Car Insurance Cost 2022

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Nissan Altima car insurance at a glance:

• Average auto insurance premium for a 30-year-old driver: $1,946
• Most affordable insurance companies for Nissan Altima insurance: USAA, Nationwide and Geico
• Cheapest state for Altima insurance: Vermont
• Most expensive state for Altima insurance: Louisiana

The Forbes Wheels team has judged the Nissan Altima to be a solid choice but lacking in thrills.

Still, if you want a reliable sedan for everyday driving, you may be considering an Altima. Insurance costs should be a part of your budget calculation. Here we look at average insurance costs for a Nissan Altima.

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Nissan Altima Insurance Costs by Company

Nissan Altima owners can potentially save hundreds of dollars a year by shopping around for car insurance quotes. Among the large insurance companies we analyzed, USAA offers the cheapest car insurance for a Nissan Altima. If you don’t qualify for USAA car insurance as a military member, veteran or family member, Nationwide and Geico are the next cheapest choices in our analysis.

Company	Average Nissan Altima insurance cost per year
USAA*	$1,323
Nationwide	$1,537
Geico	$1,559
State Farm	$1,635
Erie	$1,768
Auto-Owners	$1,809
Travelers	$1,871
American Family	$2,144
Progressive	$2,263
State Auto	$2,488
Farmers	$2,584
Allstate	$2,593
Shelter	$2,608
*USAA is available only to military members, veterans and their families

Related: The best car insurance companies

Nissan Altima Insurance Costs by State

State variations in Nissan Altima insurance costs are due to state regulations, past claims in the state, repair costs, medical costs and more. Louisiana is the most expensive state for Nissan Altima auto insurance.

State	Average Nissan Altima insurance cost	% difference from average
Alaska	$1,821	-6%
Alabama	$1,910	-2%
Arkansas	$1,978	2%
Arizona	$1,782	-8%
California	$2,906	49%
Colorado	$2,632	35%
Connecticut	$1,844	-5%
Delaware	$2,152	11%
Florida	$3,245	67%
Georgia	$1,848	-5%
Iowa	$1,551	-20%
Idaho	$1,301	-33%
Illinois	$1,885	-3%
Indiana	$1,644	-16%
Kansas	$1,873	-4%
Kentucky	$2,439	25%
Louisiana	$3,307	70%
Hawaii	$1,466	-25%
Massachusetts	$2,001	3%
Maryland	$2,186	12%
Maine	$1,186	-39%
Michigan	$2,777	43%
Minnesota	$1,752	-10%
Missouri	$2,250	16%
Mississippi	$2,111	8%
Montana	$1,897	-3%
North Carolina	$1,754	-10%
North Dakota	$1,726	-11%
Nebraska	$2,310	19%
New Hampshire	$1,314	-32%
New Jersey	$2,151	11%
New Mexico	$1,805	-7%
Nevada	$2,274	17%
New York	$1,982	2%
Ohio	$1,385	-29%
Oklahoma	$1,971	1%
Oregon	$1,758	-10%
Pennsylvania	$2,063	6%
Rhode Island	$1,985	2%
South Carolina	$1,650	-15%
South Dakota	$1,987	2%
Tennessee	$1,685	-13%
Texas	$2,234	15%
Utah	$1,785	-8%
Virginia	$1,631	-16%
Vermont	$1,164	-40%
Washington	$1,527	-22%
Wisconsin	$1,576	-19%
West Virginia	$1,870	-4%
Wyoming	$1,975	2%
Average for all states	$1,946

Cost of Insurance for a Nissan Altima Based on Driver Age

The cheapest age for insuring a Nissan Altima is age 60, according to Forbes Advisor’s analysis of rates.

Females and males pay about the same to insure a Nissan Altima. For example, 40-year-old women drivers pay only $11 less per year than 40-year-old men.

The most expensive age to insure an Altima is age 20 and under. Two decades later, at age 40, the Altima insurance cost is more than 50% cheaper.

Driver age	Average cost of Nissan Altima insurance per year
Age 20	$3,755
Age 30	$1,946
Age 40	$1,828
Age 50	$1,719
Age 60	$1,651
Age 70	$1,801
Age 80	$2,225

Many factors can go into determining an individual’s insurance rate. That includes your driving record, location (or the garaging address), personal versus business use of the vehicle, annual mileage, a credit-based insurance score (poor credit risks pay more), your past claims, any recent lapse in auto insurance coverage, the type of vehicle, and the type and amount of insurance coverage chosen.

Related: 9 Factors That Affect Your Car Insurance Rates

Nissan Altima Insurance vs. Similar Cars

If you’re shopping for an Altima, you might also be considering a Honda Accord, Hyundai Sonata or Kia K5. Among these models, the Altima is the most expensive to insure, on average, but not by very much. Insurance shouldn’t be a factor in your car-buying decision among these vehicles.

2022 model	Average insurance cost per year	Cost difference compared to an Altima
Nissan Altima	$1,946
Honda Accord LX	$1,763	-9%
Hyundai Sonata SE	$1,930	-1%
Kia K5 LX	$1,889	-3%
Based on a 30-year-old driver with a good driving record

How to Save Money on Nissan Altima Car Insurance

Here are some tips to lower your car insurance costs:

• Comparison shopping. Not all companies price their policies the same. The best way to save is to compare car insurance quotes among several different insurance companies.
• Buy the right amount of car insurance. If you buy too little insurance, you’ll be underinsured. But if you buy too much, you’re overpaying. Here’s how to determine how much car insurance you need.
• Ask for discounts. Insurers offer all sorts of car insurance discounts you may be eligible for, such as good driver discounts, good student discounts, pay-in-full discounts and multi-policy discounts.
• Participate in a telematics program. Many insurers offer usage-based car insurance programs that track driving behaviors and offer discounts to safe drivers.
• Consider a higher deductible. Your car insurance deductible is the amount that is deducted from your insurance check if you file a car insurance claim under your collision or comprehensive coverage. Common deductible amounts range from $100 to $1,000. The higher your deductible, the less you’ll pay in car insurance premiums.
• Maintain good credit. Insurers in 46 states allow for the use of credit-based auto insurance scores when setting rates. But not all companies weigh credit the same, which is why it’s so important to shop around for the best rates.

Related: Nissan Altima review

Methodology

Rates are based on drivers with a clean record with $100,000 in bodily injury liability coverage per person, $300,000 per accident and $100,000 in property damage liability, uninsured motorist coverage and any other coverage required in a state. The rate also includes collision and comprehensive coverage with a $500 deductible. Rates are from Quadrant Information Services as of June 2022.

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