How Much is Insurance for a Nissan Altima in Virginia?
Enter your Virginia zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 11, 2019
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Your odds of finding cheaper insurance for a Nissan Altima in Virginia relies on a lot of factors like your marital status, whether you have good credit, and any driving offenses on your record. Drivers will pay around $650 each year for Altima insurance, but that amount is a projection assuming a 50-year-old married male driver who requires full coverage including both comprehensive and collision and $500 physical damage deductibles.
It’s more than likely you are not 50 years old and maybe not even male, single instead of married, or maybe you do not need full coverage. Every policy is rated specifically for the driver, so the most reliable way to find the cheapest insurance price for your Nissan is to do your own rate comparisons. Quotes are free and easy and you will receive prices from some of the cheapest companies that sell coverage in Virginia.
Your Nissan’s trim level will be a contributing factor to the coverage cost, so the rate you will pay to insure a Altima 2.5 4-Dr Sedan model will be $142 cheaper than the price to insure the fancier Altima 3.5 SR 2-Dr Coupe model, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Altima 2.5 4-Dr Sedan||$126||$230||$248||$14||$74||$692||$58|
|Altima 2.5 S 4-Dr Sedan||$126||$270||$248||$14||$74||$732||$61|
|Altima Hybrid 4-Dr Sedan||$142||$270||$248||$14||$74||$748||$62|
|Altima 2.5 S 2-Dr Coupe||$142||$270||$280||$16||$84||$792||$66|
|Altima 3.5 SR 4-Dr Sedan||$142||$270||$248||$14||$74||$748||$62|
|Altima 3.5 SR 2-Dr Coupe||$142||$312||$280||$16||$84||$834||$70|
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Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Rate information does not factor in the specific area where the vehicle is garaged which can alter coverage prices noticeably.
Establishing which company offers the lowest-priced insurance rates for a Nissan Altima will require a bit more effort than just quoting one company’s rates. Each company has their own guidelines for determining rates in each state, so let’s take a look at the most budget-friendly insurance companies in Virginia.
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It’s important to know that Virginia insurance rates are impacted by many things that can increase the price you pay. Improving your credit score, moving to a different location, or having a fender bender can cause premium changes that can make some companies affordable when they were higher priced.
|Rank||Company||Cost Per Year|
|9||Virginia Farm Bureau||$834|
|15||National Grange Mutual||$1,093|
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Travelers has some of the lowest car insurance rates in Virginia at around $679 annually. USAA, Penn National, Cincinnati Insurance, and Auto-Owners would also be considered some of the lowest-priced Virginia insurance companies.
In the rate table above, if you currently buy coverage from Cincinnati Insurance and switched to USAA, you may realize an annual premium reduction of approximately $39. Drivers with Auto-Owners might save as much as $42 a year, and Utica National insureds might see rate reductions of $65 a year.
Bear in mind that those premium estimates are averaged across all drivers and vehicles and and are not calculated with a specific rate factor for a Nissan Altima. So the auto insurance company that has the cheapest rates for you may not even be in the list of companies shown earlier. That helps illustrate why you need to get auto insurance quotes using your own personalized driver profile and vehicle information.
Enter your zip code below to view companies that have cheap auto insurance rates.
Should you buy full coverage?
Finding cheap insurance for a Nissan Altima in Virginia is probably important to the majority of vehicle owners, and one of the best ways to buy cheap insurance is to not buy comprehensive and collision coverage. The information below compares auto insurance costs with and without physical damage coverage. Data assumes no tickets, no at-fault accidents, $500 deductibles, marital status is single, and no additional discounts are factored in.
As an average, physical damage insurance costs an extra $1,557 per year over and above liability coverage. That is a large expense which might make you wonder if paying for full coverage is a waste of money. There is no definitive rule to eliminate physical damage coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is about 10% or more of replacement cost minus your deductible, then you might want to think about dropping full coverage.
