Buying the best cheap car insurance for a Nissan Altima in California relies on a pretty complex algorithm that uses a lot of factors such as how many years you have been driving, the likelihood of your vehicle being stolen, and any prior driving offenses you have. California drivers pay on average $1,381 annually to insure their Altima, but that amount is using a 50-year-old married male driver with full physical damage coverage and $100 deductibles.
It’s more than likely you are not 50 years old and maybe not even male, possibly single instead of married, and maybe your Altima is older and does not require full coverage. Having even a minor difference in the rating criteria used to formulate rates could end up in a significant change in the price of coverage.
Auto insurance is not the same for everyone, so the way we recommend to find the cheapest coverage for your Nissan is to just take the time to compare rates yourself. In just a couple of minutes you can get prices from some of the cheapest companies in California.
The trim level of your Altima tends to have a direct effect on the coverage cost, so the price you will be charged to insure a Altima 2.5 4-Dr Sedan will be $322 less expensive the cost to insure the more costly Altima 3.5 SR 2-Dr Coupe model, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $296 | $584 | $424 | $26 | $126 | $1,456 | $121 |
| Altima 2.5 S 4-Dr Sedan | $296 | $688 | $424 | $26 | $126 | $1,560 | $130 |
| Altima Hybrid 4-Dr Sedan | $334 | $688 | $424 | $26 | $126 | $1,598 | $133 |
| Altima 2.5 S 2-Dr Coupe | $334 | $688 | $480 | $28 | $144 | $1,674 | $140 |
| Altima 3.5 SR 4-Dr Sedan | $334 | $688 | $424 | $26 | $126 | $1,598 | $133 |
| Altima 3.5 SR 2-Dr Coupe | $334 | $792 | $480 | $28 | $144 | $1,778 | $148 |
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Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Table data does not factor in specific zip code location which can decrease or increase price quotes considerably.
Trying to buy low-cost car insurance is confusing at best, and figuring out which company offers the best car insurance rates for a Nissan Altima involves even more shopping around. Every insurance company uses a different method to set premium rates, so let’s begin by taking a look at the overall cheapest car insurance companies in San Jose, CA.
We do need to point out that California car insurance rates are influenced by many factors that control the price of your policy. This price fluctuation is why consumers need to take the time to compare as many rates as possible when trying to find affordable car insurance quotes for a Nissan Altima. Car insurance prices are influenced by many risk factors and can change substantially, so the cheapest rate when you bought your policy may now not even be in the top five.
Find the Best Cheap Insurance for Your Altima
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Wawanesa | $1,181 |
| 3 | CSAA | $1,198 |
| 4 | Century National | $1,226 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,491 |
| 8 | Mercury | $1,503 |
| 9 | Progressive | $1,512 |
| 10 | GEICO | $1,513 |
| 11 | Allied | $1,541 |
| 12 | Allstate | $1,543 |
| 13 | The Hartford | $1,591 |
| 14 | MetLife | $1,606 |
| 15 | Esurance | $1,705 |
| 16 | Unitrin | $1,733 |
| 17 | State Farm | $1,750 |
| 18 | Travelers | $1,806 |
| 19 | Bristol West | $1,831 |
| 20 | Farmers | $1,966 |
| Find Your Rate Go | ||
USAA generally has some of the lowest car insurance rates in San Jose at around $1,143 a year. Wawanesa, CSAA, Century National, and Nationwide also make the cut as some of the cheaper San Jose, CA insurance companies.
As the rates illustrate above, if you are a policyholder with Nationwide and switched to Wawanesa, you might realize a yearly savings of around $69. Insureds with 21st Century could save as much as $198 a year, and Grange insureds might lower prices by up to $310 a year.
To discover how much you can save, click here to get quotes or click several companies below for low rates.
These premium estimates are averages across all drivers and vehicles in California and do not take into consideration a vehicle location for a Nissan Altima. So the car insurance company that is best suited for you may not even be in the top 24 companies shown above. That emphasizes why you need to quote rates from many companies using your own driver and vehicle profiles.
Discount San Jose auto insurance rates
Auto insurance companies that provide coverage for a Nissan Altima may also offer special discounts that could lower prices by as much as 35% if you qualify. The best car insurance companies and some of their more popular discounts can be read below.
