There's no denying that Nissans are some of the most popular cars on the road right now. Nissan Altima is the manufacturer's premier sedan and is one of their best-selling models in the United States. The combination of fuel efficiency, intuitive safety features, reliability, fun, and a huge number of dealerships and servicing centers has led to it being one of the most driven cars of all time .
If you're looking at purchasing a Nissan Altima or you've recently purchased one of these cars and you're looking for car insurance quotes , then we've got you covered.
Nissan Altima car insurance
Let's dive in!
Auto insurance rates for a Nissan Altima may vary anywhere in the range of $900 per year and $1,500 per year. Overall, the average cost to insure a newer Nissan Altima model is just over $117 per month or $1,404 per year. That's assuming that you're a middle-aged male driver with a clean driving record.
While rates always vary depending on so many different factors that affect them, here are some average numbers based on our research.
| Model | Monthly Cost | Yearly Cost |
|---|---|---|
| Nissan Altima 2008 | $92 | $1,100 |
| Nissan Altima 2009 | $94 | $1,124 |
| Nissan Altima 2010 | $97 | $1,160 |
| Nissan Altima 2011 | $98 | $1,176 |
| Nissan Altima 2012 | $99 | $1,193 |
| Nissan Altima 2013 | $103 | $1,234 |
| Nissan Altima 2014 | $107 | $1,278 |
| Nissan Altima 2015 | $114 | $1,363 |
| Nissan Altima 2016 | $117 | $1,398 |
| Nissan Altima 2017 | $114 | $1,363 |
| Nissan Altima 2018 | $117 | $1,398 |
| Nissan Altima 2019 | $120 | $1,442 |
| Nissan Altima 2020 | $122 | $1,461 |
| Nissan Altima 2021 | $125 | $1,494 |
| Nissan Altima 2022 | $130 | $1,560 |
| Nissan Altima 2023 | $135 | $1,620 |
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Insuring your newly purchased Altima is a relatively straightforward process. As long as you have a clean driving record, a valid license, enough experience on the road, and you're the registered driver of the car, then you shouldn't encounter any problems. Unless you're tuning your car with a bunch of aftermarket parts, then the insurance costs shouldn't differ too much.
Nissan Altimas are, by no means, the most expensive car to insure. However, they're also not the cheapest cars to insure either. That would place them somewhere in the middle range along with cars like the Volkswagen Jetta and the Chevrolet Cruze . Overall, they're fairly affordable to insure due to the fact that they have small, efficient engines, loads of safety features, four doors, and don't come in bright racing colors.
The one factor that pulls the car insurance quotes up is usually the fact that Nissan Altimas theft rate is pretty high and they are frequently stolen. While this isn't quite as common with the newer Altimas, many car insurance companies will charge extra for the average Nissan Altima that was made prior to 2015 (before all of the security/alarm features became more common with the manufacturer).
No, although the car shares some styling aspects with the popular 370 Z series (also made by Nissan), Altimas are technically considered to be four-door sedans. Although the newer Altima 2.5 S series do have a "sport mode " that you can drive in, this is only designed to stiffen the suspension, not dramatically increase speeds.
The good news about that is it means they're significantly cheaper to insure than sports cars. Family sedans typically have better safety ratings and are statistically less likely to be involved in an accident.
If you're looking to get a fair insurance rate on your Altima, then it's a good idea to understand some of the top factors that affect the average insurance premiums of these sedans. The more you know about the factors that affect car insurance rates, the better you'll be able to decide whether or not this car is for you or not.
You should always compare quotes from different insurance companies. This is the best way to see how rates compare. The most straightforward way to figure this out is simply to call different insurance companies and ask for a quote. Many of the more modern insurance providers also allow you to compare quotes online using their own on-site apps or third-party comparison programs.
Where you live plays a huge factor in your coverage costs. For instance, if you live in New York or Florida, then you'll pay a lot more than if you live out in Ohio or Nebraska where accidents aren't quite as common. Within any given state, certain zip codes may be more expensive than other areas as well. Typically, cars used in rural areas of town are less to insure than cars driven closer to the city or other high-traffic areas.
The younger you are, the more you'll have to pay for auto insurance. Even if you have a perfect driving record, you'll still pay more than an older (35 years old or more) who has more negative marks on their record.
