Why Is Nissan Altima Insurance So High?

Everyone I know makes a lot less money than I do. In the past three years, I’ve made two claims, and it looks like my rate is continually going up. Is there a way I can have my rate lowered? Is it helpful to complain to the business?

In less than two minutes, find out if your auto insurance is being overcharged.

Car insurance companies use a number of variables when calculating prices. Your prices may vary depending on your age, marital status, address, and driving history.

Two claims during the last three years can result in a rate increase. You should also take your type of coverage into account when comparing your rates to those of others. Full coverage auto insurance is always more expensive than liability-only coverage.

Contacting your auto insurance provider is another option. They could be able to get you more discounts or provide you advice on how to better understand your rate.

If it doesn’t work, shopping around is the simplest approach to discover affordable auto insurance. You can quickly determine if your current carrier is giving you the best deal with the coverage you want by obtaining different quotes.

Visit Jerry if you need affordable car insurance quotes quickly. The free Jerry app collects reasonable rates, assists you in switching plans, and even cancels your old policy for you. It is a registered broker that gives end-to-end service.

Recited Symbols

The insurance costs for the Toyota Corolla and Ford Focus, both of which cost less than $19,000, are greater than those for the Ford Explorer and GMC Sierra, both of which cost more than $28,000. In every state across the nation, the largest carriers—representing 60% to 70% of the market share—were examined for their insurance premiums. Toyota

Eight of the top nine insurance values, which are used to distinguish between vehicles that are reasonably inexpensive to insure and those that are not, were offered by trucks and SUVs and were calculated by dividing the average annual cost of insurance for each vehicle by the manufacturer’s suggested retail price. This is in part because, according to the survey, these bigger cars are “less likely to be damaged in accidents” and “offer more protection for occupants.”

Of course, many motorists will pay substantially less to insure their vehicles than the average rates (car insurance, which includes coverage for both old and new cars, averages about $815 per year, according to data from the National Association of Insurance Commissioners, and varies greatly depending on where you live, your driving history, and other factors). Additionally, insurance companies provide numerous discounts.

The Nissan Altima is the most costly car to insure out of the 20 with average yearly insurance prices of $1,414. Adams claims that a portion of this is because the car is routinely stolen. It is among the most stolen cars in America, according to the National Insurance Crime Bureau’s most recent data on stolen vehicles. Nissan

Due in part to the fact that “repairing or replacing its state-of-the-art electrical components contributes to greater claim expenses,” according to Adams, the Prius is the second most costly car to insure at $1,404 annually. However, motorists might find solace in the fact that they will save money on gas every year. If drivers spend 45% of their time on the highway and 55% in the city, they will only spend $650 on petrol annually, according to Toyota, compared to the average American household’s $2,000 annual gas expenditure. Our request for comment from Toyota has not yet received a response.

A Corolla has a sticker price of little under $19,000, which appeals to drivers on a tight budget. However, of the three vehicles analyzed, only this one had insurance costs of $1,400 or more annually.

The Ford Focus has one of the highest insurance prices on this list at $1,391 a year, despite being the least expensive car on it (the suggested retail price is slightly over $18,000). Our request for comment from Ford has not yet received a response.

Is Insurance Expensive for a Nissan Altima?

The price of insurance for a specific model is determined by a variety of factors by insurance providers.

Rates are higher for pricey models, those with high rates of theft, and vehicles with powerful engines, which may enhance their likelihood of being involved in an accident.

Nissan Altimas are affordable vehicles with low horsepower, making them relatively cheap to insure. The car has relatively low potential repair expenses, and compared to many other models, it is less likely to be in an accident. These aspects are what cause its comparatively low insurance cost.

Nissan Insurance: The Price of Each Model’s Insurance

The average annual insurance cost for a 2022 Nissan is $2,636; however, there is a more than $600 variance between variants.

The least expensive Nissans to insure are the Frontier truck, Rogue SUV, and Versa subcompact sedan. The most expensive vehicles are the 370Z sports car, the GT-R sports car, and the Maxima luxury sedan.

Your insurance costs will also be influenced by your age, and younger drivers should anticipate paying more for Nissan insurance. Even if the younger driver has a perfect record, an 18-year-old will pay more than three times as much as a 30-year-old.

High Theft Rates Drive Up Insurance Prices

The fact that some Nissan models are well-liked by thieves is one of the main factors that raises the cost of insurance a little. Models like the Altima and the Maxima are stolen fairly frequently, according to the National Insurance Crime Bureau’s state-by-state top-ten lists. It appears that 1990s models are the main targets of thieves. This auto manufacturer’s automobiles are slightly more expensive to insure since these figures make insurers uneasy.


Cars that are “newer” or brand new always cost extra to insure. They are more valuable, hence more coverage is “required” as a result. Although insurance is a scam, we must have it.

How to reduce your premium:

– Inquire with your insurance provider about other possible pricing reductions. They will often make an effort to assist you.

Comparing Altima insurance to that of other cars

In the midsize car segment, the Nissan Altima is rated as the 11th most affordable car to insure out of 13 comparative vehicles. Full coverage insurance for the Altima is $1,706 per year, while the sector median premium is $1,589 per year, a difference of just $117 per year.

2022 Nissan Altima auto insurance is $204 more expensive annually than Toyota Camry, $118 more expensive than Honda Accord, $104 more expensive than Tesla Model 3, and $122 more expensive than Chevrolet Malibu when compared to the top-selling comparable midsize cars.

