Finding affordable auto insurance for a Nissan Altima relies on a lot of rating factors such as age of the driver, your credit rating, and your motor vehicle report. Drivers will pay on average $965 each year to insure their Altima, but that figure is a projection using a 30-year-old single male driver with both comprehensive and collision coverage and $1,000 deductibles.
But there is a good chance that you are not 30 and maybe not even a male, maybe you are married instead of single, or maybe you just want liability only instead of full coverage. Having even a minor difference in rating variables or coverage information may result in significant differences in rates.
Each driver’s needs are different, and that demonstrates why the way we recommend to find the most affordable coverage for your Nissan is to put in the effort to do a thorough rate comparison. It only takes a few minutes and you will get price quotes from some of the cheapest companies available.
Compare Nissan Altima Insurance Rates
The trim level of your Altima can impact the annual cost of coverage, so the price you pay to insure a Altima 2.5 4-Dr Sedan will be $192 cheaper than the cost to insure the more well-appointed Altima 3.5 SR 2-Dr Coupe model, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $180 | $270 | $432 | $26 | $130 | $1,038 | $87 |
| Altima 2.5 S 4-Dr Sedan | $180 | $318 | $432 | $26 | $130 | $1,086 | $91 |
| Altima Hybrid 4-Dr Sedan | $202 | $318 | $432 | $26 | $130 | $1,108 | $92 |
| Altima 2.5 S 2-Dr Coupe | $202 | $318 | $488 | $28 | $146 | $1,182 | $99 |
| Altima 3.5 SR 4-Dr Sedan | $202 | $318 | $432 | $26 | $130 | $1,108 | $92 |
| Altima 3.5 SR 2-Dr Coupe | $202 | $366 | $488 | $28 | $146 | $1,230 | $103 |
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Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Table data does not factor in specific garaging location which can raise or lower prices considerably.
Pennsylvania car insurance company ratings
Choosing a high-quality insurance provider is difficult considering how many different companies insure vehicles in Philadelphia. The rank data in the next section could help you select which car insurance companies to look at shopping your coverage with.
The ratings below only include companies with a nationwide focus, so companies that have a smaller presence will not be included in this list. To compare prices and find the cheapest rates for a Nissan Altima, click here.
Top 10 Large Car Insurance Companies in Philadelphia Ranked by Customer Satisfaction
- Titan Insurance – 93%
- The Hartford – 93%
- The General – 91%
- Progressive – 90%
- 21st Century – 89%
- USAA – 87%
- Erie Insurance – 87%
- State Farm – 87%
- Travelers – 87%
- Safeco Insurance – 86%
Top 10 Large Car Insurance Companies in Philadelphia Ranked by Customer Service
- Titan Insurance
- The Hartford
- American Family
- Progressive
- USAA
- Travelers
- State Farm
- GEICO
- Erie Insurance
- Allstate
Liability-only versus full coverage
Reducing premiums for car insurance is important to the majority of people, and one common way to reduce the cost of insurance for a Nissan Altima is to not insure for full coverage. The diagram below illustrates the comparison of car insurance rates with full physical damage coverage compared to only buying liability only. The rate quotes are based on no claims or driving violations, $100 deductibles, marital status is single, and no discounts are applied.
Averaged out for all age groups, full coverage on your policy costs $2,572 per year over liability only. That touches on the question if it’s worth it to buy full coverage. There is no set rule to stop paying for full coverage, but there is a general convention. If the yearly cost for physical damage coverage is 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.
For example, let’s say your vehicle’s claim settlement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would receive is $4,000 after paying your deductible. If it’s costing you more than $400 a year for physical damage coverage, then it might be time to buy liability only.
There are some situations where only buying liability is not recommended. If you still owe money on your vehicle, you are required to maintain full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not consider dropping full coverage.
Discount Philadelphia car insurance rates
Insurance companies that offer cheap quotes for a Nissan Altima could also offer discounts that can lower rates by 35% or more if you are eligible for them. Popular car insurance companies and some of the discounts are included below.
- 21st Century offers discounts including homeowners, theft prevention, early bird, teen driver, and automatic seat belts.
- Progressive may include discounts for online signing, continuous coverage, multi-policy, multi-vehicle, and online quote discount.
- State Farm has savings for accident-free, driver’s education, good student, anti-theft, and multiple autos.
- Nationwide policyholders can earn discounts including good student, Farm Bureau membership, multi-policy, accident-free, anti-theft, business or organization, and family plan.
- Esurance has discounts for Switch & Save, emergency road assistance, multi-car, safety device, good driver, Pac-12 alumni, and paid-in-full.
- The Hartford offers discounts for air bag, good student, bundle, driver training, and defensive driver.
The illustration below shows the comparison of car insurance costs with and without discounts. The rate quotes are based on a male driver, no violations or accidents, Pennsylvania state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with multiple policy, vehicle safety, multiple vehicle, anti-theft, accident-free, and homeowner discounts applied. When taking advantage of discounts, the average amount saved each year on car insurance for a Nissan Altima is 28% or $693.
The diagram below demonstrates how choosing different deductibles can increase or decrease yearly insurance costs when trying to find cheap insurance for a Nissan Altima. The information is based on a married male driver, full coverage, and no discounts are factored in.
As shown above, a 30-year-old driver could lower their policy premium by $352 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $534 by choosing a $1,000 deductible. Even younger insureds, like the 20-year-old, have the ability to save up to $1,068 annually by choosing larger deductibles on their policy. If you do decide to increase your deductibles, it is important to have plenty of savings on hand to allow you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.