Finding the cheapest car insurance for a Nissan Altima is dependent upon a large number of factors such as how many years you have been driving, if you have a tendency to file claims, and driving violations. California drivers pay on average $1,629 each year for Altima insurance, but that figure is a valuation using a 40-year-old single male driver with full coverage and $250 deductibles.
But there is a high probability that you aren’t exactly 40 years old or even a male, married instead of single, and maybe you want higher deductibles. Auto insurance is not the same for everyone, so the way we recommend to find affordable rates for your Nissan is to do the rate comparisons yourself.
The specific model of Altima impacts the coverage cost, so the rate you pay to insure a Altima 2.5 4-Dr Sedan model will be $374 lower than the price to insure the high end Altima 3.5 SR 2-Dr Coupe version, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $334 | $662 | $534 | $32 | $160 | $1,722 | $144 |
| Altima 2.5 S 4-Dr Sedan | $334 | $780 | $534 | $32 | $160 | $1,840 | $153 |
| Altima Hybrid 4-Dr Sedan | $378 | $780 | $534 | $32 | $160 | $1,884 | $157 |
| Altima 2.5 S 2-Dr Coupe | $378 | $780 | $604 | $36 | $180 | $1,978 | $165 |
| Altima 3.5 SR 4-Dr Sedan | $378 | $780 | $534 | $32 | $160 | $1,884 | $157 |
| Altima 3.5 SR 2-Dr Coupe | $378 | $898 | $604 | $36 | $180 | $2,096 | $175 |
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Price information does not factor in the specific area where the vehicle is garaged which can revise premium rates substantially.
Deciphering which company has the most affordable auto insurance rates for a Nissan Altima may require a bit more effort in order to find the lowest price. Every insurance company has a unique formula for setting prices, so we’ll take a look at the auto insurance companies with the overall best prices in Los Angeles, CA.
It’s important to understand that California auto insurance rates are influenced by many factors that control the price of coverage. Improving your credit rating, moving across town, or getting a DUI can trigger changes in premium that can now make some companies cheaper than competitors.
Best Insurance Companies for Your Altima
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,157 |
| 3 | Century National | $1,178 |
| 4 | CSAA | $1,186 |
| 5 | Nationwide | $1,213 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,477 |
| 8 | Mercury | $1,488 |
| 9 | Allstate | $1,513 |
| 10 | GEICO | $1,529 |
| 11 | Progressive | $1,542 |
| 12 | Allied | $1,588 |
| 13 | The Hartford | $1,591 |
| 14 | MetLife | $1,606 |
| 15 | Unitrin | $1,733 |
| 16 | Esurance | $1,739 |
| 17 | State Farm | $1,750 |
| 18 | Travelers | $1,788 |
| 19 | Bristol West | $1,795 |
| 20 | Farmers | $1,966 |
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USAA may offer some of the best car insurance rates in Los Angeles at around $1,121 annually. Wawanesa, Century National, CSAA, and Nationwide also rank well as some of the more affordable Los Angeles, CA auto insurance companies.
As illustrated above, if you currently have coverage with Wawanesa and switched to USAA, you could see a yearly savings of about $36. Customers with Century National may save as much as $57 a year, and CSAA insureds might cut rates by $65 a year.
To find the cheapest rates for your vehicle, click here to begin a quote or click several companies below for low rates.
Understand that those policy rates are averages for all types of drivers and the different vehicles they drive and and are not figured with an exact zip code location for a Nissan Altima. So the car insurance company that can offer the best rates for your situation may not even be in the top 24 companies shown above. That emphasizes why you need to compare rates from multiple companies using your own individual information.
Cautious Los Angeles drivers save money
The easiest method to obtain cheap auto insurance prices for an Altima is to drive safely and maintain a clean driving record. The information below highlights how traffic violations and at-fault collisions can impact insurance prices for different age groups of insureds. The rate quotes are based on a married male driver, full coverage, $250 deductibles, and no additional discounts are factored in.
The data charted above shows the average cost of car insurance in California per year with no accidents and a clean driving record is $2,551. Add in two speeding tickets and the average cost swells to $3,533, an increase of $982 each year. Now include one accident along with the two speeding tickets and the yearly cost of auto insurance for a Nissan Altima goes up to an average of $4,520. That’s an increase of $1,969, or $164 per month, just for not being attentive to the road!
Compare rates to save
Los Angeles, CA auto insurance rates are based on many factors which can substantially decrease or increase the price you pay. Simply having a birthday, buying a home, or having an at-fault accident can produce rate changes that can now make some companies more affordable than competitors.
Additionally, insurers amend premium rates as needed in order to protect their financial rating. Unexpectedly high claims may cause more expensive prices, while a better loss history may cause cheaper Altima insurance rates.
For example, the bar chart below shows rates for the cheapest car insurance in Los Angeles, CA for a 30-year-old male driver with no violations or accidents, and a good credit history. If we estimate rates based on his personal profile, USAA has the most affordable car insurance rates in Los Angeles at $1,781 per year. This is $130 more than the average premium paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA are the remaining most affordable Los Angeles, CA auto insurance companies.
The example below compares rates after we give the driver from the first set of rates an accident surcharge, poor credit, and a couple of points charged on his driving record. Since every car insurance company uses their own method for determining prices, analyzing rate quotes most likely will result in a significantly different list of the cheapest Los Angeles car insurance companies as shown below.
Grange now has the cheapest insurance rate in Los Angeles with GEICO, Mercury, Allied, and Progressive now rounding out the top five. This shows why Los Angeles drivers need to spend some time comparing rates to get the most budget-friendly car insurance rates for a Nissan Altima. Auto insurance prices are influenced by many things and can change substantially, so the cheapest rate six months ago may now be priced much higher than other options.
If you aren’t sure which coverage you need and prefer to have the advice of a professional agent when buying car insurance for an Altima, the insurance agencies listed below can provide answers to your questions and help you determine which coverages you need.
To locate a Los Angeles car insurance agency using an interactive map, click the button below the list.
Starco Insurance
1905 S Western Ave #19 – Los Angeles, CA 90018 – (310) 215-9991
Choice Insurance Agency
1601 S La Brea Ave – Los Angeles, CA 90019 – (323) 933-9888
Charles Garrett Jr – State Farm Insurance Agent
4929 Wilshire Blvd #745 – Los Angeles, CA 90010 – (323) 692-0090
Grace Jun – State Farm Insurance Agent
2426 W 8th St #218 – Los Angeles, CA 90057 – (213) 388-4955
Lisa Brown – State Farm Insurance Agent
1247 S La Brea Ave – Los Angeles, CA 90019 – (323) 954-9763