Buying affordable insurance for a Nissan Altima is usually pretty straightforward, but it relies on a fairly complex equation with a lot of factors such as how far you drive to work, your credit score, and driving violations and tickets. Drivers in California pay approximately $1,257 annually for Altima insurance, but that is an estimate based on a 50-year-old married male driver with full comprehensive and collision coverage and $250 deductibles.
But there is a high probability that you’re not a 50-year-old male, maybe you are single instead of married, and maybe your Altima is older and does not require full coverage. Just a slight change in the rating criteria used to formulate rates can result in a massive change in the cost of insurance for a Nissan Altima.
There is no perfect policy for every driver, so the only real way to find the cheapest insurance price for your Nissan is to compare rates from as many companies as possible.
Vehicle trim level tends to have a direct effect on the cost of insurance, so the cost to insure a Altima 2.5 4-Dr Sedan model will be $284 lower than the cost to insure the more expensive Altima 3.5 SR 2-Dr Coupe version, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Altima 2.5 4-Dr Sedan||$266||$490||$424||$26||$126||$1,332||$111|
|Altima 2.5 S 4-Dr Sedan||$266||$576||$424||$26||$126||$1,418||$118|
|Altima Hybrid 4-Dr Sedan||$300||$576||$424||$26||$126||$1,452||$121|
|Altima 2.5 S 2-Dr Coupe||$300||$576||$480||$28||$144||$1,528||$127|
|Altima 3.5 SR 4-Dr Sedan||$300||$576||$424||$26||$126||$1,452||$121|
|Altima 3.5 SR 2-Dr Coupe||$300||$664||$480||$28||$144||$1,616||$135|
|Get Your Own Custom Quote Go|
Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Price estimates do not factor in zip code location which can lower or raise price quotes significantly.
Finding out which company has the cheapest car insurance rates for a Nissan Altima takes a bit more effort in order to find a policy that fits your budget.
Each insurance company has a different formula for determining rates in each state, so to begin we’ll rank the car insurance companies that tend to have lower prices in Long Beach. It’s a good idea to be aware that Long Beach car insurance rates are calculated based on many things which can substantially change the price of coverage. Simply having another birthday, having a claim, or getting a driving violation can trigger rate changes resulting in some rates now being cheaper than competitors.
Find the Cheapest Car Insurance for Your Altima
|Rank||Company||Cost Per Year|
|Find Your Rate Go|
USAA may have some of the cheapest car insurance rates in Long Beach at around $1,143 per year. This is $508 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also are some of the best Long Beach, CA auto insurance companies.
In the above example, if you are a policyholder with Century National and switched to USAA, you might achieve yearly savings of about $35. Policyholders with CSAA could save as much as $55 a year, and Nationwide insureds might lower prices by up to $120 a year.
These prices are averages for all types of insureds and vehicles and do not take into consideration an exact location for a Nissan Altima. So the car insurance company that is best for you may not even be in the list above. That illustrates why you need to get rate quotes using your own personalized driver profile and vehicle information.
Impact of careless driving on car insurance rates
In a perfect world, the ideal way to receive the best car insurance rates in California for an Altima is to drive safely and avoid accidents and traffic citations. The illustration below demonstrates how citations and accidents raise premium costs for different ages of insureds. The data is based on a married female driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.
The data in the chart shows the average cost of auto insurance in Long Beach per year with no accidents or violations is $2,477. Factor in one speeding ticket and the average cost increases to $2,882, an increase of $405 each year. Now add one accident along with the one speeding ticket and the 12-month cost of car insurance for a Nissan Altima jumps again to an average of $4,053. That’s an increase of $1,576, or $131 per month, just for not driving responsibly!
Why you should be comparing rates
California car insurance rates are influenced by many factors which can substantially change the price you pay. Simply improving your credit, buying higher coverage limits, or having a fender bender can trigger price changes resulting in some rates now being cheaper than before. Not only may your situation change, but car insurance companies amend premium rates multiple times each year in order to remain profitable. Significantly higher losses can cause rate increases, while lower claims can result in lower-priced Altima insurance rates.
For instance, the chart below shows a variety of companies that have the cheapest car insurance in Long Beach, CA for a 45-year-old male driver with no violations or accidents, and a good credit history. If we estimate rates based on his current situation, USAA has the lowest car insurance rates in Long Beach at $1,418 each year. This is $233 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA are the remainder of the most affordable Long Beach, CA auto insurance companies.
Now we will pretend the driver from the first set of rates a chargeable accident, a lower credit score, and a stop sign violation. Because each company has a proprietary method to determine rates, comparing rates most likely will result in a new list of cheap Long Beach auto insurance companies as shown below.
Grange now has the best price in Long Beach with Mercury, Allstate, Progressive, and GEICO also being competitive. This example illustrates why consumers need to take the time to shop around to get cheap car insurance rates for a Nissan Altima. Car insurance prices are determined by many factors and can change without notice, so the lowest-price company when you last compared rates may now be quite expensive.