+120 more*These quotes are from Compare.com users within the last 10 days. Updated on October 16, 2026
*These quotes are from Compare.com users within the last 10 days. Updated on October 16, 2026
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Ben Luthi is a Utah-based insurance writer for Compare.com. With more than a decade of experience covering various insurance and personal finance topics, Ben is passionate about helping people make smart decisions with their money. His work has appeared on a variety of well-known personal finance websites, including the Wall Street Journal, Fortune, Credit Karma, Yahoo! Finance, Experian, NerdWallet, Insurify, and many more.
Ben has been writing for Compare.com since 2025.
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3+ years editing insurance content
10+ years in content creation
Lequita's extensive editorial experience spans insurance, personal finance, higher education, and more.
){kind=small}
Licensed property and casualty insurance agent
10+ years editing insurance content
NPN: 20461358
A licensed agent for more than four years, John reviews and fact-checks articles for Compare.com.
Updated
On average, Nissan Altima owners can expect to pay $180 per month for insurance coverage, which is roughly 8% higher than the national average for all vehicles.
USAA offers the cheapest coverage for the Nissan Altima, with an average monthly premium of $67.
The model’s above-average claim frequency and loss payouts keep premiums relatively high, despite its stellar safety ratings.[1] [2]
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. It typically includes bodily injury and property damage liability, which help pay for injuries to others if you cause an accident.
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 Liability Premium | Average Full-Coverage Premium | Overall Average Premium |
|---|---|---|---|
| Nissan Altima | $124 | $236 | $180 |
| All vehicles | $116 | $216 | $166 |
Nissan Altima drivers pay an average of $124 per month for liability coverage and $236 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 insurers in the table below offer rates well below the average for Altimas, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $67 |
| State Farm | $73 |
| Allstate | $95 |
| American Family | $102 |
| GEICO | $121 |
| CSAA | $143 |
| Nationwide | $123 |
| Progressive | $132 |
| Travelers | $128 |
| Farmers | $143 |
| 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. | 4.5 /5 |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.8 | 3.2 |
| Customer service | 4.6 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA tops our list as one of the best insurers for Nissan Altima drivers, primarily due to its affordable premiums and excellent customer service and claims handling support. The company also offers up to 30% savings through its telematics program, SafePilot. Drivers should note that USAA offers fewer optional add-ons than its competitors.
High J.D. Power customer and claims satisfaction ratings
Lower-than-average rates
Great telematics discount
Coverage limited to military members and family
Fewer customization options
Custom parts coverage not available
| User Reviews | 3.9 |
|---|---|
| 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. | 4.7 /5 |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.5 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.3 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Nissan Altima drivers will receive personalized local support, thanks to State Farm’s extensive network of local agents. State Farm offers a range of discounts, including savings for bundling multiple policies, and a seamless claims experience. But new Altima owners who want new car replacement coverage or gap coverage may want to look elsewhere.
High claims satisfaction[3]
Personalized service from local agents
Multiple available discounts
No gap insurance available
Mixed customer service scores
New car replacement available
| User Reviews | 3.6 |
|---|---|
| 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. | 4.5 /5 |
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 4.3 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 4.4 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 4.1 | 2.9 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate offers a range of coverage options, including gap insurance, accident forgiveness, and deductible rewards. While the company earns below-average customer service and claims experience scores, it performs above the industry average for its usage-based insurance programs, according to J.D. Power’s 2025 Auto Insurance Study.
Accident forgiveness available
Usage-based savings programs
Deductible rewards programs
Below-average claims satisfaction
Customer satisfaction varies by region
Few available add-ons
Get the coverage you need for your Accord at the best price.
