Estimates, not quotes

Nissan Altima Insurance Cost

Full coverage for a Nissan Altima costs about $1,995 a year ($166/month) by our estimate — ▲ +25% versus the average vehicle, ranking 247th cheapest of 310 current models.

Nissan Altima exterior (photo from Wikimedia Commons)
Photo: MercurySable99, CC BY-SA 4.0
These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Nissan Altima insurance cost at a glance

Full coverage
$1,995
$166/mo · $1,635–$2,355
Minimum liability
$810
$68/mo
Segment
Midsize car
Gasoline, Hybrid
HLDI collision losses
135
Much worse than average (100 = avg)
NHTSA overall
★★★★★
2026 model year
NICB most stolen
#10
national list

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2026 model year. Our vehicle data covers the 2005–2026 model years of the Nissan Altima.

Estimated Nissan Altima premium by coverage level (national average rates)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $810 $68 $665–$955
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $1,175 $98 $965–$1,385
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,995 $166 $1,635–$2,355

What drives the cost of insuring a Nissan Altima

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Nissan Altima's results put our vehicle factor at 1.32× for liability, 1.30× for collision and 1.08× for comprehensive.

HLDI relative insurance losses — Nissan Altima (Midsize Four-door cars)
CoverageIndexRatingWhat it measures
Collision135Much worse than averageDamage to this car in crashes; driven by repair costs and crash frequency
Comprehensive106Worse than averageTheft, vandalism, glass, weather and animal damage
Property damage liability134Much worse than averageDamage this car does to other vehicles and property
Bodily injury liability174Much worse than averageInjuries to people in other vehicles (claim frequency)
Personal injury protection181Much worse than averageInjuries to occupants of this car (claim frequency)
Medical payments206Much worse than averageInjuries to occupants of this car (claim frequency)
HLDI results by body style / drivetrain (2)
VariantCollisionComprehensiveProp. damageBodily injury
Nissan Altima135106134174
Nissan Altima 4WD135109131154
  • Repair and parts costs: Midsize car — mainstream parts availability keeps repairs moderate.
  • Safety: 5-star NHTSA overall rating (frontal 4★, side 5★, rollover 5★) — better occupant protection lowers injury-claim costs.
  • Theft: #10 on the NICB national most-stolen list, which raises comprehensive premiums.
  • Recalls & complaints: 3 NHTSA recall campaigns and 47 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Nissan Altima trims and configurations (2026)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

ConfigurationDriveEngineMPG (comb.)
AltimaFWD2.5L 4-cyl30
Altima AWDAWD2.5L 4-cyl28

Nissan Altima insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model yearEnginesDriveMPGEst. full / yr
20262.5L 4-cylAWD, FWD28–30$1,995
20252.5L 4-cylAWD, FWD28–31$1,955
20242.0L 4-cyl Turbo, 2.5L 4-cylAWD, FWD29–31$1,920
20232.0L 4-cyl Turbo, 2.5L 4-cylAWD, FWD29–31$1,880
20222.0L 4-cyl Turbo, 2.5L 4-cylAWD, FWD29–32$1,840
20212.0L 4-cyl Turbo, 2.5L 4-cylAWD, FWD29–32$1,800
20202.0L 4-cyl Turbo, 2.5L 4-cylAWD, FWD29–32$1,765
20192.0L 4-cyl Turbo, 2.5L 4-cylAWD, FWD29–32$1,725
20182.5L 4-cyl, 3.5L 6-cylFWD26–31$1,685
20172.5L 4-cyl, 3.5L 6-cylFWD26–31$1,645
20162.5L 4-cyl, 3.5L 6-cylFWD26–31$1,610
20152.5L 4-cyl, 3.5L 6-cylFWD26–31$1,605
20142.5L 4-cyl, 3.5L 6-cylFWD25–31$1,605
20132.5L 4-cyl, 3.5L 6-cylFWD25–31$1,605
20122.5L 4-cyl, 3.5L 6-cylFWD21–26$1,605
20112.5L 4-cyl, 2.5L 4-cyl Hybrid, 3.5L 6-cylFWD21–33$1,605
20102.5L 4-cyl, 2.5L 4-cyl Hybrid, 3.5L 6-cylFWD21–34$1,605
20092.5L 4-cyl, 2.5L 4-cyl Hybrid, 3.5L 6-cylFWD21–34$1,605
20082.5L 4-cyl, 2.5L 4-cyl Hybrid, 3.5L 6-cylFWD22–34$1,605
20072.5L 4-cyl, 2.5L 4-cyl Hybrid, 3.5L 6-cylFWD22–34$1,605

Nissan Altima insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Altima page for that state.

