Finding the best cheap car insurance for a Nissan Altima is fairly simple, but it hinges on a complicated rating formula that uses factors such as annual miles driven, if you have prior claims, and blemishes on your driving record. Drivers in Louisiana pay approximately $1,147 annually to insure their Altima, but that amount is an estimate based on a 40-year-old married female driver with full comprehensive and collision coverage and $1,000 deductibles.
More likely than not, you are not 40 years old and maybe not even female, you might be single instead of married, and you need different coverage limits than the sample rates. Having even a minor difference in rating factors or requested coverage amount can result in a big discrepancy in the policy rate.
Everyone has unique insurance needs, and this illustrates why the best way to find cheap insurance rates for your Nissan is to compare as many rates as possible.
Your Nissan’s trim level will most likely have an effect on the annual cost of coverage, so the rate you pay to insure a Altima 2.5 4-Dr Sedan will cost $248 less than the price to insure the more costly Altima 3.5 SR 2-Dr Coupe version, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $190 | $372 | $488 | $28 | $146 | $1,224 | $102 |
| Altima 2.5 S 4-Dr Sedan | $190 | $440 | $488 | $28 | $146 | $1,292 | $108 |
| Altima Hybrid 4-Dr Sedan | $216 | $440 | $488 | $28 | $146 | $1,318 | $110 |
| Altima 2.5 S 2-Dr Coupe | $216 | $440 | $552 | $32 | $166 | $1,406 | $117 |
| Altima 3.5 SR 4-Dr Sedan | $216 | $440 | $488 | $28 | $146 | $1,318 | $110 |
| Altima 3.5 SR 2-Dr Coupe | $216 | $506 | $552 | $32 | $166 | $1,472 | $123 |
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Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Louisiana minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Price information does not factor in garaging location in New Orleans which can raise or lower insurance rates considerably.
Determining which insurers offer the best car insurance rates for a Nissan Altima involves a bit more effort than just comparing a company or two. Each auto insurer has a proprietary method for determining rates, so let’s take a look at the most competitive car insurance companies in New Orleans, LA.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,578 |
| 2 | MetLife | $1,892 |
| 3 | GEICO | $1,945 |
| 4 | Progressive | $1,986 |
| 5 | Safeway | $2,132 |
| 6 | Southern Farm Bureau | $2,248 |
| 7 | California Casualty | $2,315 |
| 8 | State Farm | $2,359 |
| 9 | Safe Auto | $2,653 |
| 10 | Allstate | $2,945 |
| 11 | Encompass | $3,138 |
| 12 | Liberty Mutual | $3,608 |
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USAA may have some of the best car insurance rates in New Orleans at around $1,578 per year. MetLife, GEICO, Progressive, and Safeway are also some of the cheapest New Orleans, LA car insurance companies.
As the example above demonstrates, if you are a customer of Progressive and switched to MetLife, you may see yearly savings of in the neighborhood of $94. Customers with Safeway might save as much as $240 a year, and Southern Farm Bureau customers might lower prices by $356 a year.
To see if your current coverage is too expensive, click here to get quotes or visit any of the low-priced companies below.
It’s important to note that these rates are averages across all insureds and vehicles and do not factor in a specific zip code for a Nissan Altima. So the car insurance company that fits your needs best may not even be in the top 12 companies in the list above. That emphasizes why you need to get auto insurance quotes using your own driver data and vehicle information.
Discount New Orleans auto insurance
Insurance providers that offer quotes for a Nissan Altima may additionally offer policy discounts that can lower rates by as much as 25% or more if you are eligible. Larger car insurance companies and some of the discounts are included below.
- Esurance offers premium reductions for online shopper, good student, safety device, paid-in-full, and claim free.
- The Hartford has discounts for vehicle fuel type, air bag, good student, anti-theft, defensive driver, driver training, and bundle.
- AAA policyholders can earn discounts including education and occupation, multi-car, good driver, multi-policy, good student, AAA membership discount, and pay-in-full.
- GEICO includes discounts for driver training, defensive driver, anti-theft, military active duty, and multi-policy.
- State Farm offers discounts for multiple policy, good driver, anti-theft, good student, Drive Safe & Save, and driver’s education.
