Nissan Altima insurance cost image courtesy of QuoteInspector.com
Finding competitive auto insurance for a Nissan Altima in California doesn't take a ton of time, but it is dependent upon a lot of rating criteria such as the safety rating of your vehicle, your credit score, and any past driving violations you may have had. Drivers pay around $1,245 a year for Altima insurance, but that cost is an approximation based upon a 40-year-old married female driver with both comprehensive and collision coverage and $500 deductibles.
If we were betting, you're not a 40-year-old female, single instead of married, or maybe you prefer to not insure for full coverage. Having different needs demonstrates why the only way to find the cheapest insurance price for your Nissan is to do the rate comparisons yourself. Quotes only take a couple of minutes and you will be able to see rates from some of the most affordable companies that offer coverage in California.
Your Nissan's trim level tends to have a direct impact on the annual cost of coverage, so the price you pay to insure a Altima 2.5 4-Dr Sedan trim level will be $276 cheaper than the cost to insure the higher-priced Altima 3.5 SR 2-Dr Coupe trim level, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Altima 2.5 4-Dr Sedan||$238||$454||$464||$28||$138||$1,322||$110|
|Altima 2.5 S 4-Dr Sedan||$238||$536||$464||$28||$138||$1,404||$117|
|Altima Hybrid 4-Dr Sedan||$270||$536||$464||$28||$138||$1,436||$120|
|Altima 2.5 S 2-Dr Coupe||$270||$536||$524||$32||$156||$1,518||$127|
|Altima 3.5 SR 4-Dr Sedan||$270||$536||$464||$28||$138||$1,436||$120|
|Altima 3.5 SR 2-Dr Coupe||$270||$616||$524||$32||$156||$1,598||$133|
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Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Premium costs do not factor in specific location which can revise rates considerably.
Figuring out which insurers offer the cheapest car insurance rates for a Nissan Altima calls for a tad more effort in order to find the best policy.
Each company uses a different method for setting prices, so we'll go over the car insurance companies that tend to be cheaper in California.
Best Car Insurance Prices for Your Altima
|Rank||Company||Cost Per Year|
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USAA quotes some of the most affordable car insurance rates in Santa Ana at around $1,143 a year. This is $508 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also qualify as some of the cheaper Santa Ana, CA car insurance companies.
In the rate table above, if you are a customer of Nationwide and switched to Wawanesa, you might see savings of about $117. Policyholders with 21st Century could save as much as $192 a year, and Grange insureds might realize rate reductions of up to $345 a year.
Bear in mind that those estimates are averages for all ages of drivers and types of vehicles and do not factor in a specific vehicle garaging location for a Nissan Altima. So the auto insurance company that has the cheapest rates for you may not even be in the top 24 companies shown above. That underscores the importance of why you need to compare as many prices as possible using your own specific driver information and vehicle.
Bad driving habits will cost you more
One of the best ways to find cheap car insurance rates in California for an Altima is to be a safe driver and not receive tickets or have accidents. The example below shows how violations and accidents can influence insurance rates for different age groups of insureds. The prices are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.
In the previous chart, the average cost of an auto insurance policy in California per year with a clean driving record and no accidents is $2,458. Receive two speeding tickets and the average cost swells to $3,251, an increase of $792 each year. Then add one accident along with the two speeding tickets and the 12-month cost of car insurance for a Nissan Altima goes up to an average of $4,051. That's an increase of $1,592, or $133 per month, just for being a careless driver!
What aren't you shopping around?
Santa Ana, CA car insurance rates are impacted by many factors which can substantially decrease or increase the policy price. Simply improving your credit, moving to a new city, or having an accident may cause policy rate changes that can make some companies more affordable than the competition.
Not only may things change on your end, but auto insurance companies amend pricing as often as every three months to adjust for unexpected claims or profits. Higher than usual claims can cause increased rates, while a profitable period can cause cheaper Altima insurance rates.
The data below shows a variety of companies that have the cheapest car insurance in Santa Ana, CA for a 40-year-old male driver with a good driving record, no prior claims, and a good credit history. If we compare prices based on his current risk factors, USAA offers the cheapest car insurance rates in Santa Ana at $1,255 per year. This is $396 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA are also included in the best Santa Ana, CA auto insurance companies.
In the next rate comparison, we'll give the driver in the first chart a claim, less-than-perfect credit, and a speeding ticket. Because each company has a different formula for determining prices, comparing quotes most likely will result in a different set of cheap Santa Ana auto insurance companies as shown below.
Grange now has the best car insurance rate in Santa Ana, CA with Progressive, Mercury, Allied, and Allstate now rounding out the top five. This example proves why consumers need to compare many different companies when trying to find the lowest insurance rates for a Nissan Altima. Rates are made up of many factors and can change without notice, so the lowest-price company the last time you checked may now not even be in the top five.
If you would rather have the advice of a professional agent when comparing insurance rates for an Altima, the professional agents shown below are a good start to aid you in deciding which policy is best.
To find an auto insurance agency close to you, click the button following the list.
- Farmers Insurance - Daniel Canzone
2323 N Tustin Ave, Ste E-F - Santa Ana, CA 92705 - (714) 203-6033
- Farmers Insurance: Patricia Kelly
310 N Tustin Ave #A - Santa Ana, CA 92705 - (714) 541-3334
- Allstate Insurance: Jorge Bendeck
3929 S Bristol St Ste 201 - Santa Ana, CA 92704 - (714) 832-3900
- Auto Express Insurance Agency
202 S Grand Ave - Santa Ana, CA 92701 - (800) 400-3038
More Santa Ana, CA insurance agents
How to find the cheapest car insurance for a Nissan Altima
Here are some of the recommended money-saving solutions that can help Santa Ana drivers quote lower-cost coverage.
- Raise your deductibles
- Serious violations like DUI or reckless driving can increase rates dramatically
- Avoid accidents
- Don't have frequent claims
- If your vehicles are older, consider dropping full coverage
- Comparison shop at least once a year
That final tip is very valuable, as we pointed out in this write-up. Prices charged by companies vary greatly, so drivers shouldn't hesitate to buy a policy from a new company if a lower price can be found.
Having brand loyalty is commendable, but it isn't a good idea if that devotion results in you overpaying money that could be going to better use. It only take a few minutes to compare rates and find cheaper insurance for a Nissan Altima in Santa Ana.