- Mercury Insurance offers discounts including good driver, good student, multi-policy, professional/association, and ease of repair.
- Farmers Insurance includes discounts for early shopping, teen driver, switch companies, youthful driver, distant student, homeowner, and multi-car.
- Farm Bureau discounts include youthful driver, good student, multi-vehicle, 55 and retired, multi-policy, and driver training.
- State Farm has discounts for good student, multiple autos, passive restraint, anti-theft, student away at school, accident-free, and multiple policy.
- Allstate offers discounts for teenSMART discount, defensive driver, FullPay discount, senior citizen, utility vehicle, good student, and multi-policy.
- GEICO policyholders can earn discounts including emergency military deployment, daytime running lights, anti-theft, multi-vehicle, federal employee, five-year accident-free, and good student.
The diagram below shows the comparison of insurance rates with and without discounts applied to the premium. The information is based on a female driver, no violations or accidents, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with marriage, homeowner, anti-theft, vehicle safety, defensive driving course, and multiple vehicle discounts applied. When these discounts are applied to the policy premium, the average savings per year on car insurance for a Nissan Altima is 28% or $788.
Low rates today, overpriced tomorrow
San Jose car insurance rates are impacted by many things which can significantly increase or decrease the policy price. Simply having another birthday, having a teen driver, or getting a ticket for careless driving can produce rate changes resulting in some rates now being more affordable than others.
In addition to those changes, auto insurance companies amend premium rates as often as every quarter to adjust for heavy claims or excess profits. Larger than normal claims may result in rate hikes, while less frequent claims may result in cheaper Altima insurance rates.
To help illustrate this point, the bar chart below shows a variety of companies that have the cheapest car insurance in San Jose, CA for a 30-year-old male driver with no prior claims, no tickets, and excellent credit. When comparing rates based on his personal profile, Wawanesa has the lowest car insurance rates in San Jose at $1,249 a year. This is $402 less than the average rate paid by California drivers of $1,651. USAA, Century National, CSAA, and Nationwide also make the list of the cheapest San Jose, CA auto insurance companies.
In the next rate comparison, we’ll give the driver from the first example an accident claim, bad credit, and a speeding citation. Since every car insurance company has their own formula for determining rates, comparing prices may result in a different set of the cheapest car insurance companies in San Jose as shown below.
Grange now has the cheapest car insurance in San Jose, CA with Mercury, Progressive, Allstate, and GEICO now being in the top five. This demonstrates why California drivers need to compare as many rates as possible when trying to get the cheapest auto insurance rates for a Nissan Altima. Insurance prices are influenced by many different factors and change dramatically, so the best company when you last compared rates may now not even be in the top five.
If you wish to have a professional recommendation when trying to find lower insurance rates for an Altima, the insurance agencies below are a good start to help you determine which auto insurance coverages would be the best in your situation. To locate a San Jose car insurance agency closest to you, click the link at the bottom or click here to compare price quotes.
- Nhut Ho – State Farm Insurance Agent
2048 Tully Rd – San Jose, CA 95122 – (408) 223-6163 - Casey Nguyen Insurance Agency, Inc.
1639 Meridian Ave a – San Jose, CA 95125 – (408) 286-4467 - GEICO Insurance Agent
2195 Monterey Rd #20 – San Jose, CA 95125 – (408) 286-4342
View more San Jose, CA insurance agents
How to find more affordable auto insurance for a Nissan Altima
Below you’ll find some of the recommended money-saving solutions that can help you find cheaper car insurance.
- Violations and traffic tickets increase rates
- Bundle home and auto and save
- Increase your credit rating
- At-fault accidents can raise rates significantly
- Higher deductibles save money
- Frequent claims will increase rates
- Compare rate quotes often
The final tip is incredibly necessary, as we pointed out in the prior article. Insurance rates can be adjusted at any time, so don’t be tentative to buy from a new company if a more affordable rate is found.
Staying with the same company for years is fine, but it’s not recommended if that devotion results in you overpaying hundreds of dollars a year. In less than five minutes you could compare prices to find cheaper auto insurance for a Nissan Altima in San Jose.