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 |
|---|---|
| 2025 | $217 |
| 2024 | $217 |
| 2023 | $217 |
| 2022 | $217 |
| 2021 | $209 |
| 2020 | $200 |
| 2019 | $196 |
| 2018 | $189 |
| 2017 | $185 |
| 2016 | $180 |
| 2015 | $176 |
| 2014 | $173 |
| 2013 | $165 |
| 2012 | $160 |
| 2011 | $156 |
| 2010 | $153 |
| 2009 | $148 |
| 2008 | $146 |
| 2007 | $144 |
| 2006 | $142 |
| 2005 | $138 |
| 2004 | $135 |
| 2003 | $133 |
| 2002 | $134 |
| 2001 | $134 |
| 2000 | $132 |
Company | Average Monthly Premium |
|---|---|
| USAA | $117 |
| State Farm | $130 |
| Allstate | $166 |
| American Family | $176 |
| GEICO | $181 |
Company | Average Monthly Premium |
|---|---|
| USAA | $117 |
| State Farm | $130 |
| Allstate | $166 |
| American Family | $176 |
| GEICO | $181 |
Company | Average Monthly Premium |
|---|---|
| USAA | $117 |
| State Farm | $130 |
| Allstate | $165 |
| American Family | $176 |
| GEICO | $181 |
Company | Average Monthly Premium |
|---|---|
| USAA | $117 |
| State Farm | $130 |
| Allstate | $165 |
| American Family | $176 |
| GEICO | $181 |
Company | Average Monthly Premium |
|---|---|
| USAA | $113 |
| State Farm | $126 |
| Allstate | $159 |
| American Family | $170 |
| GEICO | $175 |
Company | Average Monthly Premium |
|---|---|
| USAA | $108 |
| State Farm | $120 |
| Allstate | $152 |
| American Family | $162 |
| GEICO | $167 |
Company | Average Monthly Premium |
|---|---|
| USAA | $106 |
| State Farm | $117 |
| Allstate | $149 |
| American Family | $159 |
| GEICO | $163 |
Company | Average Monthly Premium |
|---|---|
| USAA | $102 |
| State Farm | $113 |
| Allstate | $144 |
| American Family | $153 |
| GEICO | $157 |
Company | Average Monthly Premium |
|---|---|
| USAA | $100 |
| State Farm | $111 |
| Allstate | $141 |
| American Family | $150 |
| GEICO | $154 |
Company | Average Monthly Premium |
|---|---|
| USAA | $97 |
| State Farm | $108 |
| Allstate | $137 |
| American Family | $146 |
| GEICO | $150 |
Company | Average Monthly Premium |
|---|---|
| USAA | $95 |
| State Farm | $105 |
| Allstate | $134 |
| American Family | $143 |
| GEICO | $146 |
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.[4]
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 | $149 |
| Arizona | $158 |
| Arkansas | $171 |
| California | $193 |
| Colorado | $193 |
| Connecticut | $268 |
| Delaware | $225 |
| Florida | $209 |
| Georgia | $240 |
| Hawaii | $119 |
| Idaho | $99 |
| Illinois | $149 |
| Indiana | $123 |
| Iowa | $101 |
| Kansas | $140 |
| Kentucky | $186 |
| Louisiana | $201 |
| Maine | $132 |
| Maryland | $286 |
| Massachusetts | $142 |
| Michigan | $217 |
| Minnesota | $164 |
| Mississippi | $142 |
| Missouri | $171 |
| Montana | $140 |
| Nebraska | $136 |
| Nevada | $238 |
| New Hampshire | $83 |
| New Jersey | $254 |
| New Mexico | $136 |
| New York | $207 |
| North Carolina | $83 |
| North Dakota | $110 |
| Ohio | $116 |
| Oklahoma | $161 |
| Oregon | $144 |
| Pennsylvania | $152 |
| Rhode Island | $207 |
| South Carolina | $230 |
| South Dakota | $130 |
| Tennessee | $134 |
| Texas | $206 |
| Utah | $141 |
| Vermont | $135 |
| Virginia | $169 |
| Washington | $160 |
| District of Columbia | $296 |
| West Virginia | $139 |
| Wisconsin | $114 |
| Wyoming | $106 |
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).[5] 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 |
|---|---|
| Teens | $346 |
| Adults | $180 |
| Seniors | $155 |
Teen and young adult drivers face some of the highest insurance costs on the road, and Nissan Altima owners are no exception. Drivers under 25 make up 11.1% of all drivers, but they account for nearly 18% of drivers in fatal accidents, according to the Insurance Information Institute (Triple-I).[6]
Because rates for younger drivers vary widely between companies, comparing car insurance quotes is one of the best ways to keep costs in check. Let’s take a look at the cheapest companies for Altima drivers younger than 25, according to our data.
Category | Price |
|---|---|
| USAA | $155 |
| State Farm | $173 |
| Allstate | $219 |
| GEICO | $240 |
| CSAA | $264 |
Older drivers often enjoy lower insurance premiums, thanks to decades of driving experience and generally safer driving habits. Research from the Insurance Institute for Highway Safety shows that drivers in their 70s have fewer fatal crash involvements per licensed driver than many middle-aged groups.[7]
Since insurers may also offer senior-specific discounts, shopping around can help you find even lower rates. Here are the insurers with the lowest average monthly premiums for Nissan Altima senior drivers, according to our research.
