Nissan Altima insurance image courtesy of QuoteInspector.com
Finding the cheapest coverage for a Nissan Altima in Ohio can be really easy, but it relies on a lot of different factors such as your marital status, the likelihood of your vehicle being stolen, and whether or not you are a good driver. Ohio drivers pay on average $835 annually for Altima insurance, but that figure is based upon a 50-year-old single male driver with both comprehensive and collision coverage and $100 deductibles.
Odds are that you're not a 50-year-old male, possibly married instead of single, or maybe you rent instead of own your home. Auto insurance requires individual risk assessment, so the way we recommend to find cheap auto insurance rates for your Nissan is to compare rates from as many companies as possible. It's really quite easy you will get price quotes from the cheapest companies available.
The specific model of Altima tends to have a direct impact on the annual cost of coverage, so the rate you pay to insure a Altima 2.5 4-Dr Sedan model will be $196 lower than the cost to insure the more well-appointed Altima 3.5 SR 2-Dr Coupe model, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Altima 2.5 4-Dr Sedan||$168||$364||$256||$16||$76||$880||$73|
|Altima 2.5 S 4-Dr Sedan||$168||$428||$256||$16||$76||$944||$79|
|Altima Hybrid 4-Dr Sedan||$190||$428||$256||$16||$76||$966||$81|
|Altima 2.5 S 2-Dr Coupe||$190||$428||$290||$18||$86||$1,012||$84|
|Altima 3.5 SR 4-Dr Sedan||$190||$428||$256||$16||$76||$966||$81|
|Altima 3.5 SR 2-Dr Coupe||$190||$492||$290||$18||$86||$1,076||$90|
|Get Your Own Custom Quote Go|
Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Premium costs do not factor in vehicle garaging location which can revise insurance rates substantially.
What is the best auto insurance company in Ohio?
Selecting the best company can be difficult considering how many companies are available to choose from in Ohio. The company ratings below may help you decide which car insurance providers to look at when comparing insurance rates for a Nissan Altima. The rankings below are only comprised of companies with a nationwide focus, so companies that only write business in Ohio or surrounding areas are not taken into consideration for this list.
Top 10 Large Car Insurance Companies in Columbus Ranked by Customer Satisfaction
- USAA - 92%
- Erie Insurance - 88%
- American Family - 88%
- State Farm - 88%
- Nationwide - 88%
- 21st Century - 88%
- AAA Insurance - 87%
- Liberty Mutual - 87%
- Farmers Insurance - 87%
- The Hartford - 87%
Top 10 Large Car Insurance Companies in Columbus Ranked by Claims Service
- Liberty Mutual
- AAA Insurance
- Safeco Insurance
- The General
Get discount Columbus car insurance
Insurers that sell policies for a Nissan Altima may provide rate discounts that can reduce rates by as much as 35% or more if you are eligible to receive them. The best auto insurance companies and their offered discounts are detailed below.
- Progressive discounts include multi-policy, continuous coverage, homeowner, online quote discount, online signing, and multi-vehicle.
- MetLife has savings for good student, claim-free, defensive driver, accident-free, good driver, multi-policy
- Mercury Insurance may offer discounts for age of vehicle, anti-theft, accident-free, location of vehicle, annual mileage, multi-car, and good student.
- Nationwide policyholders can earn discounts including business or organization, easy pay, Farm Bureau membership, defensive driving, multi-policy, and anti-theft.
- GEICO offers discounts for federal employee, air bags, anti-theft, military active duty, multi-vehicle, driver training, and five-year accident-free.
- AAA offers discounts including multi-car, multi-policy, AAA membership discount, anti-theft, pay-in-full, and good student.
The illustration below illustrates the difference between auto insurance costs with and without discounts being applied to the rates. The costs are based on a male driver, no accidents or driving violations, Ohio state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with defensive driving course, multiple vehicle, safe-driver, claim-free, passive restraint, and accident-free discounts applied. When drivers take advantage of discounts, theaverage amount saved on auto insurance for a Nissan Altima is 28% or $337.