The example below shows the difference between premium costs with and without discounts applied to the premium. The rate quotes are based on a female driver, no accidents, no driving violations, Louisiana state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with marriage, safe-driver, homeowner, multiple vehicle, multiple policy, and accident-free discounts applied. When discounts are factored in, theaverage amount saved on car insurance for a Nissan Altima is 28% or $655.
How careless driving impacts car insurance rates
The recommended way to earn the most affordable car insurance prices for an Altima is to drive safely and maintain a clean driving record. The example below shows how traffic citations and at-fault accidents can drive up auto insurance costs for each age group. The premium estimates are based on a single female driver, comp and collision included, $100 deductibles, and no discounts are applied.
In the previous chart, the average cost of an auto insurance policy per year with no accidents and a clean driving record is $2,985. Receive one speeding ticket and the average cost swells to $3,384, an increase of $398 each year. Then throw in two accidents along with the one speeding ticket and the 12-month cost of car insurance for a Nissan Altima jumps again to an average of $6,731. That’s an increase of $3,745, or $312 per month, just for not driving carefully!
Why are you paying too much for Altima insurance?
New Orleans car insurance rates are impacted by many factors that will increase or decrease the price you have to pay. Turning one year older, moving to a new city, or having a fender bender can trigger rate changes that can cause some rates to be cheaper in comparison to the competition.
And not only may your rating factors change, but car insurance companies file new rates at least once a year to help ensure profitability. A period of increased losses can cause additional premium costs, while lower claim levels may produce lower-cost Altima insurance rates.
To illustrate this example, the chart below compares the cheapest car insurance in New Orleans, LA for a 30-year-old female driver with no accidents, a clean driving record, and good credit. If we estimate prices based on her current rating profile, USAA has the best car insurance rates in New Orleans at $2,867 per year. This is $453 more than the average policy premium paid by Louisiana drivers of $2,414. GEICO, MetLife, Progressive, and Safeway are the rest of the best New Orleans, LA auto insurance companies.
Now we will give the driver from the above example an accident surcharge, a little lower credit rating, and a few traffic violations. Since each company uses their own method for setting rates, comparing prices may now show a completely different list of cheap New Orleans auto insurance companies as shown below.
California Casualty now has the best auto insurance rate in New Orleans, LA with State Farm, USAA, MetLife, and Safe Auto also being competitive. This example proves why New Orleans drivers need to shop around to get affordable auto insurance rates for a Nissan Altima. Prices are calculated by many different factors and change dramatically, so the cheapest option a year ago may now not even be in the top five.
The New Orleans auto insurance agencies shown below can most likely aid you in deciding which policy is best, since some drivers have questions and prefer to get help from a professional when shopping for cheaper insurance for an Altima. It can be time-consuming to find the best policy on your own, so getting advice from a licensed agent can add satisfaction knowing your policy gives you sufficient coverage at claim time.
To locate a New Orleans insurance agent near you, click the button following the list or click here to get price quotes now.
- Nola Insurance Agency
2646 Banks St – New Orleans, LA 70119 – (504) 822-8770 - Allstate Insurance: Paul Scaffidi
720 Harrison Ave c – New Orleans, LA 70124 – (504) 822-8007 - Pappalardo Agency, Inc.
145 Robert E Lee Blvd #202 – New Orleans, LA 70124 – (504) 486-7441 - Derek Morel – State Farm Insurance Agent
5555 Bullard Ave #104 – New Orleans, LA 70128 – (504) 247-9241 - Wayne Leone – State Farm Insurance Agent
1701 S Carrollton Ave – New Orleans, LA 70118 – (504) 865-1101
Find a New Orleans, LA insurance agent near you
How to find economical auto insurance for a Nissan Altima
The list below summarizes some of the better money-saving solutions that can help drivers quote cheap car insurance.
- Good credit can save money
- Avoid having at-fault accidents
- Raise your deductibles
- Save money by insuring your home and auto with the same company
- Just one traffic violation will increase your rates
- Claim-free policyholders usually earn a discount
- Compare rates regularly to ensure the best deal
The final tip is particularly significant, as we noted in this piece. Coverage rates in New Orleans fluctuate considerably, so drivers shouldn’t hesitate to buy a policy from a new company if a lower price can be found.
Staying with the same company for years is fine, but it isn’t a good idea if that stubbornness costs you thousands of dollars over several years. It only takes a couple minutes to compare prices to find cheaper car insurance for a Nissan Altima.