Finding affordable auto insurance for a Nissan Altima is dependent upon a lot of factors such as whether you are male or female, your claims history, and physical damage deductibles. New Jersey drivers will pay on average $1,683 annually for Altima insurance, but that price is a valuation using a 40-year-old married female driver with full physical damage coverage and $100 deductibles.
If we were betting, you may not be 40 years old (or even female), maybe you are single instead of married, and maybe your Altima just needs liability-only coverage. Having what appears to be a very minor change in rating variables or coverage information can result in a massive change in how much insurance for a Nissan Altima costs.
Having different needs demonstrates why the best method for finding the cheapest rates for your Nissan is to put in the effort to do a thorough rate comparison. In just a couple of minutes you will be able to compare rates from top-rated car insurance companies around.
Your vehicle’s trim level has an effect on the cost of insurance, so the price to insure a Altima 2.5 4-Dr Sedan trim level will be $394 cheaper than the price to insure the fancier 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 | $356 | $732 | $504 | $30 | $152 | $1,774 | $148 |
| Altima 2.5 S 4-Dr Sedan | $356 | $862 | $504 | $30 | $152 | $1,904 | $159 |
| Altima Hybrid 4-Dr Sedan | $402 | $862 | $504 | $30 | $152 | $1,950 | $163 |
| Altima 2.5 S 2-Dr Coupe | $402 | $862 | $570 | $34 | $170 | $2,038 | $170 |
| Altima 3.5 SR 4-Dr Sedan | $402 | $862 | $504 | $30 | $152 | $1,950 | $163 |
| Altima 3.5 SR 2-Dr Coupe | $402 | $992 | $570 | $34 | $170 | $2,168 | $181 |
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Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Rates do not factor in specific Jersey City garaging location which can raise or lower premiums substantially.
Trying to find cheap auto insurance is easier said than done, and deciding which company has the best insurance rates for a Nissan Altima will involve a little more work. Each insurer has a different process to determine premium rates, so let’s take a look at the lowest cost insurance companies in Jersey City.
Find Cheaper Auto Insurance for Your Altima
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | 21st Century | $1,100 |
| 2 | Travelers | $1,145 |
| 3 | New Jersey Manufacturers | $1,258 |
| 4 | Penn National | $1,379 |
| 5 | Palisades | $1,395 |
| 6 | Allstate | $1,478 |
| 7 | California Casualty | $1,495 |
| 8 | The Hartford | $1,536 |
| 9 | USAA | $1,553 |
| 10 | Mercury | $1,603 |
| 11 | Esurance | $1,838 |
| 12 | Amica | $1,869 |
| 13 | Progressive | $1,881 |
| 14 | MetLife | $1,951 |
| 15 | State Farm | $2,226 |
| 16 | GEICO | $2,240 |
| 17 | Encompass | $2,397 |
| 18 | Liberty Mutual | $2,920 |
| 19 | Hanover | $3,869 |
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21st Century normally has some of the cheapest car insurance rates in Jersey City at around $1,100 each year. This is $752 less than the average premium paid by New Jersey drivers of $1,852. Travelers, New Jersey Manufacturers, Penn National, and Palisades also make the cut as some of the cheaper Jersey City, NJ auto insurance companies.
In the above rates, if you are currently insured with Palisades and switched to Travelers, you may realize an annual savings of upwards of $250. Drivers with Allstate could save as much as $333 a year, and California Casualty insureds might see rate reductions of $350 a year.
To compare your rates to other New Jersey insurance companies, click here to start your custom quote or visit any of the companies below.
It’s important to note that these premium estimates are averaged across all insureds and vehicles and and are not calculated with a vehicle location for a Nissan Altima. So the auto insurance company that fits your age and vehicle best may not even be in the top 19 companies in the list above. That underscores the importance of why you need to compare prices as often as possible using your own specific driver information and vehicle.
Get discount Jersey City insurance rates
Insurance providers that offer quotes for a Nissan Altima may have special discounts that may potentially lower prices by 25% or more if you qualify for them. A list of insurance companies and the discounts they provide are detailed below.
- Mercury Insurance policyholders can earn discounts including accident-free, age of vehicle, anti-theft, location of vehicle, type of vehicle, multi-car, and professional/association.