The more safety features that come with your Altima, the better of a deal you'll get on your policy. Whether you're getting a basic liability or a full coverage policy, having safety features such as the following can decrease costs:
Driver and passenger airbags.
Anti-Locking (ABS) brakes.
Blind spot detector.
etc.
How Much Coverage You Want
The amount of coverage that you need also plays a role in your auto insurance costs. For example, if you just want basic liability and personal injury protection coverage, then auto insurance rates should be cheaper. However, if you're looking for a full coverage policy that includes collision, comprehensive, and GAP insurance , then expect your car insurance quotes to be a bit higher.
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sources:
Image:
By Kevauto - Own work, CC BY-SA 4.0, https://commons.wikimedia.org/w/index.php?curid=84048330
1 / 5
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1 / 5
I just had an appalling experience trying to cancel my Mom's AAA insurance after she developed dementia and stopped driving. They threw up every barrier to what should have been a simple process, and even refused to accept my Power of Attorney documents electronically. The representative was extremely rude and copped an attitude. I think they refuse to close accounts so they can keep fraudulently charging non-driving seniors. This is a crooked company, and nobody should do business with them.
1 / 5
On May 10, 2023, I was involved in an accident with one of USAA's clients. Everything proceeded smoothly until they decided to give me the runaround in repairing my car or compensating me for its worth. The adjuster was nowhere to be found, and it took me a couple of months to receive any response from them. They informed me that my car was a total loss and provided a specific amount they were willing to pay for it via email, stating that I could dispute it if I could find a car in the same category with the same mileage within a 100-mile radius. Unfortunately, I couldn't find an exact match, but I did find a vehicle that was one year older and one year newer, so I disputed the price they were offering. They assured me they would get back to me in a couple of weeks, but I never heard from them again. Frustrated, I took the step of filing a complaint against them with the Texas Department of Insurance and the Office of the Attorney General. However, I received no assistance beyond the insurance company responding to me and denying my dispute without providing any tangible reasoning. This was after three months of back-and-forth since my car accident, with no access to a replacement vehicle or rental car. Now, it has been five months, and they are attempting to push the responsibility onto my own insurance. These actions indicate that these individuals are playing games with people's lives, and there seems to be no one holding them accountable. It is disheartening to realize that we live in a country that is supposed to protect average citizens from being taken advantage of by large companies like USAA, but this has proven to be far from the truth. I have lost trust in the entire system, and I am determined to stop paying insurance premiums to these corporate entities that seem only interested in taking our hard-earned money every day, without delivering the support they promise.
1 / 5
I was shopping for auto insurance on 11th September 2023. Liberty took$8614 out of my bank that same night without my permission. And now they will not return my hard earned money. Every time I call ,they give me sorry excuses. And now they tell me that ,yes we took your money by fraud. Go write your congressman. But we'll give it back to you in 15 days. Meanwhile my bills are piling. Liberty Mutual stole my money. Please avoid Liberty Mutual at every cost.
1 / 5
I have dealt with many auto insurance companies in my life time but none as deceitful as AAA!! I signed up with a AAA insurance agent back in March. The premium I was would be $138/month-(all good). The agent told me I had to pay 4 months in advance so I gave my credit card to pay for the 4 months including the current month. One month later I received my monthly invoice for payment. The amount due had jumped from $138 (monthly) to $276. I called AAA and they said this was because of an accident that occurred 5 months prior where the other driver was at fault, though the case was still had yet to be closed. AAA would not accept the quoted premium of $138/month. So I shopped for a new insurance policy. A division of Farmers Insurance (Toggle) sold me their auto policy which was superior to AAA at $118/month with only $500 deductible. I canceled AAA and jumped onto the Farmers policy. I contacted AAA to cancel the policy and requested the 3 months paid in advance be reimbursed to me. I was told that I would not be reimbursed and in fact I was still responsible for the premium payment of $276 - that this payment would not be forgiven. I have since filed a claim with the BBB (Better Business Bureau) and if this fails I will take AAA to small claims court. Prior to this experience I respected the AAA name. I've learned that this company is simply TOO BIG and feel they can take advantage of their customers at will. I have since canceled EVERYTHING AAA (roadside service and an insurance policy). This big business corporation is NOT TO BE TRUSTED!!!!
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