Category | Price |
|---|---|
| USAA | $82 |
| State Farm | $92 |
| Allstate | $116 |
| GEICO | $128 |
| CSAA | $140 |
A driver’s record plays a major role in determining car insurance costs. Traffic violations and serious offenses place you in a higher-risk category with insurers, often triggering premium increases that last for years.
For example, a speeding ticket can raise an Altima driver’s premium by about 34%, while a DUI causes it to spike by 68%
Below is a breakdown of how different types of violations affect average monthly Nissan Altima insurance costs, based on our data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $180 |
| Speeding ticket | $241 |
| At-fault accident | $257 |
| DUI | $302 |
Speeding remains a major contributor to roadway fatalities, accounting for 29% of traffic deaths in 2023, according to the NHTSA. Because speeding increases the likelihood of severe crashes, insurers typically respond with higher premiums. The size of the increase depends on how fast you’re traveling and the posted speed limit at the time of the violation.
Since insurers treat speeding violations differently, comparing quotes is key. Our data shows that these companies offer the best rates for Nissan Altima drivers after a speeding ticket.
Category | Price |
|---|---|
| USAA | $125 |
| State Farm | $135 |
| Allstate | $178 |
| GEICO | $201 |
| CSAA | $201 |
Causing a crash signals to insurers that you present a higher level of risk, typically resulting in higher premiums for about three years, according to Triple-I. While most insurers raise rates after an accident, some place less weight on past claims than others.
Shopping around can help identify companies that are more forgiving. Check out the cheapest car insurance companies for Nissan Altima drivers after an at-fault accident, according to our data.
Category | Price |
|---|---|
| USAA | $127 |
| State Farm | $138 |
| Allstate | $178 |
| GEICO | $181 |
| CSAA | $242 |
A DUI is one of the most serious offenses, often triggering the largest premium increases and, in some cases, making a driver ineligible with certain companies.
That said, some insurers specialize in high-risk drivers and may offer more competitive pricing. Because rates vary widely, comparing multiple quotes is essential. The following companies provide the most affordable Nissan Altima insurance for drivers with a DUI, according to Compare.com data.
Category | Price |
|---|---|
| USAA | $142 |
| State Farm | $158 |
| Allstate | $200 |
| GEICO | $205 |
| CSAA | $241 |
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The cost of insuring a Nissan Altima depends on several vehicle-specific and driver-specific factors. Below are just a few of the factors insurers consider when setting rates:
Vehicle value: The MSRP for the 2025 Nissan Altima starts at $27,000. But higher-priced trims cost more to repair or replace, which can increase premiums.
Safety features and crash-test performance: The Altima’s strong safety ratings and safety features like collision warnings, 360 cameras, and automatic emergency braking can help lower your insurance costs.
Theft risk: While the Altima doesn’t rank among the most stolen vehicles in recent National Insurance Crime Bureau (NICB) reports, theft rates can vary by state and still affect pricing.
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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 $180 per month, while the national average rate for all vehicles is $166. Remember, these are just averages — your exact policy costs depend on various factors, such as your age, location, and driving record.
USAA is the cheapest auto insurance company for a Nissan Altima, with an average rate of $67 per month, according to our data. Still, you should compare rates because not every driver will qualify for USAA coverage. State Farm and Allstate also offer affordable rates, at $73 and $95 per month, respectively.
Car insurance for a 2025 Nissan Altima costs around $217 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 Rogue is the cheapest Nissan to insure, with an average monthly rate of $151, 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.
Ben Luthi is a Utah-based insurance writer for Compare.com. With more than a decade of experience covering various insurance and personal finance topics, Ben is passionate about helping people make smart decisions with their money. His work has appeared on a variety of well-known personal finance websites, including the Wall Street Journal, Fortune, Credit Karma, Yahoo! Finance, Experian, NerdWallet, Insurify, and many more.
Ben has been writing for Compare.com since 2025.
3+ years editing insurance content
10+ years in content creation
Lequita's extensive editorial experience spans insurance, personal finance, higher education, and more.
Licensed property and casualty insurance agent
10+ years editing insurance content
NPN: 20461358
A licensed agent for more than four years, John reviews and fact-checks articles for Compare.com.
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
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