- Farmers Insurance offers discounts including good student, business and professional, electronic funds transfer, distant student, early shopping, and bundle discounts.
- Farm Bureau may have discounts that include multi-policy, good student, youthful driver, safe driver, and driver training.
- State Farm has discounts for multiple autos, anti-theft, student away at school, Drive Safe & Save, good student, safe vehicle, and driver’s education.
- Allstate offers discounts for EZ pay plan discount, 55 and retired, anti-lock brakes, safe driver, early signing, senior citizen, and good payer.
- GEICO includes discounts for five-year accident-free, driver training, federal employee, anti-lock brakes, membership and employees, seat belt use, and military active duty.
The chart below compares yearly insurance costs with and without discounts being applied to the rates. Data assumes a male driver, no claims or driving citations, New Jersey state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows premium with no discounts. The second bar shows the rates with safe-driver, marriage, multiple vehicle, accident-free, claim-free, and anti-theft discounts applied. With discounts applied, the average savings per year on insurance for a Nissan Altima is 28% or $989.
Comparing rates on Altima insurance can save you money
Jersey City insurance rates are calculated based on many things that will increase or decrease the cost of coverage. Simply turning a year older, marrying your spouse, or having an at-fault accident can produce rate changes resulting in some rates now being cheaper than others.
Not only may your situation change, but auto insurance companies amend premium rates at least once a year to adjust for unexpected claims or profits. Significantly higher claims can cause more expensive prices, while less frequent claims can cause cheaper Altima insurance rates.
To help illustrate this point, the chart below shows the company with the cheapest car insurance in Jersey City, NJ for a 35-year-old male driver with no prior claims, no tickets, and good financial standing. When comparing rates based on his current risk profile, 21st Century has the most affordable car insurance rates in Jersey City at $1,436 each year. This is $416 less than the average rate paid by New Jersey drivers of $1,852. Travelers, New Jersey Manufacturers, Penn National, and Palisades round out the rest of the best Jersey City, NJ auto insurance companies.
Now let’s give the driver from the first rate comparison a claim or two, poor credit, and a couple of points charged on his driving record. Due to the fact that every insurance company has a proprietary formula to set their prices, analyzing rate quotes could result in a new list of the cheapest Jersey City car insurance companies as shown below.
The Hartford now has the best car insurance rate in Jersey City with Allstate, USAA, Mercury, and Travelers now rounding out the top five. This demonstrates why drivers need to compare rates to get the cheapest auto insurance rates for a Nissan Altima. Rates are influenced by many risk factors and change substantially, so the most economical company the last time you shopped your coverage around may now not even be in the top five.
How to find economical insurance for a Nissan Altima
Lowering your rates is not difficult, and here are a few thrifty ideas that can help drivers find low-cost auto insurance.
- Accident-free drivers may qualify for discounts
- Pay for small claims rather than turning them in to your insurance company
- Raise physical damage deductibles
- Be a cautious driver
- Older vehicles may not need full coverage
- Ensure you have the best deal by shopping around regularly
That final tip is notably crucial, as we hit on in this piece. Coverage prices in Jersey City change constantly, so don’t be hesitant to switch companies if you find a better deal.
Having a favorite company is great, but is isn’t recommended if your bullheadedness ends up costing you a fortune every year. It only take a few minutes to shop around to find cheaper auto insurance for a Nissan Altima.
The agencies below can help you determine which coverage meets your needs best, as some drivers aren’t sure which coverage they need and prefer to get some professional input when shopping around for cheaper insurance for an Altima. It can be time-consuming to find the best policy yourself, and using a licensed agent can provide you comfort knowing your policy gives you adequate protection. To locate a Jersey City insurance agent in your neighborhood, click the button at the bottom of the list or click here to compare rates now.
State Farm Insurance – Freddy Duran
1025 Summit Ave – Jersey City, NJ 07307 – (201) 604-3874
Diaz Insurance Agency
815 Bergenline Ave – Union City, NJ 07087 – (201) 348-1288
MHM Insurance
243 Central Ave # 1 – Jersey City, NJ 07307 – (201) 721-6081