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Danny Smith is a licensed property and casualty insurance agent who has written for Compare.com since 2024. A former insurance editor, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Nissan Altima car insurance is higher than average compared to all other vehicles. Altima drivers pay an average of $120 per month for liability coverage and $221 per month for full coverage, according to Compare.com data.
Insurance rates for Altimas tend to be more expensive because of more injury claims and higher repair costs after car accidents, according to data from the Insurance Institute for Highway Safety (IIHS).[1] But you can still find car insurance for less than the average, starting with Novo. The insurer offers rates well below the average — just $81 per month.
We’ll cover everything you need to know to find the cheapest rates and the best insurer for your Altima.
Nissan Altima drivers pay an average of $170 per month for auto insurance — about $18 more than the national average.
Some of the best auto insurers for the Nissan Altima include Novo, Farmers, and Mile Auto.
Altima drivers in New York pay the most for insurance, while drivers in North Carolina pay the least.
The cost of your Altima insurance will largely depend on the type of policy you buy. Liability car insurance is basic coverage that nearly all U.S. states require. But a full-coverage policy offers more protection and is often best for most drivers.
Liability coverage is cheaper than full coverage, since it covers only the other driver’s damages and injuries. Full coverage includes liability coverage plus collision insurance and comprehensive coverage to protect other drivers, you, and your vehicle.
The following table shows average monthly premiums for liability-only and full-coverage policies for the Altima and how they compare to the national average for all vehicles, according to Compare.com data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Nissan Altima | $120 | $221 | $170 |
| All vehicles | $107 | $197 | $152 |
Nissan Altima drivers pay an average of $120 per month for liability coverage and $221 per month for full coverage. Next, we’ll take a look at some of the cheapest car insurance companies for the Nissan Altima and how rates vary by different factors.
Regardless of average Nissan Altima rates, you can still find ways to save money on your car insurance premiums. The first step is to compare rates among companies.
The five insurers in the table below offer rates well below the average for Altimas, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Novo | $81 |
| Farmers | $85 |
| Mile Auto | $88 |
| Certainly | $91 |
| Apparent | $92 |
Novo is the cheapest insurer for Altima drivers, with an average monthly rate of just $81.
Keep in mind that though these insurers offer the cheapest average rates, these companies may not be the cheapest option for you. That’s why it’s critical to shop around and compare quotes from at least three different companies before buying a policy.
We’ll help you get with some of the best insurance companies for different types of Altima drivers.
Compare personalized quotes from 100+ insurance companies.
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No company will be the best insurer for every driver. After all, everyone has unique coverage needs, driving records, and financial situations.
That said, some car insurance companies stand out above the rest. We chose the following companies based on a combination of average rates for Altima, available discounts, customer ratings and reviews, and coverage options.
| User Reviews | 4.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.3 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $111/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $214/mo |
Customers appreciate the helpful staff and quality of coverage but dislike the frequent and unexplained premium increases.
Customers appreciate the helpful staff and quality of coverage but dislike the frequent and unexplained premium increases.
Farmers is the best option for Nissan Altima drivers looking for discounts. The insurer offers a whopping 18 discounts, with the potential for even more depending on the state you live in. Farmers also has insurance agents in just about every state it operates, making it easy to work with someone on your policy.
Many discounts available
Extensive insurance agent network
Available in only 42 states
Low Trustpilot rating[2]
| AM Best AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.4 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $64/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $98/mo |
Mile Auto is an excellent choice for drivers who work from home or don’t drive very often. It’s a pay-per-mile car insurance company, meaning you pay based on the number of miles you drive every month.
So, if you only drive once a week to the grocery store and walk or take public transit most everywhere else, it could be a great option. But if you drive daily or long distances, you should consider other insurers.
No required tracking device
Only pay for miles driven
Only available in seven states
Costs can climb if you drive frequently
Comparing rates could save you hundreds on car insurance.
Your vehicle’s age can affect your premiums. In most cases, the newer the car, the higher the premium. That’s because newer model years are generally worth more than older vehicles and cost more to replace.
Check out the table below to see how rates change based on your Nissan Altima’s model year, according to Compare.com data.
Altima Model Year | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| 2025 | $212 | Novo | $101 |
| 2024 | $222 | Novo | $105 |
| 2023 | $215 | Novo | $102 |
| 2022 | $210 | Novo | $100 |
| 2021 | $209 | Novo | $99 |
| 2020 | $195 | Novo | $93 |
| 2019 | $192 | Novo | $91 |
| 2018 | $173 | Novo | $82 |
| 2017 | $174 | Novo | $83 |
| 2016 | $167 | Novo | $79 |
| 2015 | $157 | Novo | $74 |
| 2014 | $156 | Novo | $74 |
Let’s take a look at how much your Nissan Altima car insurance rate can vary by state.
