Best Nissan Altima Car Insurance in 2026 (Top 10 Companies Ranked)

The best Nissan Altima car insurance providers are State Farm, Geico, and Erie. State Farm is the top pick overall, known for excellent customer service. Geico offers customizable plans, while Erie provides 24/7 support.

This article covers average insurance costs, factors influencing rates, and tips for saving money on your Nissan Altima insurance. Discover how driver age, location, and driving records impact premiums and find the best Nissan Altima car insurance. Obtain further insights from our “Best Nissan Car Insurance Rates.”

Our Top 10 Company Picks: Best Nissan Altima Car Insurance

 

If you want affordable Nissan Altima car insurance, you can start comparing quotes for Nissan Altima car insurance rates from some of the best car insurance companies by using our free online tool now.

#1 – State Farm: Top Overall Pick

Pros

• Wide Range of Discounts: State Farm offers various discounts for Nissan Altima car insurance, including a multi-vehicle discount up to 18%, making it cost-effective for families with multiple cars.
• Strong Network of Agents: With numerous local agents available, Nissan Altima owners can easily find personalized support and service for their car insurance needs. Check out our State Farm car insurance review for more details.
• Comprehensive Coverage Options: State Farm provides extensive coverage options that cater specifically to the needs of Nissan Altima owners, ensuring thorough protection.

Cons

• Potential Rate Increases: Some Nissan Altima owners report unexpected rate increases, which can make budgeting for insurance more challenging.
• Limited Online Tools: Compared to other providers, State Farm’s online tools for managing Nissan Altima insurance may be less advanced, potentially making it harder to handle policy updates and claims online.

#2 – Geico: Best for Custom Plan

Pros

• Superior Financial Strength: With an A++ rating from A.M. Best, Geico provides robust financial stability, ensuring reliable claims payout for Nissan Altima insurance.
• Customizable Plans: Geico offers highly customizable insurance plans, allowing Nissan Altima owners to tailor their coverage to specific needs and preferences.
• Affordable Rates: Geico is known for competitive rates on car insurance, making it a cost-effective option for Nissan Altima owners. Explore our Geico car insurance review for more insights.

Cons

• Limited Local Agents: Geico primarily operates online and over the phone, which can be less personal compared to companies with a strong network of local agents.
• Discount Restrictions: While offering a 15% multi-vehicle discount, Geico may have stricter eligibility requirements for some discounts, potentially limiting savings opportunities for some Nissan Altima owners.

#3 – Erie: Best for 24/7 Support

Pros

• 24/7 Customer Support: Erie provides round-the-clock support, ensuring Nissan Altima owners can get help with their car insurance at any time. Please review our Erie car insurance review for additional information.
• Excellent Financial Rating: With an A+ rating from A.M. Best, Erie is financially stable, offering peace of mind regarding claim payouts for Nissan Altima insurance.
• Personalized Service: Erie’s local agents provide a high level of personalized service, beneficial for Nissan Altima owners seeking tailored insurance solutions.

Cons

• Limited Availability: Erie operates in fewer states compared to some major competitors, which can restrict accessibility for Nissan Altima owners across the country.
• Fewer Discounts: Erie’s multi-vehicle discount is 12%, lower than some competitors, which might result in higher overall insurance costs for Nissan Altima owners with multiple vehicles.

#4 – Farmers: Best for Local Agents

Pros

• Strong Local Presence: Farmers has a robust network of local agents, offering Nissan Altima owners accessible, in-person support for their car insurance needs.
• Good Financial Stability: With an A rating from A.M. Best, Farmers ensures reliable financial backing for claims related to Nissan Altima insurance. Explore our Farmers car insurance review for additional insights.
• Comprehensive Coverage Options: Farmers provides a wide range of add-on coverages, allowing Nissan Altima owners to enhance their car insurance protection.

Cons

• Higher Premiums: Farmers’ car insurance premiums may be higher compared to other providers, potentially increasing costs for Nissan Altima owners.
• Moderate Multi-Vehicle Discount: Offering a 14% discount, Farmers’ multi-vehicle savings are not as high as some competitors, which may impact overall savings for Nissan Altima owners with more than one vehicle.

#5 – AAA: Best for Online App

Pros

• Convenient Online Tools: AAA provides a robust online app for managing Nissan Altima car insurance, making it easy for owners to handle policy details and claims digitally.
• Solid Financial Rating: With an A rating from A.M. Best, AAA is financially dependable, ensuring claim reliability for Nissan Altima insurance. Please read our AAA car insurance review for more information.
• Wide Range of Discounts: AAA offers various discounts, including a 17% multi-vehicle discount, benefiting Nissan Altima owners with multiple cars.

Cons

• Membership Requirement: To access AAA insurance, Nissan Altima owners must be members, which involves an additional annual fee that might not be appealing to everyone.
• Mixed Customer Service Reviews: Some customers report inconsistent service experiences, which can impact satisfaction for Nissan Altima owners needing support for their insurance.

#6 – Allstate: Best for Add-on Coverages

Pros

• Comprehensive Add-On Coverages: Allstate offers extensive add-on coverages, allowing Nissan Altima owners to customize their car insurance with options like roadside assistance and accident forgiveness.
• Strong Financial Rating: Allstate holds an A+ rating from A.M. Best, ensuring robust financial health and reliable claims processing for Nissan Altima insurance.
• Generous Discounts: With a 19% multi-vehicle discount, Allstate provides significant savings opportunities for Nissan Altima owners with multiple cars. Check out our Allstate car insurance review for additional details.

Cons

• Higher Premium Costs: Allstate is known for higher premium rates, which can make Nissan Altima insurance more expensive compared to other providers.
• Complex Policies: Allstate’s policy options and add-ons can be complex, potentially making it challenging for Nissan Altima owners to navigate and select the best coverage options.

