The Nissan Altima is a midsize four-door sedan that first debuted in the U.S. in 1992. The vehicle remains a popular choice today, and the 2026 Altima has been upgraded with the latest tech, including a 14-inch infotainment screen. No matter which type of Nissan Altima you drive, it needs to be protected with the right car insurance.
When it's time to find the best Nissan Altima insurance, an independent insurance agent can assist you. These agents know where to get the right Nissan insurance at a great rate. But first, here's a behind-the-scenes look at how much it costs to insure a Nissan Altima by model year and top-rated insurance company in 2026.
Key Takeaways - Nissan Altima Car Insurance
Nissan Altima insurance costs an average of $1,865 per year, or approximately $155 per month, for full coverage in 2026.
Nissan Altima insurance costs vary widely by state, with drivers in Wyoming paying an average of only $29 monthly for minimum coverage, while those in Louisiana pay $161.
USAA, Progressive, and American Family are the cheapest carriers for model-year 2025 Nissan Altima insurance this year.
Your age, location, credit, trim level, and driving history are all major factors that can influence the cost of Nissan Altima insurance.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Nissan Altima model.
What Is Nissan Altima Insurance?
Nissan Altima insurance is a specialized car insurance policy that offers customized coverage for your specific vehicle. As a midsize sedan, the Altima is unlikely to require additional coverage beyond that needed by standard cars. Additionally, the Altima's average car insurance rates trend cheaper than those for similar vehicles in its class.
Recommended coverage options for Nissan Altima drivers:
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
Add-on coverage options worth considering for a Nissan Altima:
- Nissan warranty insurance: This can extend Nissan's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Nissan parts during the repair process.
- Gap insurance: If you have a new or financed Nissan vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
To avoid noncompliance penalties such as fines, work with a local independent insurance agent to get set up with all the required auto insurance for a Nissan Altima in your state.
How Much Does Nissan Altima Insurance Cost?
The average cost of full-coverage car insurance for a Nissan Altima is $1,865 per year, or approximately $155 per month. Minimum coverage for a Nissan Altima costs an average of $966 annually, or approximately $81 monthly. However, several factors can influence the cost of Nissan insurance, including:
- The specific type of Altima you drive
- Annual mileage
- The types and amount of coverage you need
- Vehicle safety features
- Your driving history
- Your claims history
- Your location
- Your credit score (where allowed)
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Nissan Altima full coverage insurance or a basic Nissan Altima liability insurance policy.
Is the Nissan Altima Expensive to Insure?
No, the Nissan Altima isn't expensive to insure when compared to other Nissans and other vehicles in general. The table below compares average auto insurance rates for the Nissan Altima with those for all Nissans and other cars.
| Vehicle | Average Monthly Cost of Full Coverage |
| Nissan Altima | $155 |
| All Nissans | $181 |
| All Cars | $175 |
Average Nissan Altima Insurance Rates Compared to Similar Vehicles
The Nissan Altima's average monthly auto insurance rates are quite level with those of several vehicles in its class. The Altima's average of $118 is the same as that for the Ford Fusion, the Lexus CT, the Lincoln Town Car, and the Volkswagen CC. The table below compares the Altima's average monthly rates to those of similar vehicles.
| Vehicle | Average Monthly Cost of Car Insurance |
| Lincoln MKZ | $116 |
| Acura TL | $117 |
| Ford Fusion | $118 |
| Nissan Altima | $118 |
| Lexus CT | $118 |
| Lincoln Town Car | $118 |
| Volkswagen CC | $118 |
| Hyundai Accent | $119 |
Nissan Altima Insurance Costs by Model Year
Next, we'll break down several model years of the Nissan Altima and the average insurance costs for each.
| Model Year | Average Annual Cost of Car Insurance |
| 2026 Nissan Altima* | $2,435 |
| 2025 Nissan Altima | $1,425 |
| 2024 Nissan Altima | $1,210 |
| 2023 Nissan Altima | $838 |
| 2022 Nissan Altima | $822 |
| 2021 Nissan Altima | $585 |
| 2020 Nissan Altima | $436 |
| 2019 Nissan Altima | $554 |
| 2018 Nissan Altima | $422 |
| 2017 Nissan Altima | $416 |
| 2016 Nissan Altima | $635 |
| 2015 Nissan Altima | $450 |
| 2014 Nissan Altima | $370 |
| 2013 Nissan Altima | $504 |
| 2012 Nissan Altima | $435 |
| 2011 Nissan Altima | $325 |
| 2010 Nissan Altima | $365 |
*Note: The 2026 Altima's average rates are a projection based on the evaluation of inflation trends and current market data.