Where you live has a significant effect on your car insurance rates because every state has different risk factors and insurance requirements. For example, states with higher theft rates, liability requirements, larger populations, and extreme weather events may have higher rates than others.[3]
The table below shows just how widely your Nissan Altima car insurance rates can vary by state, according to Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $112 |
| Arizona | $150 |
| Arkansas | $215 |
| California | $216 |
| Colorado | $176 |
| Connecticut | $342 |
| Delaware | $208 |
| Florida | $220 |
| Georgia | $223 |
| Idaho | $113 |
| Illinois | $140 |
| Indiana | $121 |
| Iowa | $102 |
| Kansas | $138 |
| Kentucky | $220 |
| Louisiana | $203 |
| Maine | $133 |
| Maryland | $309 |
| Massachusetts | $169 |
| Michigan | $263 |
| Minnesota | $169 |
| Mississippi | $169 |
| Missouri | $165 |
| Montana | $137 |
| Nebraska | $158 |
| Nevada | $268 |
| New Hampshire | $103 |
| New Jersey | $178 |
| New Mexico | $130 |
| New York | $433 |
| North Carolina | $84 |
| North Dakota | $130 |
| Ohio | $114 |
| Oklahoma | $146 |
| Oregon | $145 |
| Pennsylvania | $147 |
| Rhode Island | $129 |
| South Carolina | $247 |
| South Dakota | $109 |
| Tennessee | $127 |
| Texas | $199 |
| Utah | $164 |
| Vermont | $122 |
| Virginia | $162 |
| Washington | $126 |
| District of Columbia | $256 |
| West Virginia | $130 |
| Wisconsin | $114 |
| Wyoming | $109 |
Your age is one of the most important rating factors for auto insurance. Younger drivers have less driving experience and tend to take more risks behind the wheel, which is why insurers consider them riskier to insure.
For example, drivers ages 15 to 20 had the highest number of fatal car accidents of any age group in 2021, according to National Highway Traffic Safety Administration (NHTSA).[4] As a result, teens pay some of the highest rates for insurance.
Here’s how much Altima drivers of different ages can expect to pay for car insurance and the cheapest insurer for each group, according to Compare.com data.
Age Group | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Teens | $321 | Novo | $152 |
| Adults | $156 | Novo | $74 |
| Seniors | $131 | Novo | $62 |
Teen Altima drivers pay the most for car insurance of any age group by a wide margin, with an average monthly premium of $321. Once you age, you’ll see your car insurance rates decrease, with senior drivers paying the least.
Regardless, our research shows that Altima owners in each age group can find the lowest rates with Novo.
Your driving record is one of the most important risk factors when it comes to your rates, but it’s one that you can control if you practice safe driving. Drivers with clean records almost always pay less than drivers with violations on their records. But high-risk drivers tend to file more claims, so insurers charge them higher rates.[5]
If you want to know how your driving record will affect your rates, check out the table below. It also highlights the cheapest insurer and its average rate, according to Compare.com data.
Driving Record | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Clean record | $170 | Novo | $81 |
| Speeding ticket | $236 | Novo | $112 |
| At-fault accident | $247 | Novo | $117 |
| DUI | $280 | Novo | $133 |
A DUI will result in some of the highest monthly premiums, with rates for a Nissan Altima jumping by an average of $110 per month after a conviction. Speeding tickets will also increase your rates, but not as much as a DUI, with rates increasing by an average of $66 per month.
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Vehicle features and options can also affect car insurance rates. Insurance companies consider a wide variety of factors when determining rates, including your vehicle’s safety features.
For example, the 2025 Nissan Altima can come with various safety features. Its ProPILOT Assist technology keeps you between the lines and safely behind the car in front of you. The Intelligent Around View Monitor feature gives you a 360-degree view to help you park, and the Intelligent Forward Collision Warning lets you know when cars ahead of you slow down.[6]
Equipping your Altima with any of these features may help reduce your insurance costs because they help reduce accident risk and potential claims.
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Even though the average rates for Nissan Altimas are higher than the national average, you can still find ways to lower your costs. Try the five tips below to get cheaper car insurance.
Maintain a clean driving record. An incident-free driving record is the best way to get low rates. Altima drivers should always drive defensively, follow the speed limit, and never drive while under the influence. Don’t give your insurer any reason to raise your rates.
Consider raising your deductible. Increasing your car insurance deductible will automatically lower your premium. But before you raise your deductible, make sure you can afford to pay it out of pocket if you file a claim.
Add safety features. The Nissan Altima has a few available safety features that you can opt for, such as ProPILOT Assist, Intelligent Around View Monitor, and Intelligent Forward Collision Warning. Buying an Altima with these features may help lower your car insurance rates.
Ask about discounts. Car insurance discounts are one of the best ways to save on insurance. Most insurers offer several discounts, so it’s worth asking which ones you qualify for. Bundling your home and auto insurance often nets you a hefty discount.
Compare car insurance quotes. Always compare quotes from at least three different car insurance companies before buying a policy. It’s the best way to ensure that you’re still getting the cheapest car insurance for your Nissan Altima.
Check rates for your Nissan and save money today.
Take a look at answers to some of the most commonly asked questions about Nissan Altima auto insurance.
Yes. Insurance for Nissan Altimas is more expensive compared to the national average. The average cost to insure an Altima is $170 per month, while the national average rate for all vehicles is $152. Remember, these are just averages — your exact policy costs depend on various factors, such as your age, location, and driving record.
Novo is the cheapest car insurance company for a Nissan Altima, with an average rate of $81 per month, according to our data. Still, you should compare rates because Novo may not be the cheapest option for your specific situation.
Car insurance for a 2025 Nissan Altima costs around $212 per month, according to Compare.com data. But your personal rate may differ depending on other factors such as your age and driving profile.
The Murano is the cheapest Nissan to insure, with an average monthly rate of $147, according to Compare.com data.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Danny Smith is a licensed property and casualty insurance agent who has written for Compare.com since 2024. A former insurance editor, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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