Get discount Virginia auto insurance rates
Insurance companies that sell cheap insurance for a Nissan Altima in Virginia may have premium discounts that could lower prices by 25% or more if you meet specific criteria. A few popular companies and their offered discounts are detailed below.
|Defensive driver training||Yes||Yes||Yes||Yes|
|Student at college||Yes||Yes||No||Yes|
|Seat belt use||No||No||Yes||No|
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The illustration below shows the difference between insurance prices with and without discounts applied to the policy rates. The premium estimates are based on a female driver, no accidents or driving violations, Virginia state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with vehicle safety, multiple vehicle, homeowner, passive restraint, marriage, and safe-driver discounts applied. With discounts applied, the amount saved on insurance for a Nissan Altima is % or $.
Cheap Nissan Altima insurance quotes
There are a variety of different ways to find affordable insurance in Virginia, but the most frequently used methods are through an independent insurance agent, an exlusive agent like State Farm or Auto-Owners, or buying direct from a company like Geico or Progressive. You can use whichever method you prefer, but each is slightly different in how they price policies.
Independent insurance agencies can place your business with multiple companies and can get rate quotes from each one. These types of agencies do not write with just one company and can give you more rate choices, which may provide you with the best idea of how your rates compare. If a cheaper rate is found, your policy can be moved and you won’t have to switch agencies.
A captive, or exclusive, agent is only able to write with one insurance company, a couple examples are a Farmers or Allstate agent. They are unable to quote prices from more than just one company, so if rates are high, they cannot give you alternative choices.
The third way to buy insurance is direct which means you bypass an exlusive or independent agent and buy direct from companies such as Esurance or Progressive. Buying insurance direct may be preferred by families who do not need advice for asset protection and have a decent understanding of what limits they need.
So which of those three methods works best for finding cheap insurance for a Nissan Altima in Virginia? Most people would assume that buying direct results in the cheapest rates since there is no need to pay agent commissions, but in reality, that is not true. A valid argument could also be made that going through an independent agent results in the best rates since they can provide multiple quotes, but that assumption is also not accurate. In the right set of circumstances, exclusive agencies have very competitive rates well below independent agents AND direct companies.
Due to that fact that insurance uses so many rating variables, the best method to buy the cheapest coverage is to get as many comparison quotes as possible. Money-saving experts recommend you get price quotes all three ways to have a good selection of rates to choose from. For a list of companies with cheap rates in Virginia, click here to view.
How to get cheap insurance for a Nissan Altima in Virginia
The list below shows some of the better penny-pinching solutions that can help you locate the cheapest car insurance.
- Raise your physical damage coverage deductibles
- Good credit can save money
- Drive vehicles with five-star safety ratings
- Assess whether full coverage is needed
- Do not get into accidents
- Do not get tickets or violations
- Shop around for cheaper rates regularly
That last piece of advice is incredibly critical, as was affirmed in the prior article. Car insurance rates can be modified anytime, so don’t be afraid to change insurance companies if you find a better deal.
We understand brand loyalty, but we do not recommend it if that inflexibility results in costing you thousands of dollars over several years. Spend a few minutes and shop around to find cheaper auto insurance for a Nissan Altima.
Geico, Progressive, State Farm, and Allstate compared
If you’re looking for the cheapest insurance for an Altima, four companies to definitely compare rates with are Geico, Progressive, State Farm, and Allstate. When combined, they make up over 48% of all auto insurance written. They all have your normal coverages like liability, comprehensive, and collision, but each one offers slightly different options that may influence which company you choose. The data below compares some of the different options that policyholders can buy.
|Number of Discounts||2nd||4th||3rd||1st|
|Percent of customers who recommend||87%||88%||88%||86%|
|A.M. Best financial rating||A++||A+||A++||A+|
|New car replacement||No||No||No||Yes|
|Emergency roadside service||Yes||Yes||Yes||Yes|
|Accident forgiveness coverage||Yes||Yes||No||Yes|
|Available in Virginia||Yes||Yes||Yes||Yes|
|Insurance Agents||Can buy online or use a Geico agent||Buy online or from an independent agent||State Farm exclusive agents||Only buy from Allstate agents|
|Number of agents||150+||30,000+||18,000+||11,000+|
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