How much is insurance on a Nissan Altima?
A 2024 Nissan Altima runs about $2,290 a year for a typical 45-year-old, $340 more than an average car of the same age, because of more injury claims, higher crash-repair losses, more damage to others' property, and higher non-crash losses. Putting a new 16-year-old on a family policy with the Altima adds about $1,510 a year (#9 of 9 midsize four-door cars we compare).
2024 Nissan Altima (Altima), national average
about $2,290 a year (about $190 a month)
Estimated range: $1,650–$3,300. Actual quotes can fall outside it.
An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2013 Altima drops to about $1,650 (see the table below).
Priced for the 2024 Altima, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Altima's rank is the same in every state.
Why the Nissan Altima costs what it does
What HLDI reports (2022–24 models, all drivers combined)
The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. HLDI lists this model as 2 versions (Nissan Altima and Nissan Altima 4WD). Taking the middle of them, on HLDI's scale where 100 is an average car and lower is better, it reports 135 for crash repairs, 108 for non-crash damage, 133 for damage to others' property, and 164 for injury claims.
- Crash repairs (collision)fixing this car after a crashWorse than average35% worse than average7th best of the 9 midsize four-door cars we compare
- Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage8% worse than average6th best of the 9 midsize four-door cars we compare
- Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultWorse than average33% worse than average8th best of the 9 midsize four-door cars we compare
- Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costSubstantially worse than averagefiled 64% more often than average7th best of the 8 midsize four-door cars we compare
HLDI rates results within about 20% of average as “Average.”
Source: HLDI, insurance losses by make and model, 2022–24 models.
What we estimate that means for price
Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Altima comes out about 27% worse than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 10% more than average: about $1,050 a year vs $950. On the liability side, damage to others and injury claims combine to about 50% worse than average. Counting about half would go past the band insurers' own car ratings stay inside, so we hold that part at 25% more than average: $1,240 a year vs $990.
In EPA size classes, the Altima is a midsize car (gas-powered). In Highway Loss Data Institute loss tables, the Nissan Altima is benchmarked against midsize four-door cars.
- This car's repair losses run a bit above the cars we could check against real prices, so the range reaches higher.
Matched to HLDI series “Nissan Altima; Nissan Altima 4WD” (HLDI, 2022–24 models).
A used Nissan Altima, by model year
| Model year | Full coverage | Liability only | Adding a teen | Teen on their own policy |
|---|---|---|---|---|
| 2024 Altima (0–3 years old) | about $2,290 | about $1,240 | +$1,510 | about $6,560 |
 2022 Altima (4–7 years old) | about $2,160 | about $1,240 | +$1,430 | about $6,200 |
 2018 Altima (8–12 years old) | about $1,870 | about $1,070 | +$1,240 | about $5,370 |
 2013 Altima (13 or more years old) | about $1,650 | about $1,030 | +$1,090 | about $4,720 |
Our catalog covers the Nissan Altima across model years 2006–2027. Full coverage on a used 2013 Altima (13 or more years old) runs about $1,650 a year, $640 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $1,030 a year. Each photo shows that year's generation of the car. Photo credits.
All 4 versions of the 2024 Nissan Altima in our catalog (Altima AWD, Altima, Altima SL/SR and Altima SR) price within about $50 a year of each other.
On a policy of their own with a 2024 Nissan Altima, a 22–25-year-old pays about $2,970 a year ($690 more than a 45-year-old), a 26–39-year-old about $2,540, and a driver 65 and older about $2,400.
Adding a 16-year-old with a Nissan Altima
A new driver costs more with any car, and more than usual with the Nissan Altima: adding a 16-year-old raises the family bill by about $1,510 a year ($125 a month), $230 more than adding a teen with an average car of the same age. A separate policy in the 16-year-old's own name runs about $6,560 a year ($5,050 more than adding them to the family policy).
For adding a teen driver, the Nissan Altima ranks 14th most expensive out of all 121 models we track. Stepping down to a used 2013 Altima (13 or more years old) brings the teen add-on to about $1,090 a year.
That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.
Similar midsize four-door cars
Among these 9 midsize four-door cars, the Nissan Altima is the most expensive to insure. Just below it is the Kia K5, at about $2,270 a year.
2024 Toyota Camryabout $2,090 ($200 less)
2024 Hyundai Sonataabout $2,160 ($120 less)
2024 Chevrolet Malibuabout $2,250 (about the same)
2024 Kia K5about $2,270 (about the same)- 2024 Nissan Altimaabout $2,290 (this car)
Photos from Wikimedia Commons contributors. Photo credits.
What a Nissan Altima costs in your state
In six sample states, a 2024 Nissan Altima runs from about $1,590 a year in Hawaii through North Carolina, West Virginia, Arkansas and South Carolina to about $2,740 in Texas:
- Hawaiiabout $1,590/yr · +$1,050 teen
- North Carolinaabout $1,740/yr · +$1,150 teen
- West Virginiaabout $1,950/yr · +$1,290 teen
- Arkansasabout $2,060/yr · +$1,360 teen
- South Carolinaabout $2,410/yr · +$1,590 teen
- Texasabout $2,740/yr · +$1,810 teen
All 50 states and DC · Updated .
Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.