How Much are Insurance Quotes for a Nissan Altima in Ohio?

Our content editors always give us grief that when writing about auto insurance, the words “affordable” or “cheap” really shouldn’t be used anywhere in the article as a descriptor for auto insurance rates. Sad but true, cheap car insurance for a Nissan Altima can be difficult to find. But don’t despair, because we will teach you how you can quote and buy insurance that is easy on your budget.

Finding cheaper insurance for a Nissan Altima in Ohio hinges on factors like the safety features built into your vehicle, the performance level of your vehicle, and if you have any chargeable driving offenses. Drivers in Ohio pay around $760 annually to buy insurance for a Nissan Altima, but that figure is a ballpark figure based on rate data for a 40-year-old single female who requires both comprehensive and collision coverage and $500 deductibles.

Most likely you may not be 40 years old (or even female), maybe you are married instead of single, or maybe you had a chargeable driving offense. Every policy is rated specifically for the driver, so the only way to find cheap insurance rates for your Nissan is to compare rates from as many companies as possible.

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The trim level of your Altima will influence the insurance rate, so the cost to insure a Altima 2.5 4-Dr Sedan trim level will be $166 cheaper than the cost to insure the more expensive Altima 3.5 SR 2-Dr Coupe trim level, as shown in the prices below.

Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Premium costs do not factor in specific zip code location which can alter auto insurance rates noticeably.

Buying coverage from a good quality insurer can be a challenge considering how many choices you have in Ohio. The company ratings shown below could help you select which insurers you want to consider when comparing auto insurance rates for a Nissan Altima. These ratings only include the largest companies in America, so companies that may only write in Ohio will not be included in the list.

Top 10 Large Auto Insurers Overall in Ohio

1. USAA
2. 21st Century
3. GEICO
4. Nationwide
5. AAA Insurance
6. Liberty Mutual
7. Safeco Insurance
8. State Farm
9. Travelers
10. American Family

Top Companies for Nissan Altima Insurance in Ohio

Rate comparison of full coverage and liability-only

Finding cheap insurance for a Nissan Altima in Ohio is important to the majority of vehicle owners, and an effective way to pay less for insurance is to not insure for full coverage. The information below illustrates the difference between insurance costs with full coverage and liability only. The information is based on no tickets, no at-fault accidents, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.

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If we average all the age groups together, comprehensive and collision coverage on your policy costs an additional $1,358 per year over having just liability coverage. That brings up the question if buying full coverage is worth the money. There is no definitive rule to delete full coverage, but there is a guideline you can use. If the annual cost of having full coverage is more than around 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

There are some situations where only buying liability is not a good idea. If you still have a loan on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not drop full coverage.

Impact of violations and accidents on rates

One of the best ways to snag low insurance premiums for an Altima is to be a careful driver and avoid tickets and accidents. The example below illustrates how speeding tickets and at-fault accidents influence auto insurance rates for each different age group. The rates are based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 1867,2427,2991],[‘Age 30’, 1315,1877,2437],[‘Age 40’, 1297,1859,2421],[‘Age 50’, 1137,1697,2261],[‘Age 60’, 1085,1643,2207],[‘Age 70’, 1167,1725,2289]]);var options = {title: ‘Impact of Citations and Accidents on Ohio Nissan Altima Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Altima in Ohio’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data above shows the average cost of car insurance in Ohio per year with no accidents or violations is $1,311. Get two speeding tickets and the average cost rises to $1,871, an increase of $560 each year. Then add in one accident along with the two speeding tickets and the annual cost of insurance for a Nissan Altima increases to an average of $2,434. That’s an increase of $1,123, or $94 per month, just for not paying attention while driving!

Find cheap insurance for a Nissan Altima in Ohio

The list below summarizes many penny-pinching ideas that can help you find more affordable auto insurance.

• Multi-policy discounts save money
• Improve your credit rating
• Drive attentively and avoid accidents
• Increase physical damage deductibles
• Pay for small claims rather than turning them in to your insurance company
• Speeding tickets and other violations increase rates
• Compare price quotes at least once a year

That last tip is extremely important, as we noted in this write-up. Insurance rates in Ohio can be adjusted at any time, so don’t be afraid to switch carriers if you can find a cheaper rate. Sticking with a specific company is fine, but we do not recommend it if your bullheadedness ends up costing you thousands of dollars over the life of your policy. It only takes a couple minutes to compare rates to find cheaper insurance for a Nissan Altima.

Allstate, State Farm, Geico, or Progressive: Who is cheapest?

When it comes to buying insurance for an Altima, probably the best companies to start with are Allstate, State Farm, Geico, and Progressive. They all have a unique set of features, discounts, and options that shoppers can select from. The following table breaks down ratings and policy coverage options that are available from each company.