Vehicles > Nissan > Altima

Nissan Altima Insurance Rates

Finding cheaper car insurance through online rate quotes is easy, plus you can save money. The key is to get rates from all providers in order to have the cheapest rate quotes.

Consumers who are new to the process of buying insurance may think finding affordable Altima insurance is going to be difficult. There are several ways to compare rate quotes from local car insurance companies. The recommended way to compare Altima insurance cost is to perform an online rate comparison. This can be done by comparing rates here.

FREE Car Insurance Comparison

Premiums are calculated by these things

Car insurance premiums paid to insure a Nissan Altima can fluctuate considerably based upon several criteria. Including but not limited to:

  • Your driving record
  • Credit rating impacts rates
  • Male drivers pay higher rates
  • Deductible amount directly impacts your rate
  • Crash test rating for your Altima
  • Your occupation
  • Your coverage level
  • Home ownership saves money

An additional factor which can affect Altima insurance rates is the year of the vehicle. Models that are a few years old have a lower value than newer models so the costs to repair will push premiums down. On the flip side, new Nissan models may have safety features like dual-stage airbags, all-wheel drive, blind-spot warning system, and tire pressure monitors which may lower rates.

For you to have a better understanding of how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Auto liability - Liability insurance provides protection from damage or injury you incur to a person or their property that is your fault. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so you should buy as high a limit as you can afford.

Collision coverage - This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from older vehicles. You can also raise the deductible to get cheaper Altima insurance rates.

Comprehensive auto coverage - This pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage. The most your car insurance company will pay is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when other motorists either have no liability insurance or not enough. Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments and PIP coverage - Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as EMT expenses, pain medications, and nursing services. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. PIP is not universally available and gives slightly broader coverage than med pay.

How Much are Nissan Altima Insurance Rates?