Buying the best cheap auto insurance for a Nissan Altima hinges on a whole bunch of factors such as the mileage of your daily commute, if you have prior claims, and driving citations. Arizona drivers pay around $945 a year to insure their Altima, but that cost is an approximation using a 30-year-old single female driver with full comprehensive and collision coverage and $1,000 deductibles.
When making auto insurance estimates, the issue arises that you may not be 30 years old (or even female), possibly married instead of single, and you need different coverage limits than the sample rates. Auto insurance is unique to each driver, so the best method for finding affordable rates for your Nissan is to compare as many rates as possible. Quotes are free and you can get rates from some of the best insurers that offer coverage in Arizona.
The specific trim level will most likely have an effect on the cost of insurance, so the price to insure a Altima 2.5 4-Dr Sedan model will be $202 less than the insurance cost for the more well-appointed Altima 3.5 SR 2-Dr Coupe version, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $158 | $302 | $404 | $24 | $122 | $1,010 | $84 |
| Altima 2.5 S 4-Dr Sedan | $158 | $356 | $404 | $24 | $122 | $1,064 | $89 |
| Altima Hybrid 4-Dr Sedan | $180 | $356 | $404 | $24 | $122 | $1,086 | $91 |
| Altima 2.5 S 2-Dr Coupe | $180 | $356 | $458 | $28 | $136 | $1,158 | $97 |
| Altima 3.5 SR 4-Dr Sedan | $180 | $356 | $404 | $24 | $122 | $1,086 | $91 |
| Altima 3.5 SR 2-Dr Coupe | $180 | $410 | $458 | $28 | $136 | $1,212 | $101 |
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Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Prices do not factor in the specific area where the vehicle is garaged which can impact insurance rates greatly.
Choosing a highly-rated insurer can be a challenge considering how many different companies there are to choose from in Arizona. The company ratings in the next section could help you choose which providers to look at shopping prices with.
The ratings below include companies who write in the majority of U.S. states, so smaller companies are not taken into consideration for this list. To get rate quotes from these top insurers and more, click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
The chart below shows how choosing a deductible can change insurance costs when quoting cheap insurance for a Nissan Altima. The costs are based on a married female driver, comp and collision included, and no discounts are taken into consideration.
As shown above, a 40-year-old driver could reduce rates by $246 a year by switching from a $100 deductible up to a $500 deductible, or save $370 by changing to a $1,000 deductible. Young drivers, such as the Age 20 example, can save as much as $606 every year by selecting a higher deductible. When choosing a higher deductible, it will be important to have enough spare savings to allow you to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.
You are probably paying too much for Altima insurance
Tucson car insurance rates are impacted by many things which can significantly increase or decrease the cost of your policy. Simply turning a year older, buying another vehicle, or getting a ticket for careless driving may cause policy rate changes that can now make some companies affordable when they were higher priced. Also, insurers change rates as often as every quarter in order to be able to pay unexpected claims. Larger than normal claims can result in additional premium costs, while profitable underwriting can cause cheaper Altima insurance rates.
For example, the chart below shows the cheapest car insurance in Tucson, AZ for a 30-year-old male driver with no accidents or violations, and excellent credit. If we estimate rates based on his personal profile, The Hartford may have the most affordable car insurance rates in Tucson at $1,073 annually. This is $355 less than the average premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, USAA, and Travelers are also on the list of the cheapest Tucson, AZ auto insurance companies.
Now let’s give the driver in the first chart an accident claim, less-than-perfect credit, and a traffic ticket or two. Because every insurance company uses their own calculation to set policy rates, comparing insurance quotes could now result in a different set of companies as shown below.
GEICO now has the lowest price on auto insurance in Tucson with Allied, Ameriprise Group, CSAA, and Farm Bureau Mutual also being competitive. This example demonstrates why Arizona drivers need to shop around when trying to get the cheapest insurance rates for a Nissan Altima.
Prices are impacted by many things and change substantially, so the most economical option a year ago may now be priced much higher than other options.
If you would rather have some professional guidance when buying car insurance for an Altima, the agencies below are a good start to provide answers to your questions and help you determine which auto insurance policy would work best for you. To locate a Tucson insurance agent close to you, click the button at the bottom or click here to compare price quotes now.
Arizona Insurance Clinic
4925 E 5th St Suite # 101 – Tucson, AZ 85711 – (520) 323-6887
Clements
6245 E Broadway BlvdSte 310 – Tucson, AZ 85711 – (520) 624-3456
Tim Heffentrager – State Farm Insurance Agent
116 S Kolb Rd – Tucson, AZ 85710 – (520) 296-7181
Al Vasey – State Farm Insurance Agent
7401 E 22nd St – Tucson, AZ 85710 – (520) 514-0222