Finding the best cheap insurance for a Nissan Altima is fairly simple, but it relies on a very complex rating algorithm that uses multiple factors such as the safety rating for your Altima, the likelihood of vehicle theft, and any prior driving offenses. Texas drivers pay approximately $943 each year for Altima insurance, but that cost is calculated using a 50-year-old married female driver with full physical damage coverage and $500 deductibles.
Most likely you are not 50 years old and maybe not even female, possibly single instead of married, and maybe you want different deductibles. Everone’s needs are different, and this illustrates why the best way to find cheap auto insurance rates for your Nissan is to just take the time to compare rates yourself. To cut your rates now, get a free quote and you will be able to see rates from some of the cheapest companies that offer coverage in Texas.
The specific trim level will likely have an effect on the cost of insurance, so the price you will pay to insure a Altima 2.5 4-Dr Sedan trim level will be $204 less than the cost to insure the more costly Altima 3.5 SR 2-Dr Coupe version, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Altima 2.5 4-Dr Sedan||$184||$332||$358||$22||$108||$1,004||$84|
|Altima 2.5 S 4-Dr Sedan||$184||$392||$358||$22||$108||$1,064||$89|
|Altima Hybrid 4-Dr Sedan||$208||$392||$358||$22||$108||$1,088||$91|
|Altima 2.5 S 2-Dr Coupe||$208||$392||$404||$24||$122||$1,150||$96|
|Altima 3.5 SR 4-Dr Sedan||$208||$392||$358||$22||$108||$1,088||$91|
|Altima 3.5 SR 2-Dr Coupe||$208||$450||$404||$24||$122||$1,208||$101|
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Price estimates do not factor in garaging location in Dallas which can revise premium rates noticeably.
Buying coverage from the top insurance company is hard considering how many companies provide coverage in Texas. The ranking information shown below may help you analyze which companies to look at purchasing from.
The rankings below include companies that write coverage in many states, so smaller regional companies are not factored into the list. To compare price quotes from these and other top-rated companies, simply click here.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Get discounts on Dallas auto insurance rates
Insurance companies that offer quotes for a Nissan Altima may additionally offer price discounts that could potentially reduce rates by as much as 25% or more if you meet specific criteria. Popular auto insurance companies and some of the premium reductions they offer are:
- American Family offers discounts including mySafetyValet, TimeAway discount, early bird, bundled insurance, multi-vehicle, accident-free, and good student.
- State Farm policyholders can earn discounts including Drive Safe & Save, driver’s education, safe vehicle, passive restraint, good student, multiple autos, and good driver.
- 21st Century discounts include theft prevention, driver training, air bags, 55 and older, and anti-lock brakes.
- Travelers offers premium reductions for student away at school, IntelliDrive, early quote, continuous insurance, payment discounts, and multi-policy.
- GEICO offers discounts for multi-vehicle, driver training, anti-lock brakes, emergency military deployment, military active duty, and seat belt use.
The example below visualizes the comparison of insurance costs with and without policy discounts. The costs are based on a female driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with anti-theft, multiple vehicle, accident-free, vehicle safety, defensive driving course, and homeowner discounts applied. When drivers qualify for the discounts, the average yearly reduction on auto insurance for a Nissan Altima is 28% or $679.
Who has the cheapest Altima insurance?
Texas auto insurance rates are based on many factors that can increase the price of your policy. Simply getting older, getting married, or having an at-fault accident can trigger price changes that can now make some companies cheaper in comparison to the competition. Also, auto insurance companies file new Texas car insurance rates every year or even multiple times each year in order to offset underwriting gains or losses. Higher than normal claims can result in higher prices, while less frequent claims may produce cheaper Altima insurance rates.
To illustrate this point, the data below shows which company has the cheapest car insurance in Dallas, TX for a 35-year-old male driver with a clear driving record, no claims, and a good credit rating. Based on his current risk factors, Travelers offers the cheapest car insurance rates in Dallas at $1,298 a year. This is $606 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the remainder of the top five cheapest Dallas, TX auto insurance companies.
In this next rate comparison, we will give the driver from above a couple of claims, bad credit, and a stop sign violation. Since every insurance provider has their own process to establish rates, comparing insurance quotes could now result in a new list of the cheapest Dallas car insurance companies as shown below.
State Farm now has the lowest price on auto insurance in Dallas with Mercury, Nationwide, Safe Auto, and USAA now being in the top five. This shows why consumers need to take the time to compare many different companies to get the most economical insurance quotes for a Nissan Altima.
Insurance rates can be determined by many things and change dramatically, so the most economical option the last time you checked may now be one of the higher cost companies.
If you have coverage questions and would like to have a consultation when trying to find the best insurance rates for a Nissan Altima, the insurance agencies listed below can probably help you determine which coverage fits your budget. To find an agent using an interactive map, click the button following the list or click here to get price quotes now.
- Earl Gordon – State Farm Insurance Agent
7605 McCallum Blvd – Dallas, TX 75252 – (972) 407-9995
- Kelvin Nunley – State Farm Insurance Agent
1441 N Cockrell Hill Rd #100 – Dallas, TX 75211 – (214) 333-0404
- Brent Holtz – State Farm Insurance Agent
3427 E Trinity Mills Rd #601 – Dallas, TX 75287 – (972) 306-1234
- Todd Schara – State Farm Insurance Agent
516 S Hampton Rd #140 – Dallas, TX 75208 – (214) 943-7500
- Roxy Brown – State Farm Insurance Agent
12640 E Northwest Hwy, Ste 408 – Dallas, TX 75228 – (972) 681-6128
How to find the cheapest insurance for a Nissan Altima
The list below shows some of the better thrifty ideas that can help drivers find more affordable coverage.
- Buy your auto and home insurance from the same company and save
- Frequent claims may make car insurance unaffordable
- Good credit can help you save money
- Do not get traffic tickets
- Maintain a safe distance and avoid accidents
- Higher physical damage deductibles lower rates
- Keep rates low by comparing prices once a year
That last idea is highly important, as we emphasized in this write-up. Prices charged by companies fluctuate constantly, so drivers shouldn’t hesitate to buy a policy from a new company if a more affordable rate is found. We understand brand loyalty, but is isn’t recommended if your bullheadedness ends up costing you thousands of dollars over several years. In just a few minutes you could shop around to find cheaper car insurance for a Nissan Altima in Dallas.