Nissan Altima Insurance Cost – 2022 Rates + Comparisons

How much does Nissan Altima car insurance cost? We compare rates from the base S trim up to the top-end Platinum AWD model to see how prices stack up against all other mid-size cars.

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How much does Nissan Altima insurance cost?

Nissan Altima insurance costs an average of $1,706 annually for full coverage. Monthly insurance cost for the Altima averages $142 and ranges from $137 to $150, depending on the trim level.

Expect to pay about $117 more annually to insure a Nissan Altima compared to the average rate for all midsize cars, and $139 more per year than the overall national average of $1,567 for all vehicles combined.

The following chart illustrates how average Altima car insurance rates vary depending on the age of the driver and a range of policy deductibles. Average cost in the chart below ranges from $1,302 per year for a 60-year-old driver with high physical damage deductibles to $3,914 per year for a 20-year-old driver with $250 physical damage deductibles.

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Chart Data Details: Chart shows average insurance cost for a 2022 Nissan Altima with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Nissan Altima trim levels.Data last updated on June 24, 2022
Nissan Altima Car Insurance Rates
Nissan Altima Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,898$242
$500$3,392$283
$250$3,914$326
30$1,000$1,512$126
$500$1,790$149
$250$2,078$173
40$1,000$1,452$121
$500$1,706$142
$250$1,970$164
50$1,000$1,326$111
$500$1,556$130
$250$1,792$149
60$1,000$1,302$109
$500$1,528$127
$250$1,760$147

The chart above calculates a narrow set of auto insurance rate values from an extremely large data set. This is because if we displayed all rates for every possible scenario, including all 11 Altima models and all 42,000 zip codes in the U.S., the result would be approximately 1,064,448,000,000 different rate possibilities.

To help you comprehend the incredibly large range of insurance rates, consider that liability-only insurance for an Altima in the most affordable parts of Virginia or North Carolina can cost around $204 a year.

For the same style of Nissan Altima, a teenager with a couple of driving violations in specific New York City zip codes could receive a car insurance bill for $15,902 a year for full coverage.

The table below shows average Nissan Altima car insurance rates for the 2010 to 2022 model years and for rated drivers aged 20 through 60.

Nissan Altima Insurance Cost for 2010-2022 Models
Model Year Driver Age 20 Age 30 Age 40 Age 50 Age 60
2022$3,392$1,790$1,706$1,556$1,528
2021$3,022$1,602$1,522$1,386$1,360
2020$2,970$1,570$1,492$1,360$1,336
2019$2,966$1,560$1,490$1,360$1,334
2018$2,956$1,550$1,488$1,358$1,332
2017$2,866$1,498$1,438$1,314$1,292
2016$2,604$1,372$1,310$1,196$1,174
2015$2,420$1,268$1,220$1,114$1,092
2014$2,376$1,244$1,196$1,094$1,072
2013$2,330$1,214$1,170$1,068$1,048
2012$2,283$1,190$1,147$1,047$1,027
2011$2,238$1,166$1,124$1,026$1,006
2010$2,193$1,143$1,101$1,005$986

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Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on June 24, 2022
Nissan Altima Car Insurance Rates by Model Year

What is the cheapest Nissan Altima insurance?

The cheapest Nissan Altima insurance will be on the lower-end models like the S and SL trims. Average rates for those models cost around $1,640 per year, or about $137 per month.

As a general rule, the lower the MSRP is for the Altima model you buy, the cheaper car insurance will be. Adding extra options and packages, or moving up to higher-end trim levels, is pretty much guaranteed to increase the cost of insurance.

At the high end of the Nissan Altima insurance cost range, the three most expensive Altima models to insure are the SR Midnight Edition AWD, the SR VC-Turbo, and the Platinum AWD trim levels at around $1,728,  $1,780, and $1,798 per year, respectively. The lowest-cost six models of Altima all have similar insurance rates at an average cost of $1,640 per year.

The next table shows average prices for annual and 6-month car insurance policies, plus a monthly budget amount, for each Nissan Altima model trim level.

2022 Nissan Altima Insurance Cost by Trim Level
Nissan Altima Trim Level Annual Policy 6-month Policy Per Month
S$1,640$820$137
SV$1,652$826$138
SL$1,662$831$139
SV AWD$1,686$843$141
SL AWD$1,694$847$141
SR$1,700$850$142
SR AWD$1,712$856$143
SR Midnight Edition$1,718$859$143
SR Midnight Edition AWD$1,728$864$144
SR VC-Turbo$1,780$890$148
Platinum AWD$1,798$899$150

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Nissan Altima, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on June 24, 2022
Nissan Altima Insurance Cost by Trim Level

How does Altima insurance rank against other sedans?

The Nissan Altima ranks #11 out of 13 comparison vehicles in the midsize car category for car insurance affordability. The Altima costs an average of $1,706 per year to insure for full coverage, while the segment median rate is $1,589 per year, a difference of only $117 per year.

When compared to the top-selling other midsize cars, car insurance for a 2022 Nissan Altima costs $204 more per year than the Toyota Camry, $118 more than the Honda Accord, $104 more than the Tesla Model 3, and $122 more than the Chevrolet Malibu.

The chart table shows how well average Altima insurance rates fare against the rest of the 2022 midsize car segment for car insurance affordability.

Insurance Cost Comparison: Nissan Altima vs Midsize Cars
Rank Make/Model Insurance Cost Difference
1Subaru Legacy$1,480-$226
2Honda Insight$1,482-$224
3Kia K5$1,498-$208
4Toyota Camry$1,502-$204
5Volkswagen Passat$1,508-$198
6Mazda 6$1,518-$188
7Chevrolet Malibu$1,584-$122
8Honda Accord$1,588-$118
9Tesla Model 3$1,602-$104
10Volkswagen Arteon$1,660-$46
11Nissan Altima$1,706--
12Hyundai Sonata$1,736$30
13Kia Stinger$1,798$92

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on June 24, 2022
Insurance Cost Comparison: Nissan Altima vs Midsize Cars

Additional noteworthy data insights concerning Altima insurance cost include:

  • Research discounts to save money. Discounts may be available if the policyholders belong to certain professional organizations, insure multiple vehicles on the same policy, are loyal customers, are homeowners, or many other discounts which could save the average driver as much as $290 per year.
  • High-risk drivers pay a lot more for insurance. For a 20-year-old driver, having to buy a high-risk insurance policy can increase the cost by $2,646 or more per year.
  • Get cheaper rates because of your employer. The large majority of auto insurance providers offer discounts for having a job in professions like doctors, members of the military, lawyers, police officers and law enforcement, high school and elementary teachers, college professors, and other occupations. If you can get this discount applied to your policy, you may save between $51 and $159 on your annual car insurance bill, depending on the policy coverages selected.
  • Be a careful driver and save. Having a few at-fault accidents can really raise rates, as much as $2,396 per year for a 20-year-old driver and as much as $528 per year for a 60-year-old driver.
  • Insuring teenagers can be very expensive. Average rates for full coverage Altima car insurance costs $6,190 per year for a 16-year-old driver, $5,768 per year for a 17-year-old driver, and $5,380 per year for a 18-year-old driver.