies quotes for your vehicle. Enter your Zip Code and let the website do the work to help you find savings.
Once you find a car insurer to buy a policy for your Altima, you want to make sure to do the following to keep your insurance rates as low as possible to save money.
— Maintain a clean driving record
— Maintain a good credit score
— Don’t let your coverage lapse
— Get discounts for safety features
Frequently Asked Questions
What is the Average Cost for Nissan Altima Insurance?
The average premium for an S model is around $2,138 a year for a 30-year-old. A new Altima will cost over $3,000 a year to cover in certain marketplaces. If you are a young driver between the ages of 18 and 25, the average cost to insure your it would be close to double the premium for a driver over 30-years-old.
What is the Cost of Coverage for a 2.5 Platinum AWD?
The 2.5 Platinum AWD is Nissan’s premium Altima with a based price of over $35,000. The cost to insure a 2.5 Platinum is $2,396 annually for a driver with a clean driving history.
How Much is Auto Insurance Coverage for 2.5 SL Sedan?
AutoInsureSavings.org analysis found the average insurance cost for a 2.5 SL Sedan is $2,114 per year. Since the cost of a 2.5 SL Sedan costs $31,000, it costs more to insure than a base model S Sedan.
What Kind of Coverage do you Need for a Nissan Altima?
The type of coverage needed for an Altima varies in each state. However, most states require drivers to carry minimum liability coverage to drive. Liability coverage will cover damages done to other vehicles and drivers as the result of an accident. Not your vehicle’s damage.
You may choose to carry full coverage for your vehicle. Full coverage includes liability, comprehensive, and collision coverage. Full coverage covers damages to other drivers and their cars as well as damage done to you and your vehicle in the event of an accident or an act of nature, such as a fallen tree.
What are the Vehicle Safety Ratings of an Altima?
The Nissan Altima maintains a 5-star safety rating from the National Highway Traffic Safety Administration (NHTSA). It boasts overhead, knee, front, and side airbags, as well as anti-lock brakes, pretensioners, and stability control.
What Affects the Cost of Insurance for Your Nissan Altima?
Several factors directly affect your auto insurance premiums for your car. Companies will weigh the risk of the cost of repairs and replacing your vehicle in the event of an accident when determining your premiums.
The factors that typically determine your premium include:
— The year, make, and model of the vehicle
— Marital Status
— Driver age
— Number of years with continuous coverage
— Credit score
— Education level
— Driving record
— Any applied driver discounts
To learn more about your options for the best inexpensive auto insurance for your Nissan Altima, contact the experts at AutoInsureSavings.org for a free online quote.
Our licensed agents will be happy to answer any questions you have.
|AutoInsureSavings.org licensed insurance agents used average rates for different trims for a Nissan Altima. The sample driver had minimum insurance requirements. For full coverage and a $500 deductible, we applied standard discounts.|
— IIHS.org. “Vehicle Ratings”
— III.org. What Determines the Cost of My Auto Insurance?
— NAIC. “Market Share Report of Insurers.”
— National Highway Traffic Safety Association. “Safety Ratings.”
— Car and Driver. “Review of 2021 Nissan Altima”
— Quadrant Information Services