Nissan Altima Insurance
Finding the right coverage for your Nissan Altima
The Altima is a great choice if you are looking for a midsize family sedan. If you are interested in or already own an Altima, you are not alone. Fortunately, your car insurance prices won't run you dry.
Altima owners need to find an insurance policy that features the best coverage to protect their ride. An independent agent will help you purchase a policy to fit your lifestyle and at the right price.
What Kind of Insurance Do You Need for Your Nissan Altima?
Determining what's the best coverage for you requires understanding which kind of insurance is required by state laws and which is optional. The following policies are mandated in most states:
Bodily injury liability: This pays for medical bills and lost wages for passengers, pedestrians, or other drivers who are injured in an at-fault accident.
Property damage liability: If you cause an accident that results in third-party damage to a vehicle, building, structure, or home, this repairs or replaces the property.
It's possible that your state's required minimum liability insurance is not enough to protect you if you experience an incident. Make sure to speak with your independent insurance agent to understand how much liability insurance you need to be fully protected.
Medical payments/Personal injury protection: There are fourteen states that mandate personal injury protection. They are Delaware, Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, Pennsylvania and Utah. This covers a minimal amount of your personal medical treatment or that of your passengers if you're in an accident. It doesn't matter if you're at fault or not. In states where PIP insurance is not required, you have the option to purchase medical payments coverage.
Uninsured motorist coverage: If you're in an accident with an uninsured motorist, this pays for any damage to your vehicle.
Collision insurance: If you collide with other vehicles or objects, collision insurance will pay for the repairs or replacement of your vehicle.
Comprehensive insurance: If you collide with something other than a vehicle or object, it may be covered under comprehensive insurance. This will also cover damage caused by things like a tree branch falling on your car, a pine cone denting your roof, and the like. It will also cover vandalism and damage from natural disasters.
Glass coverage: Rock chips, cracks, and broken glass can impede your vision while on the road. It's also illegal to drive with a cracked or broken windshield. Glass coverage is a low cost, no deductible add-on that will pay the total cost to repair any broken glass on your vehicle.
Gap insurance: If you buy a brand new Nissan Altima, the minute you drive your new car out of the dealership's parking lot, it loses value. If you then get in an accident and your vehicle is deemed a total loss by your insurance company, you could be left having to pay the difference in what you owe and your car's value. Gap insurance will cover these costs.
What Affects the Cost of Insurance for Your Nissan Altima?
- Annual mileage: Insurance companies base premium costs on the likelihood of the driver filing a claim. If you're on the road for more than 15,000 miles a year, the insurance company may consider you a higher risk of filing a claim and increase your premium.
- Your driving record: Traffic violations never bode well for a driving record. Violations imply to the insurance company that you're not a safe driver. Fortunately, violations can be dropped from your record and your insurance agent can help you determine when that will be.
- The value of your vehicle: The largest contributing factor to insurance premium cost is the value of your vehicle. The Nissan Altima is by no means the most expensive car in the lot, but the newer the model and better trim level, the more expensive it will be to insure.
Average Nissan Altima Insurance Costs
The average, full coverage auto insurance for Nissan Altima owners is $1,446 a year, which breaks down to around $120 a month. This price increases significantly for teens and high-risk drivers. High-risk drivers can expect to pay up to $3,128 a year and teens will pay even more at $5,318. However, with discounts, a driver with no violations can pay as little as $828.
Here's how Nissan Altima premiums change for younger vs. older drivers:
|Average Nissan Altima rates by age with full coverage and a $500 deductible||Premium|
The Safety of Your Nissan Altima
A vehicle that is loaded with safety features will help to minimize damage in an accident, which lowers claim costs. Certain modern safety technologies can even help prevent accidents before they happen. The Altima comes standard with a variety of safety equipment.
The Altima is considered a Top Safety Pick and scored the highest rating of “Good” in all categories, according to the Insurance Institute for Highway Safety:
- Moderate overlap front: Good
- Side impact: Good
- Roof strength: Good
- Head restraints and seats: Good
- Small overlap front: Good
Insurers care about safety ratings for a couple of reasons:
- Minimize damage and claims: Vehicles that have great safety ratings help protect occupants when a crash occurs, which results in fewer and less expensive claims. New technologies such as autonomous braking can dramatically minimize or even prevent damage caused by a collision.
- Safer drivers: Statistics show that drivers who research vehicle safety ratings and buy vehicles that are loaded with safety features tend to drive more safely and file fewer claims.
How Location Affects Your Altima Insurance
Your location can play a crucial part in your insurance premium. For city drivers who deal with a lot of traffic and potential vandalism, you'll pay more than someone who lives in the countryside and faces less risk.
Which states are most affordable and least affordable for car insurance?
Estimated annual Nissan Altima insurance premiums in the United States:
|Most expensive states|
|Most affordable states|
Top Insurance Carriers That Insure the Nissan Altima
The insurance company you choose will determine your coverage and if they have the funds to foot the bill. Your carrier needs to be responsive and have an A-rated reserve for claim payouts. The US Independent Insurance Agent Satisfaction Study by J.D. Power gave these companies a trustworthy recommendation:
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Where to Find Car Insurance for Nissan Altima
If you already own an Altima or are in the market for one, a TrustedChoice.com independent agent can help you find the right policy for your particular situation.
Agents will do all of the legwork, gathering quotes, and making sure you are getting all the discounts that you are qualified to receive. They will then present the best options to you so you can decide which policy works best for you.
Contact an independent agent today to start your Nissan Altima insurance quote.
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