Cheapest Nissan Altima Car Insurance Companies for 2026
You can buy affordable Nissan Altima insurance from many different carriers across the country. These top-rated Nissan car insurance companies provide the cheapest model-year 2025 Altima insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| USAA | $1,859 |
| Progressive | $1,977 |
| American Family | $2,132 |
| Erie | $2,218 |
| Nationwide | $2,661 |
| Allstate | $4,707 |
Nissan Altima Car Insurance Rates by State
Your location has a significant effect on the cost of your car insurance. Here are some average auto insurance rates for the Nissan Altima by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Alabama | $70 | $131 |
| Alaska | $57 | $122 |
| Arizona | $96 | $180 |
| Arkansas | $64 | $144 |
| California | $75 | $152 |
| Colorado | $76 | $183 |
| Connecticut | $111 | $191 |
| Delaware | $117 | $195 |
| Florida | $109 | $253 |
| Georgia | $123 | $202 |
| Hawaii | $42 | $94 |
| Idaho | $44 | $89 |
| Illinois | $72 | $134 |
| Indiana | $52 | $101 |
| Iowa | $44 | $105 |
| Kansas | $56 | $131 |
| Kentucky | $99 | $168 |
| Louisiana | $161 | $343 |
| Maine | $41 | $85 |
| Maryland | $127 | $215 |
| Massachusetts | $83 | $175 |
| Michigan | $123 | $235 |
| Minnesota | $65 | $135 |
| Mississippi | $68 | $134 |
| Missouri | $89 | $177 |
| Montana | $54 | $127 |
| Nebraska | $58 | $132 |
| Nevada | $146 | $264 |
| New Hampshire | $55 | $98 |
| New Jersey | $133 | $219 |
| New Mexico | $64 | $144 |
| New York | $101 | $181 |
| North Carolina | $65 | $128 |
| North Dakota | $46 | $100 |
| Ohio | $61 | $118 |
| Oklahoma | $74 | $164 |
| Oregon | $99 | $172 |
| Pennsylvania | $67 | $159 |
| Rhode Island | $98 | $176 |
| South Carolina | $81 | $151 |
| South Dakota | $41 | $126 |
| Tennessee | $62 | $125 |
| Texas | $100 | $205 |
| Utah | $86 | $146 |
| Vermont | $35 | $84 |
| Virginia | $75 | $122 |
| Washington | $75 | $139 |
| West Virginia | $68 | $138 |
| Wisconsin | $51 | $112 |
| Wyoming | $29 | $91 |
Average Nissan Altima Insurance Rates by Trim Level
Auto insurance rates for the Nissan Altima are also affected by the trim level. Here are some average Nissan Altima insurance rates by trim level in 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| XE Sedan 4d | $57 | $110 |
| GXE Sedan 4d | $57 | $111 |
| SE Sedan 4d | $58 | $111 |
| GLE Sedan 4d | $65 | $124 |
| 2.5 S Sedan 4d | $76 | $146 |
| 3.5 SR Sedan 4d | $77 | $148 |
| 3.5 SL (2017.5) Sedan 4d | $77 | $148 |
| 2.5 S Coupe 2d | $78 | $151 |
| 2.5 SR (2017.5) Sedan 4d | $78 | $152 |
| 2.5 SR Sedan 4d | $79 | $153 |
| 2.5 SV (2017.5) Sedan 4d | $79 | $153 |
| 3.5 SE Coupe 2d | $79 | $153 |
| 2.5 SV Sedan 4d | $79 | $153 |
| 2.5 S (2017.5) Sedan 4d | $79 | $153 |
| 2.5 SL Sedan 4d | $80 | $155 |
| 2.5 Sedan 4d | $81 | $155 |
| Hybrid Sedan 4d | $81 | $156 |
| 2.5 S | $81 | $159 |
| 3.5 SE Sedan 4d | $83 | $159 |
| 3.5 S Sedan 4d | $83 | $160 |
| 3.5 SV Sedan 4d | $83 | $160 |
| 2.5 Platinum Sedan 4d | $83 | $161 |
| 2.5 SV | $83 | $162 |
| VC-T SR Sedan 4d | $83 | $162 |
| 2.5 SL (2017.5) Sedan 4d | $83 | $161 |
| 3.5 SR Coupe 2d | $83 | $161 |
| VC-T Edition One Sedan 4d | $87 | $169 |
| 2.5 SR | $87 | $170 |
| 3.5 SL Sedan 4d | $88 | $169 |
| VC-T Platinum Sedan 4d | $95 | $184 |
| 2.5 SL | $101 | $197 |
| VC-T SR | $107 | $209 |