In terms of affordability, the following table compares the typical Altima insurance premiums to those of the other midsize cars on the market in 2022.

Table Information: The average prices are based on a 40-year-old married male driver with a spotless driving record and no accidents for which he was at fault. The average policy premium for all vehicle trim levels includes safe driver and claim-free reductions. Rates are averaged across all states in the US, and physical damage deductibles for full coverage are $500. Information last changed on September 27, 2022.

  • To save money, look into discounts. Discounts may be given for policyholders who are members of specific professional organizations, cover multiple vehicles under one policy, are devoted clients, are homeowners, or qualify for a variety of additional discounts that might result in annual savings of up to $290 for the typical driver.
  • For insurance, high-risk drivers must pay much more. Having to purchase a high-risk insurance policy can push up the price for a 20-year-old driver’s policy by $2,646 or more annually.
  • Obtain lower rates thanks to your employer. The vast majority of auto insurance companies give discounts to people who work as doctors, lawyers, police officers, members of the armed forces, elementary and high school teachers, college professors, and other professions. Depending on the policy coverages chosen, applying this discount to your policy could result in annual savings on auto insurance of between $51 and $159 for you.
  • Drive defensively and save money. A few at-fault incidents can significantly increase rates, up to $2,396 for a 20-year-old driver and $528 for a 60-year-old motorist annually.
  • Teenage insurance premiums can be very high. For a 16-year-old driver, full coverage Altima car insurance costs $6,190 year; for a 17-year-old driver, $5,768 annually; and for an 18-year-old driver, $5,380 annually.

Is a Nissan Altima’s insurance pricey?

Main Points In comparison to the average automobile model, the Nissan Altima has an annual insurance cost of $1,323 as opposed to $1,427. Depending on the company, Nissan Altima insurance prices might vary by $617 annually. Depending on how old your car is, Nissan Altima insurance quotes might vary by as much as $431 annually.

How much does insurance cost for an Altima 2010?

the vehicle’s age For instance, the cost of auto insurance for a 2020 Nissan Altima is $1,446, whereas that of a 2010 Nissan Altima is $1,174, a $272 difference.

What is the Nissan Altima’s prevalent problem?

Engine Stagnation One of the most frequent complaints from Nissan Altima owners is this problem. Many incidents have occurred while they were travelling on the road, while other people have reported the engine stopping while the automobile was at a stop.

Are Nissan Altima vehicles dependable?

How Reliable Is the Nissan Altima? The projected reliability rating for the 2022 Nissan Altima is 85 out of 100. J.D. Power predicts that reliability scores will range from 91 to 100, with 91 to 100 being the best, 81 to 90 being great, 70 to 80 being medium, and 0-69 being fair and below average.

Is buying a Nissan Altima worthwhile?

Is the Nissan Altima a Reliable Vehicle? The Altima is a good mid-sized vehicle with strong motors, great fuel efficiency, a smooth ride, and cozy seats. It has a 9.6 out of 10 safety rating and is capable of handling slippery roads.

What does a Nissan Altima have high mileage?

The Nissan Altima has a lifespan of between 250,00 and 300,000 miles, which, when multiplied by the yearly mileage of the average driver, translates to 15 to 20 years. Nissan Altimas frequently have a lifespan of over 300,000 miles, depending on factors like maintenance and driving technique.

Is repairing a Nissan Altima expensive?

During the first ten years of use, a Nissan Altima will need to be repaired and maintained at a cost of around $5,561.

This is $1,535 less than the industry average for popular sedan models. Additionally, there is a 16.43% risk that an Altima will need a significant repair at that time. Compared to competing automobiles in this segment, this is 5.07% better. The following graph shows how these expenses and the likelihood of repairs will rise over time.


Greater than a Nissan Altima is what?

In comparison to the Altima, the Maxima is an inch wider, an inch longer, and an inch shorter. The Altima really has more internal room despite the Maxima’s smoother outward styling giving it the appearance of being a much larger car in photographs.

Are Nissan Altimas fuel-efficient?

The Nissan Altima’s fuel-economy rating will vary slightly depending on the trim level and configuration. The S trim of this sedan, which comes with front-wheel drive (FWD), has the best rating according to the EPA, which is assessed at 28 city and 39 highway MPG. However, any trim level of this car may achieve remarkable fuel economy. 1

There are nine different trim options for the Nissan Altima, some of which are available with front-wheel drive and others with all-wheel drive (AWD). These trims have a lot to offer in terms of FWD. The EPA estimated 27 city and 37 highway MPG for the SV, SR, and SL grades. 1 The Altima’s SR VC-TurboTM trim, which has an EPA-estimated 25 city and 34 highway MPG, isn’t far behind the other trims. 1

However, there are four potent models to take into consideration if you’re looking for something with the added traction and control that comes with AWD.

Is a Nissan Altima a reliable vehicle for a teen?

Our list of the greatest selections for teenagers is headed by the Nissan Altima. Both the 2019 and 2020 Nissan Altima models received the highest ratings possible in every crash-test category, earning them recognition as IIHS Top Safety Picks. This trend of safety excellence is shown by the repeated success. Intelligent protection is embodied by the ProPILOT AssistTM technology that will be standard starting in 2019. Based on the current traffic flow, this feature automatically modifies the acceleration, braking, and steering. By automatically applying brake pressure when the system detects an impending collision in either direction, the Rear Automatic Braking in conjunction with the enhanced Automatic Emergency Braking helps to avoid crashes.