Insurance rate increases from tickets or accidents
The easiest method to get affordable auto insurance prices for an Altima is to drive safe and maintain a clean driving record. The illustration below shows how violations and at-fault fender-benders can increase insurance costs for different age categories. The premiums assume a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.
In the chart above, the average cost of auto insurance in Ohio per year with no accidents and a clean driving record is $1,087. Factor in two speeding tickets and the average cost rises to $1,493, an increase of $406 each year. Now throw in two accidents along with the two speeding tickets and the yearly cost of auto insurance for a Nissan Altima increases to an average of $3,080. That's an increase of $1,994, or $166 per month, just for not driving carefully!
Why are you paying too much for Altima insurance?
Ohio auto insurance rates are impacted by many things that can increase the price of your policy. Simply turning a year older, increasing deductibles, or getting a DUI may prompt premium changes that can now make some companies much cheaper than others.
Not only may your situation change, but insurance companies modify pricing at least once a year to adjust for gains or losses. Higher than usual claims can cause additional price hikes, while lower claim expenses can result in more affordable Altima insurance rates.
As an example, the data below demonstrates which company has the cheapest car insurance in Columbus, OH for a 30-year-old male driver with no violations or accidents, and good credit. Based on his current risk profile, Utica National offers the most affordable car insurance rates in Columbus at $829 annually. This is $211 less than the average price paid by Ohio drivers of $1,040. Frankenmuth, Erie, Allied, and Travelers are the rest of the cheapest Columbus, OH auto insurance companies.
In this example, we will give the driver from the first example some claims, slightly worse credit, and a traffic ticket or two. Since every insurance provider uses their own calculation for setting prices, analyzing rates could now result in a different ranking of the cheapest companies as shown below.
Cincinnati Insurance now has the lowest price in Columbus with Merchants Insurance Group, Motorists Mutual, Grange Mutual, and General Casualty also being competitive. This example demonstrates why it is important to shop around with many companies when trying to find affordable auto insurance quotes for a Nissan Altima. Prices are impacted by many things and can change without notice, so the best option the last time you compared rates may now not even be in the top five.
The agents shown below can help you make a decision which insurance coverage will be best for you, as some drivers aren't sure which coverage they need and prefer to have a professional recommendation when trying to find the best insurance rates for an Altima. It can be difficult to find the best policy yourself, so a professional agent can provide peace of mind knowing your coverage gives you suitable coverage if you ever need to use it. To find an auto insurance agency nearest to you, click the button after the list.
W.E. Davis Insurance Agency
29 Frederick St - Columbus, OH 43206 - (614) 443-0533
Guy P Williams Insurance Agency
1335 Dublin Rd #110d - Columbus, OH 43215 - (614) 488-1101
David Grant - State Farm Insurance Agent
4612 N High St - Columbus, OH 43214 - (614) 262-1055
IHT Insurance Agency Group LLC
655 Metro Pl S Suite 330 - Dublin, OH 43017 - (614) 761-2825
John Dawson Associates
6025 Cleveland Ave - Columbus, OH 43231 - (614) 890-1660
Ideas to find budget-friendly insurance for a Nissan Altima
It's not impossible to find cheaper rates, and here are a few penny-pinching ideas that can help Columbus drivers buy low-cost coverage.
- Do not get into accidents
- Raise deductibles to save money
- If your vehicles are older, consider dropping full coverage
- Do not get traffic tickets
- Try paying for small claims out-of-pocket
- Compare rates regularly and switch companies to save money
That last tip is remarkably vital, as was pointed out in this article. Insurance rates change frequently, so you should be ready to switch carriers if you can save money. Brand loyalty is not necessarily bad, but we do not recommend it if that stubbornness costs you a fortune every year. Spend a few minutes and shop around and find cheaper car insurance for a Nissan Altima in Columbus.