Car insurance for Nissan Altima

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Whether you are driving a new sixth-generation Nissan Altima or one from earlier in the car’s nearly three-decade-long history, most people know it as a quality car that offers a smooth ride for a good price. With a bit of research, you could get a good price on Nissan Altima insurance, as well. According to Bankrate’s study of average annual full coverage premiums, the average cost of auto insurance in the U.S. is $1,674 per year. Since premiums factor variables such as the make and model of the car, as well as your age and credit rating, your rate may be different.

Models included in this review:
This article reviews insurance for a single model: Nissan Altima.

How much does it cost to insure a Nissan?

As we noted, the average cost of a full coverage car insurance policy in the U.S. is $1,674 per year. More expensive cars will typically cost more to insure and other factors, such as your car’s safety record, play a role in determining costs. Your characteristics, such as your driving record and even whether you are married or not, may impact the cost as well.

Here are some other vehicle-related considerations that go into determining your rates:

  • Crash rate stats per make/model: For a car like the Nissan Altima that does well in crash tests, a favorable insurance rate is more likely. In testing by the Insurance Institute for Highway Safety (IIHS), for example, the Nissan Altima is ranked as a “Top Safety Pick” and has an overall evaluation of Superior.
  • Price of parts: The Nissan Altima is made in America (Tennessee and Mississippi, to be exact) and parts generally do not have to be imported. Local production makes parts cheaper on average to obtain, with lower shipping costs, resulting in lower prices for repairs — and thus, generally cheaper car insurance.
  • Safety features: Features such as blind spot warnings and automatic emergency braking make the Altima a safer car that is less likely to be involved in an accident than a car without these safety features.

Car insurance for a Nissan: by model

Although car insurance rates are variable, it can be helpful to know the average cost of car insurance for a Nissan Altima before you begin shopping for coverage. The Altima is not considered a luxury or sports car, so you should be able to find reasonable rates by asking for quotes from a few insurers.

Car insurance for Nissan Altimas

As shown in the table below, one factor that makes a big difference in premiums is whether you have your state’s minimum coverage — the amount you need to drive legally — or full coverage, which is more robust and includes both collision and comprehensive coverage.

Minimum coverage for an Altima may be found for very reasonable prices, but it may not be enough insurance to cover you sufficiently following an expensive accident. Full coverage and increased liability totals help make it less likely that you are stuck with out-of-pocket costs if something should happen to your Nissan Altima.

Altima car insurance Average annual premium
Minimum coverage $526
Full coverage $1,788

Cheapest car insurance companies for Nissans

To find the cheapest car insurance for Nissan Altima, Bankrate’s insurance editorial team started by reviewing some of the best car insurance companies for 2021. Although your rate may vary, the lowest average rate we found is from USAA, followed by Erie Insurance. USAA insurance policies are only available to military families, but if you don’t fit that category, our other four options have average rates well below the overall U.S. average of $1,674 per year. All five of these companies are known for offering good coverage options at a reasonable price point for Nissan Altimas.

Average annual premium for full coverage by model

Car insurance company Nissan Altima
Amica $1,401
Erie $1,294
Geico $1,338
State Farm $1,505
USAA $1,173

Nissan features that impact insurance costs

Nissan Altimas are thoughtfully designed cars that feature elements that may lower your car insurance rates. These include the following:

  • Automatic emergency braking with pedestrian detection: If an obstacle or person is sensed on the road ahead of you, brakes will engage to avoid or lessen the severity of a frontal collision.
  • Rear automatic braking and cross-traffic alert: This feature senses obstacles to your rear and sides to help avoid fender-benders when you are backing up as well cars approaching you from either side, even if they are in your blind spot.
  • ProPILOT Assist: This optional element keeps you a safe distance from the car ahead of you and centered in your lane.
  • Advanced air bag system: Altimas include dual-stage front air bags and front and rear seat-mounted side-impact air bags, as well as a roof-mounted curtain side-impact air bag with rollover sensor.
  • Vehicle dynamic control: When this feature detects over or understeer, as might happen on an icy road, it reduces engine power and applies brake pressure to specific wheels.

Other car insurance coverage for a Nissan

Almost every state in the U.S. requires you to carry certain types of liability auto insurance in order to be on the road legally. This is a minimum amount of insurance that covers costs incurred by the other driver if you are at fault in an accident. Those minimums can be low, so if you are able, consider purchasing additional liability. Here are some other types of coverage you could add to your auto insurance for Nissan Altima:

  • Collision coverage is very common and pays for damages to your car following an accident. If you are at fault, your liability will only cover the other driver’s costs so collision is highly recommended by insurance professionals.
  • Comprehensive coverage is similar to collision, but covers damage to your car from non-accident-related causes, including weather damage, theft, fire and hitting an animal.
  • Uninsured/underinsured motorist coverage could cover the costs if you are involved in an accident with one of the 12.6% of motorists who are driving illegally without coverage. Even if they are at fault, you might have to pay out of pocket unless you have this type of optional coverage.
  • Personal injury protection (PIP) or medical payments (medpay) coverage help pay for medical costs associated with an accident, regardless of who caused it. Each coverage may also pay for funeral expenses, as well as costs if you are hit while you are a pedestrian or riding a bike.
  • Rideshare coverage is a good option to consider adding to your policy if you drive for Uber or Lyft. Although rideshare companies may give you some coverage, it is generally not very extensive. Adding to your coverage with your own policy may be a good idea.
  • Gap insurance is optional and worth considering if you buy a new car with a car loan. Normally, if you total your car in the first year or so after purchasing it, you will receive a check for its depreciated value, which may be less than you owe on the loan. Gap insurance is designed to fill in the “gap” between what you owe and the car’s actual cash value.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Nissan of the following model types, commute five days a week and drive 12,000 miles annually:

  • Nissan Altima

These are sample rates and should only be used for comparative purposes.

Written by
Mary Van Keuren
Insurance Contributor
Mary Van Keuren has written for insurance domains such as Bankrate.com, Coverage.com and Thesimpledollar.com for the past five years, specializing in home and auto insurance. She has also written extensively for consumer websites including reviews.com and myslumberyard.com. Prior to that, she worked as a writer in academia for several decades.
Edited by
Insurance Editor