Nissan Altima vs Chevrolet Malibu Insurance Cost
The Nissan Altima is cheaper to insure by about $60 a year for full coverage by our estimate ($1,995 vs. $2,055), and cheaper in 45 of 51 states.
Side-by-side insurance estimate
| Coverage | Nissan Altima | Chevrolet Malibu | Difference |
|---|---|---|---|
| State minimum | $810 | $920 | −$110 |
| Standard (100/300/100) | $1,175 | $1,335 | −$160 |
| Full coverage | $1,995 | $2,055 | −$60 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Altima minus Malibu.
Why one costs more to insure
| Factor | Nissan Altima | Chevrolet Malibu |
|---|---|---|
| Segment | Midsize car | Midsize car |
| Powertrains | Gasoline, Hybrid | Gasoline, Hybrid, Flex-fuel |
| HLDI collision (100 = avg) | 135 | 124 |
| HLDI comprehensive | 106 | 98 |
| HLDI property damage liability | 134 | 149 |
| HLDI bodily injury liability | 174 | 219 |
| NHTSA overall rating | 5★ | 5★ |
| NICB most-stolen rank | #10 | Not in top 10 |
| Recalls (latest 3 model years) | 3 | 3 |
Collision losses are the biggest swing factor: the Nissan Altima has 11 points higher relative collision losses, meaning its crash repairs cost insurers more on average. The Nissan Altima appears on the NICB most-stolen list, adding to comprehensive costs.
Altima vs Malibu insurance by state
By driver profile (full coverage)
| Driver | Altima | Malibu |
|---|---|---|
| Teen driver (18, own policy) | $5,485 | $5,650 |
| Young adult (22) | $3,190 | $3,285 |
| Adult in their 30s | $1,995 | $2,055 |
| Adult in their 50s | $1,835 | $1,890 |
| Senior (72) | $2,235 | $2,300 |
| 30s, one at-fault accident | $2,895 | $2,980 |
| 30s, DUI on record | $3,690 | $3,800 |
More comparisons
Frequently asked questions
Is the Nissan Altima or the Chevrolet Malibu cheaper to insure?
By our estimate the Nissan Altima is cheaper, by about $60 a year for full coverage ($1,995 vs. $2,055) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Nissan Altima and Chevrolet Malibu?
Mostly because of insurance-loss history: HLDI collision indices of 135 vs. 124 and comprehensive indices of 106 vs. 98 (100 = average), plus repair costs, theft rates and segment.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.