#7 – USAA: Best for Military Savings

Pros

• Exclusive Military Discounts: USAA offers significant savings for military members and their families, making it a great option for Nissan Altima owners with a military background.
• Top Financial Stability: With an A++ rating from A.M. Best, USAA ensures excellent financial reliability for claims on Nissan Altima insurance.
• Superior Customer Service: USAA is renowned for its outstanding customer service, providing exceptional support for Nissan Altima owners. For further information, read our USAA car insurance discounts.

Cons

• Membership Restrictions: USAA insurance is only available to military members and their families, limiting access for the general population of Nissan Altima owners.
• Fewer Physical Locations: USAA has limited physical branches, which can be inconvenient for Nissan Altima owners preferring in-person service.

#8 – Nationwide: Best for Usage Discount

Pros

• Usage-Based Discounts: Nationwide offers usage-based insurance options, which can provide substantial savings for low-mileage Nissan Altima owners.
• Strong Financial Rating: With an A+ rating from A.M. Best, Nationwide ensures reliable financial backing for Nissan Altima insurance claims. For more information, please refer to our Nationwide car insurance discounts.
• Robust Online Tools: Nationwide’s online platform is user-friendly, making it easy for Nissan Altima owners to manage their insurance policies and claims.

Cons

• Mixed Customer Reviews: Some Nissan Altima owners report varying experiences with customer service, which can impact satisfaction with Nationwide insurance.
• Average Multi-Vehicle Discount: Nationwide offers a 16% multi-vehicle discount, which is competitive but not the highest among providers, potentially limiting savings for some Nissan Altima owners.

#9 – Liberty Mutual: Best for Customizable Policies

Pros

• Customizable Policies: Liberty Mutual provides highly customizable insurance policies, allowing Nissan Altima owners to tailor their coverage to specific needs.
• Solid Financial Health: With an A rating from A.M. Best, Liberty Mutual is financially stable, ensuring reliable claims payout for Nissan Altima insurance. To find out more, please refer to our Liberty Mutual car insurance discounts.
• Innovative Programs: Liberty Mutual offers unique programs, such as accident forgiveness and new car replacement, enhancing value for Nissan Altima owners.

Cons

• Higher Premiums: Liberty Mutual’s premiums can be higher than average, potentially increasing the cost of Nissan Altima insurance.
• Inconsistent Customer Service: Some customers report inconsistent service experiences, which may affect satisfaction for Nissan Altima owners seeking support for their insurance.

#10 – Progressive: Best for Innovative Programs

Pros

• Innovative Insurance Programs: Progressive offers innovative programs like Snapshot, which can help Nissan Altima owners save money based on their driving habits.
• Strong Financial Stability: With an A+ rating from A.M. Best, Progressive ensures reliable financial support for Nissan Altima insurance claims. To gather additional information, please read our Progressive car insurance discounts.
• User-Friendly Online Tools: Progressive provides excellent online tools, making it easy for Nissan Altima owners to manage their insurance policies and claims.

Cons

• Lower Multi-Vehicle Discount: Progressive offers a 10% multi-vehicle discount, which is lower than many competitors, potentially reducing savings for Nissan Altima owners with multiple cars.
• Variable Customer Service: Customer service experiences with Progressive can be inconsistent, impacting satisfaction for Nissan Altima owners needing assistance.

Nissan Altima Insurance Rates: Compare Monthly Costs by Provider and Coverage Level

When insuring your Nissan Altima, understanding how costs vary by provider and coverage level is key. Below, you’ll find a breakdown of monthly rates for both minimum and full coverage from major insurance companies, helping you make an informed decision.

Nissan Altima Car Insurance Monthly Rates by Coverage Level & Provider

 

Nissan Altima Finance and Insurance Cost

Reducing your Nissan Altima insurance costs can be easier than you think with a few strategic actions. Implementing these tips can help you find savings and ensure you’re not overpaying for coverage. Consider the following strategies:

Who is the top car insurance company for Nissan Altima insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Nissan Altima auto insurance coverage, ordered by market share, according to the Insurance Information Institute.

Top Nissan Altima Auto Insurance Providers by Market Share

Compare Free Nissan Altima Insurance Quotes Online

You can start comparing quotes for Nissan Altima car insurance rates from some of the best car insurance companies by using our free online tool now. If you’re looking to buy a Nissan Altima, you’ll need to consider the cost of car insurance rates. There are many factors affecting car insurance rates that will determine the auto insurance cost for your Altima.

As we’ve described already, and will continue to do, this article reviews the questions you should ask and the information you need to determine the cost. Be sure to enter your ZIP code for a free car insurance comparison.

The Different Nissan Altima Models

There are many different models when it comes to an Altima. There is the 2.5, 2.5S, 2.5S with SL Package, 3.5SR, and the hybrid. The model you choose to buy will help determine how much your insurance costs.

For example, if you choose to get the standard Nissan Altima, your insurance will most likely be cheaper than if you purchased 3.5SR version.

The reason for this is that the 3.5SR version will most likely be considered a sports car due to its powerful V6 engine and sports-tuned suspension. Get the full story by checking out our “Best Nissan Car Insurance Rates.”

The Year of the Nissan Altima

If you are buying a brand-new Altima, your insurance costs will be much higher than if you are buying an older version (as we discussed earlier). The less the car is worth, the less the insurance cost.

The auto insurance companies will not look at how much you paid for the car but will determine how much the car is valued at by using their own sources.

You may get a great deal on a newer Altima but the car insurance company will still charge you the insurance based on the value of the car. Are you ready to buy Nissan Altima car insurance? Enter your ZIP code to start comparing Nissan Altima car insurance quotes online now. Gain a deeper understanding through our “Ways to Lower the Cost of Your Insurance.”