StateFull coverageMinimumvs. nationalAltima page
Alabama$1,725$635−14%Altima in AL
Alaska$1,750$825−12%Altima in AK
Arizona$2,090$870+5%Altima in AZ
Arkansas$1,735$590−13%Altima in AR
California$1,960$755−2%Altima in CA
Colorado$2,235$860+12%Altima in CO
Connecticut$2,135$940+7%Altima in CT
Delaware$2,250$1,060+13%Altima in DE
District of Columbia$2,515$980+26%Altima in DC
Florida$2,885$1,425+45%Altima in FL
Georgia$2,490$1,150+25%Altima in GA
Hawaii$1,375$575−31%Altima in HI
Idaho$1,350$530−32%Altima in ID
Illinois$1,725$660−14%Altima in IL
Indiana$1,410$535−29%Altima in IN
Iowa$1,325$410−34%Altima in IA
Kansas$1,565$530−22%Altima in KS
Kentucky$1,675$695−16%Altima in KY
Louisiana$2,760$1,045+38%Altima in LA
Maine$1,265$560−37%Altima in ME
Maryland$2,250$995+13%Altima in MD
Massachusetts$1,965$780−2%Altima in MA
Michigan$2,170$1,010+9%Altima in MI
Minnesota$1,640$620−18%Altima in MN
Mississippi$1,890$700−5%Altima in MS
Missouri$1,795$675−10%Altima in MO
Montana$1,560$520−22%Altima in MT
Nebraska$1,565$530−22%Altima in NE
Nevada$2,325$1,145+17%Altima in NV
New Hampshire$1,415$530−29%Altima in NH
New Jersey$2,430$1,235+22%Altima in NJ
New Mexico$1,780$685−11%Altima in NM
New York$2,695$1,225+35%Altima in NY
North Carolina$1,475$590−26%Altima in NC
North Dakota$1,245$365−38%Altima in ND
Ohio$1,420$535−29%Altima in OH
Oklahoma$1,770$620−11%Altima in OK
Oregon$1,805$825−10%Altima in OR
Pennsylvania$1,730$560−13%Altima in PA
Rhode Island$2,430$1,085+22%Altima in RI
South Carolina$2,140$965+7%Altima in SC
South Dakota$1,470$415−26%Altima in SD
Tennessee$1,645$595−18%Altima in TN
Texas$2,340$915+17%Altima in TX
Utah$1,825$860−9%Altima in UT
Vermont$1,285$420−36%Altima in VT
Virginia$1,715$825−14%Altima in VA
Washington$1,750$780−12%Altima in WA
West Virginia$1,645$575−18%Altima in WV
Wisconsin$1,350$490−32%Altima in WI
Wyoming$1,505$430−25%Altima in WY

Nissan Altima insurance by driver profile

Estimated annual Nissan Altima premium by driver (national average rates)
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $2,230 $3,230 $5,485 $457
Young adult (22) $1,295 $1,880 $3,190 $266
Adult in their 30s $810 $1,175 $1,995 $166
Adult in their 50s $745 $1,080 $1,835 $153
Senior (72) $905 $1,315 $2,235 $186
30s, one at-fault accident $1,175 $1,705 $2,895 $241
30s, DUI on record $1,500 $2,175 $3,690 $308

Nissan Altima vs. rivals

ModelFull coverage / yrHLDI collisionHLDI comprehensiveComparison
Nissan Altima$1,995135106—
Tesla Model 3$1,67013387Compare
Hyundai Sonata$1,890136116Compare
Kia K5$2,005144116Compare

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Frequently asked questions

How much is insurance for a Nissan Altima?

We estimate about $1,995 a year ($166 a month) for full coverage and $810 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 25% more than the average vehicle.

Is the Nissan Altima expensive to insure?

HLDI insurance-loss data rates it at 135 for collision and 106 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much worse than average.

Which state is cheapest to insure a Nissan Altima?

North Dakota has the lowest estimate (about $1,245 a year for full coverage) and Florida the highest (about $2,885).

What is the Nissan Altima's NHTSA safety rating?

The 2026 Nissan Altima earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Nissan Altima a commonly stolen car?

Yes. It ranks #10 on the NICB national list of most-stolen vehicles, which raises the comprehensive portion of premiums.

Is the Nissan Altima cheaper to insure than the Tesla Model 3?

By our estimate the Nissan Altima costs about $1,995 a year versus $1,670 for the Tesla Model 3, making the Tesla Model 3 cheaper to insure.

How much is Nissan Altima insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $5,485 a year at national-average rates by our estimate.

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.

Sources used on this page