Cheapest Insurance Quotes for a Nissan Altima in Georgia
Enter your Georgia zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 9, 2019
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Your chances of buying the cheapest insurance for a Nissan Altima in Georgia depends upon factors such as whether the vehicle is new, your current insurance company, and driving citations. Georgia drivers will pay around $1,420 annually to insure their Altima, but that is an estimate that uses a 50-year-old single female who requires full comprehensive and collision coverage and $100 physical damage deductibles.
When making auto insurance estimates, the issue arises that you’re not a 50-year-old female, maybe you are married instead of single, or maybe you need higher liability limits than the state minimum. Everone’s needs are different, and this illustrates why the only real way to find the most affordable coverage for your Nissan is to put in the effort to do a thorough rate comparison. It only takes a few minutes and you will be able to see rates from top-rated companies available.
The trim level of your Altima tends to have a direct effect on the yearly cost, so the rate you pay to insure a Altima 2.5 4-Dr Sedan model will be $326 cheaper than the insurance cost for the higher-end Altima 3.5 SR 2-Dr Coupe trim level, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Altima 2.5 4-Dr Sedan||$292||$600||$444||$26||$134||$1,496||$125|
|Altima 2.5 S 4-Dr Sedan||$292||$706||$444||$26||$134||$1,602||$134|
|Altima Hybrid 4-Dr Sedan||$328||$706||$444||$26||$134||$1,638||$137|
|Altima 2.5 S 2-Dr Coupe||$328||$706||$502||$30||$150||$1,716||$143|
|Altima 3.5 SR 4-Dr Sedan||$328||$706||$444||$26||$134||$1,638||$137|
|Altima 3.5 SR 2-Dr Coupe||$328||$812||$502||$30||$150||$1,822||$152|
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Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Premium amounts do not factor in Georgia location which can affect insurance rates substantially.
Determining which company has the cheapest insurance rates for a Nissan Altima requires a little more work than just picking a company at random.
Every auto insurer has their own guidelines to determine rates, so we’ll take a look at the insurance companies with the overall cheapest rates in Georgia. It’s a good idea to be aware that Georgia insurance rates are calculated based on many things that can increase the price of coverage. Simply having a birthday, having a teenage driver, or getting a ticket for careless driving can trigger price changes that can cause some rates to be more affordable than the competition.
Auto-Owners normally has some of the cheapest car insurance rates in Georgia at around $839 per year. The Hartford, USAA, Central Mutual, and MetLife also rank well as some of the more affordable Georgia auto insurance companies.
As the rates illustrate above, if you are insured with Central Mutual and switched to The Hartford, you might see yearly savings of upwards of $292. Policyholders with MetLife could save as much as $325 a year, and Travelers customers might see rate reductions of $366 a year.
To find the cheapest insurance for a Nissan Altima in Georgia for your vehicle, click here or visit any of the companies below.
Enter your zip code below to view companies that have cheap auto insurance rates.
It’s important to note that these estimates are averages for all drivers and vehicles and do not factor in a specific rate value for a Nissan Altima. So the auto insurance company that can offer the best rates for your situation may not even be featured in the above rate chart. That points out the importance of why you need to compare rates from as many companies as possible using your own driver data and vehicle information.
Discounts on the cheapest insurance for a Nissan Altima in Georgia
Auto insurance companies that offer cheap quotes for a Nissan Altima may also provide price discounts that can lower rates by as much as 35% or more if you meet the requirements. A few popular companies and a selection of discounts are shown below.
|Discount||Geico||Allstate||Progressive||State Farm||Liberty Mutual||Nationwide||Farmers|
|Defensive driving course||Yes||Yes||Yes||Yes||No||Yes||Yes|
|Active duty military||Yes||No||Yes||Yes||No||No||Yes|
|Own your home||No||No||Yes||No||No||No||Yes|
|Seat belt use||Yes||No||No||No||No||No||No|
|Get quote online||No||No||Yes||No||No||No||No|
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The diagram below visualizes the comparison of insurance costs with and without policy discounts. The costs are based on a female driver, no driving violations, no at-fault accidents, Georgia state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with passive restraint, vehicle safety, multiple policy, anti-theft, safe-driver, and marriage discounts applied. When discounts are applied, the average amount saved on insurance for a Nissan Altima is 13% or $267.
The benefit of shopping around
Georgia insurance rates are impacted by many factors that will increase or decrease the policy premium. Getting older, increasing liability limits, or getting a ticket for running a stop sign can produce rate changes resulting in some companies being more affordable than before. Not only may things change on your end, but insurers file new rates every year in order to maintain liquidity for claims. An extended period of higher than normal claims can cause more expensive premiums, while lower claims can produce cheaper Altima insurance rates.
The bar chart below analyzes the cheapest car insurance in Georgia for a 40-year-old male driver with no prior accidents, a clean driving record, and great credit. If we estimate prices based on his personal risk profile, Auto-Owners quotes the best car insurance rates in Georgia at $839 each year. This is $690 less than the average policy premium paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife are the remainder of the top five cheapest Georgia auto insurance companies.
The chart below compares rates after we give the driver from the first set of rates a claim or two, a lower credit rating, and a blemish on his driving record. Since each auto insurance company has their own guidelines to determining premium rates, analyzing rate quotes could now result in a different ranking of the cheapest car insurance companies in Georgia as shown below.
Travelers now has the lowest price on auto insurance in Georgia with The Hartford, Mercury, USAA, and Safeco now being in the top five. This illustrates why consumers need to take the time to perform a complete rate comparison to get the cheapest car insurance rates for a Nissan Altima.
Rates are calculated by many different factors and can increase or decrease at any time, so the best company when you last compared rates may now be one of the more expensive options. Use our FREE quote tool to compare now!
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