| 3.5 SE-R Sedan 4d | $119 | $229 |
Average Nissan Altima Insurance Rates by Driver Age and Profile
Your age, credit, and driving history can also play a major role in car insurance premium calculations. Teens and young drivers pay the highest average insurance rates for a Nissan Altima. Auto insurance rates tend to decline considerably starting around age 25.
Once a driver reaches about age 65, auto insurance rates begin to climb through their senior years. Here are some average Nissan Altima insurance rates by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $8,191 | $11,993 | $14,112 |
| 20 | $6,302 | $9,252 | $10,851 |
| 25 | $3,735 | $5,435 | $6,320 |
| 30 | $2,865 | $4,214 | $4,939 |
| 35 | $2,698 | $3,981 | $4,614 |
| 40 | $2,561 | $3,828 | $4,477 |
| 45 | $2,515 | $3,700 | $4,313 |
| 55 | $2,292 | $3,378 | $4,006 |
| 65 | $2,414 | $3,566 | $4,142 |
| 75 | $3,074 | $4,460 | $5,250 |
Best Nissan Altima Insurance Discounts: How to Lower Your Nissan Altima Insurance Premiums
It's easy to save money on Nissan Altima insurance when you follow any of these simple strategies:
- Ask about telematics programs: Your insurance company or Nissan may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Ask about Nissan Altima insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Compare quotes from multiple carriers: Comparing Nissan Altima insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Nissan Altima insurance from a trusted carrier near you.
A local independent insurance agent can help you find the most affordable Nissan Altima insurance from a trusted local carrier. They can also help you apply any discounts you're eligible for to reduce your premiums as much as possible.
An Independent Insurance Agent Can Help You Get the Best Nissan Altima Insurance Quotes
When it's time to find the most affordable Nissan Altima insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Nissan Altima insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Nissan Altima Insurance
How much does Nissan Altima insurance cost per year?
The average annual cost of full coverage for a Nissan Altima is $1,865, or approximately $155 per month. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Nissan Altima insurance premiums?
Having traffic violations or accidents on your record, poor credit, prior claims, or living in a high-theft rate area can all increase the cost of Nissan Altima auto insurance.
Is the Nissan Altima expensive to insure?
No, the Nissan Altima isn't expensive to insure when compared to other vehicles, including other Nissan models.
What are the best and cheapest carriers for Nissan Altima insurance in 2026?
We found that USAA, Progressive, and American Family are the best and cheapest car insurance companies for model-year 2025 Nissan Altima insurance this year.
Is insurance cheaper for the Nissan Altima than for other Nissans?
Yes, the Nissan Altima's average monthly car insurance rate of $155 is significantly lower than the $181 average for other Nissan vehicles.
How can I get cheaper Nissan Altima insurance?
Finding cheaper Nissan Altima insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.moneygeek.com/insurance/auto/nissan-altima-insurance/
https://www.insuranceopedia.com/auto-insurance/nissan-altima-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/nissan/altima/