Buying cheap auto insurance for a Nissan Altima in Florida hinges on a complex formula that considers things such as the mileage of your daily commute, whether or not you have filed claims in the past, and your driving record. Florida drivers pay around $1,219 each year for Altima insurance, but that cost is using a 30-year-old single male driver with both comprehensive and collision coverage and $1,000 deductibles.
But there is a high probability that you aren’t exactly 30 years old or even a male, possibly married instead of single, and you might want liability-only or different deductibles. Car insurance coverage is unique to each driver, so this is why the way we recommend to find cheap car insurance rates for your Nissan is to compare as many rates as possible.
The specific model of Altima tends to impact the annual cost of coverage, so the rate you will pay to insure a Altima 2.5 4-Dr Sedan will be $248 less than the price to insure the more expensive 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||$226||$342||$546||$32||$164||$1,310||$109|
|Altima 2.5 S 4-Dr Sedan||$226||$402||$546||$32||$164||$1,370||$114|
|Altima Hybrid 4-Dr Sedan||$256||$402||$546||$32||$164||$1,400||$117|
|Altima 2.5 S 2-Dr Coupe||$256||$402||$618||$36||$184||$1,496||$125|
|Altima 3.5 SR 4-Dr Sedan||$256||$402||$546||$32||$164||$1,400||$117|
|Altima 3.5 SR 2-Dr Coupe||$256||$464||$618||$36||$184||$1,558||$130|
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Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Estimates do not factor in the specific area where the vehicle is garaged which can revise coverage rates significantly.
Choosing a highly-rated insurance provider can be difficult considering how many choices you have in Florida. The rank data shown below can help you select which auto insurers to look at when comparing insurance rates for a Nissan Altima.
The rankings below include the largest companies in America, so smaller regional companies are not included in these rankings. To compare prices from these top-rated insurers and more, follow this link.
Top 10 Large Auto Insurance Companies in Jacksonville Ranked by Customer Service
- Mercury Insurance
- AAA Insurance
- Safeco Insurance
- State Farm
- The Hartford
- The General
Top 10 Large Auto Insurance Companies in Jacksonville Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Types of discounts on Jacksonville car insurance rates
Insurance companies that provide policies for a Nissan Altima may provide premium discounts that could reduce prices by as much as 40% or more if you are eligible. A list of car insurance companies and some of the premium reductions they offer include:
- State Farm offers premium reductions for passive restraint, anti-theft, accident-free, good driver, Steer Clear safe driver discount, and student away at school.
- GEICO discounts include air bags, military active duty, driver training, federal employee, and multi-vehicle.
- SAFECO may offer discounts for safe driver, anti-theft, teen safety rewards, accident prevention training, multi-car, and anti-lock brakes.
- Farmers Insurance policyholders can earn discounts including mature driver, bundle discounts, alternative fuel, good student, multi-car, and homeowner.
- AAA includes discounts for education and occupation, multi-car, good driver, pay-in-full, AAA membership discount, anti-theft, and good student.
- USAA has savings for defensive driver, family discount, loyalty savings, multi-policy, multi-vehicle, and vehicle storage.
The diagram below shows the difference between insurance rates with and without discounts applied to the rates. The premiums assume a male driver, a clean driving record, no at-fault accidents, Florida state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with anti-theft, accident-free, marriage, homeowner, defensive driving course, and passive restraint discounts applied. When drivers take advantage of discounts, theamount saved on car insurance for a Nissan Altima is 28% or $827.
You may be paying too much for Altima insurance
Florida car insurance rates are influenced by many factors which can substantially decrease or increase the price you have to pay for coverage. Improving your credit score, buying a home, or having an accident may prompt premium changes that can now make some companies cheaper than competitors. And not only may your rating factors change, but auto insurance companies file new rates as needed in order to maintain liquidity for claims. Heavy losses may cause increased policy costs, while profitable underwriting may produce cheaper Altima insurance rates.
For example, the graph below demonstrates which company has the cheapest car insurance in Jacksonville, FL for a 40-year-old female driver with a clear driving record, no claims, and great credit. If we compare prices based on her current rating profile, USAA might quote the cheapest car insurance rates in Jacksonville at $1,222 each year. This is $1,226 less than the average rate paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Travelers are the remaining top five cheapest Jacksonville, FL auto insurance companies.
Now let’s give the driver in the first example a claim or two, a lower credit rating, and a speeding citation. Since every insurance provider uses their own method for setting rates, analyzing rate quotes most likely will result in a different ranking of the cheapest Jacksonville car insurance companies as shown below.
USAA now has the best car insurance rate in Jacksonville with Allied, Esurance, State Farm, and GEICO now being in the top five. This example demonstrates why drivers need to compare as many rates as possible when trying to get the best auto insurance quotes for a Nissan Altima. Auto insurance prices are influenced by many risk factors and change substantially, so the cheapest option when you last compared rates may now be one of the more expensive options.
How to find economical car insurance for a Nissan Altima
Here are some of the recommended penny-pinching solutions that can help you get cheaper car insurance.
- Buy a car with high safety ratings
- Do not insure for full coverage
- Good credit can help you save money
- Save money by insuring your home and auto with the same company
- Avoid preventable accidents
- Compare prices as often as possible
The last tip is extremely valuable, as was noted in this article. Insurance rates in Jacksonville can be changed at any time, so don’t be unwilling to buy a different policy if a lower price can be found. Brand loyalty is not necessarily bad, but is isn’t recommended if that loyalty ends up costing lots of money. In just a few minutes you could shop around and find cheaper car insurance for a Nissan Altima.