Buying the cheapest auto insurance for a Nissan Altima in Nevada is normally pretty easy, but it is dependent upon many rating factors such as miles driven annually, the likelihood of vehicle theft, and driving violations and tickets. Nevada drivers will pay on average $1,000 annually for Altima insurance, but that is based on a 30-year-old married male driver with both comprehensive and collision coverage and $250 deductibles.
The issue with using an average estimated rate is the likelihood you're not a 30-year-old male, single instead of married, or maybe you just want different deductibles. Every driver's needs are different, and that is why the best way to find cheap auto insurance rates for your Nissan is to compare as many rates as possible. Comparing quotes is easy and you will receive prices from some of the best insurers available.
The trim level of your Altima tends to have a direct impact on the cost of insurance, so the price you pay to insure a Altima 2.5 4-Dr Sedan trim level will be $226 less expensive the cost to insure the more well-appointed Altima 3.5 SR 2-Dr Coupe trim level, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Altima 2.5 4-Dr Sedan||$238||$402||$308||$18||$92||$1,058||$88|
|Altima 2.5 S 4-Dr Sedan||$238||$472||$308||$18||$92||$1,128||$94|
|Altima Hybrid 4-Dr Sedan||$268||$472||$308||$18||$92||$1,158||$97|
|Altima 2.5 S 2-Dr Coupe||$268||$472||$348||$20||$104||$1,212||$101|
|Altima 3.5 SR 4-Dr Sedan||$268||$472||$308||$18||$92||$1,158||$97|
|Altima 3.5 SR 2-Dr Coupe||$268||$544||$348||$20||$104||$1,284||$107|
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Price information does not factor in specific garaging location which can change premium rates substantially.
Picking a good quality insurance company can be difficult considering how many different insurance companies sell coverage in Nevada. The information shown next could help you decide which auto insurers you want to consider when comparing insurance rates for a Nissan Altima.
The ratings below are only made up of companies with a national presence, so smaller regional companies are not taken into consideration for these rankings. To compare prices from many more Nevada auto insurance companies, click this link.
Top 10 Major Auto Insurance Providers in Nevada Ranked by A.M. Best Rating
- USAA - A++
- Travelers - A++
- GEICO - A++
- State Farm - A++
- The Hartford - A+
- Esurance - A+
- Nationwide - A+
- Allstate - A+
- Mercury Insurance - A+
- Titan Insurance - A+
Top Companies for Nissan Altima Insurance in Nevada
Impact of violations and accidents on rates
A great way to maintain low car insurance prices in Nevada for an Altima is to be a cautious driver and avoid at-fault accidents and violations. The illustration below illustrates how violations and accident claims can impact insurance prices for different insured age categories. The rates are based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.
In the previous chart, the average cost of auto insurance in Nevada per year with no accidents or violations is $1,974. Get one speeding ticket and the average cost swells to $2,238, an increase of $264 each year. Then include one accident along with the one speeding ticket and the 12-month cost of car insurance for a Nissan Altima in Nevada goes up to an average of $2,986. That's an increase of $1,012, or $84 per month, just for not driving attentively!
Discount Nevada car insurance rates
Insurance companies that sell policies for a Nissan Altima may also offer policy discounts that can reduce rates by as much as 35% if you qualify. Companies and a selection of discounts are shown below.
- Progressive offers discounts for multi-policy, multi-vehicle, good student, online signing, homeowner, and continuous coverage.
- GEICO includes discounts for seat belt use, air bags, anti-theft, daytime running lights, five-year accident-free, defensive driver, and driver training.
- State Farm may have discounts that include good driver, Drive Safe & Save, multiple policy, good student, student away at school, accident-free, and safe vehicle.
- Esurance discounts include DriveSense, homeowner, safety device, online quote, multi-car, claim free, and anti-lock brakes.
- The Hartford may offer discounts for driver training, bundle, anti-theft, good student, and defensive driver.
The illustration below shows the difference between insurance costs with and without some available policy discounts. The premium estimates are based on a female driver, no claims, a clean driving record, Nevada state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with multiple policy, safe-driver, accident-free, vehicle safety, claim-free, and defensive driving course discounts applied. When these discounts are applied, theaverage yearly reduction on car insurance for a Nissan Altima is 28% or $632.
Why you should shop around for Altima insurance
Nevada car insurance rates are impacted by many factors which can significantly increase or decrease the price you pay for coverage. Simply having another birthday, having a teenage driver, or getting a ticket for running a stop sign can produce rate changes that can make some companies more affordable than before. Not only may things change on your end, but insurance companies modify pricing without warning in order to be able to pay unexpected claims. Higher than normal claim frequency or severity may result in higher priced premiums, while better underwriting can result in lower-priced Altima insurance rates.
To help illustrate this point, the chart below shows the company with the cheapest car insurance in Nevada for a 30-year-old female driver with no accidents or violations, and excellent credit. If we estimate rates based on her current situation, Travelers has the lowest car insurance rates in Nevada at $930 a year. This is $644 less than the average price paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and American Family are the remaining cheapest Nevada auto insurance companies.
Now we will give the driver from the first rate comparison some claims, slightly worse credit, and a few blemishes on her driving record. Since every car insurance company has their own guidelines to determine rates, analyzing rate quotes will most likely result in a completely different list of the cheapest companies as shown below.
GEICO now has the best insurance rate in Nevada with Allied, USAA, Nationwide, and Safeco now rounding out the top five. This example shows why it is so important to spend some time comparing rates when trying to find the most budget-friendly car insurance quotes for a Nissan Altima. Rates are impacted by many factors and change frequently, so the most economical company the last time you shopped your coverage around may now be quite expensive.
How to find the cheapest insurance for a Nissan Altima in Nevada
The list below details some money-saving ideas that can help you find low-cost coverage.
- Good credit can save money
- At-fault accidents will increase rates
- Save money by observing traffic laws and speed limits
- Raise physical damage deductibles
- Safe vehicles cost less to insure
- Do not pay for full coverage on older vehicles
- Shop around and save
The last idea is remarkably valuable, as was affirmed in the prior article. Prices change a lot, so drivers shouldn't be resistant to switch carriers if you can save money.
Having a favorite company is fine, but it's not a good idea if it's costing you a lot of money every month. It takes less than five minutes to shop around and find cheaper car insurance for a Nissan Altima.