How Much Does Insurance Cost for a Nissan Altima in Georgia?

When discussing car insurance, the words “cheap” or “affordable” should never appear anywhere in the article to describe car insurance rates. Please forgive the oxymoron, but cheap car insurance for a Nissan Altima is not always easy to find. But don’t despair, because we will teach you how you can still find and buy auto insurance that is cheaper than what you are paying now.

Your chances of finding the best cheap car insurance for a Nissan Altima in Georgia depends on dozens of factors like if you have purchased a home, if you currently have coverage, and if you have a clean driving record. Drivers in Georgia will pay on average $1,470 annually to buy insurance for a Nissan Altima, but that figure is an estimation based on rate data for a 30-year-old single male driver who requires full comprehensive and collision coverage and $250 policy deductibles.

When estimating a car insurance rate like we just did, the issue is that you’re not a 30-year-old male, possibly married instead of single, and you probably do not live in the same zip code as the example. Even a slight change in rating criteria or coverage limits can create big changes in the amount insurance costs for a Nissan Altima.

There is no one cookie-cutter policy that works for everyone, so the most reliable method for finding cheap insurance prices for your Nissan is to make a habit of regularly comparing rates from other companies.

Compare Rates and Save

The specific model of Altima can impact the yearly cost, so the price you pay to insure a Altima 2.5 4-Dr Sedan trim level will be $318 cheaper than the insurance cost for the higher-end Altima 3.5 SR 2-Dr Coupe trim level, as shown in the prices below.

Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rates do not factor in garaging location in Georgia which can revise premiums significantly.

Which insurance company is best in Georgia?

Insuring your vehicle with the top insurance provider is difficult considering how many companies there are in Georgia. The ranking data in the lists below can help you choose which insurers to look at when trying find the best insurance for a Nissan Altima. These ratings only include companies who write in the majority of U.S. states, so companies that have a smaller presence are not taken into consideration for this list.

The chart below illustrates how your choice of deductibles can impact insurance costs when searching for cheap insurance for a Nissan Altima. The premiums assume a single male driver, full coverage, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 5291,4813,4293,3801],[‘Age 30’, 2715,2493,2235,1987],[‘Age 40’, 2707,2467,2199,1943],[‘Age 50’, 2453,2243,2001,1773],[‘Age 60’, 2373,2169,1941,1723],[‘Age 70’, 2879,2647,2389,2147]]);var options = {title: ‘Effect of Higher Deductibles on Nissan Altima Insurance Rates in Georgia’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Altima’,minValue: 0,format: ‘$###,###’},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);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The chart above illustrates that a 40-year-old driver could lower rates by $452 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $680 by switching to a $1,000 deductible. Young drivers, like the 20-year-old category, could possibly save up to $1,490 or more by using a higher deductible. If you do decide to increase your deductibles, it will be required to have enough in a savings account to offset the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

Comparing rates on Altima insurance can save you money

Georgia insurance rates are impacted by many factors which can substantially decrease or increase the cost of your policy. Simply having a birthday, buying a home, or getting caught speeding may prompt premium changes that can make some companies more affordable than others. Not only that, but companies modify pricing every year or even multiple times each year to adjust for gains or losses. Unexpectedly high claims can result in price increases, while a profitable period may cause cheaper Altima insurance rates.

For instance, the graph below compares the cheapest car insurance in Georgia for a 45-year-old male driver with no accidents or violations, and good credit. If we estimate rates based on his current risk factors, Auto-Owners might quote the lowest car insurance rates in Georgia at $864 a year. This is $665 less than the average rate paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife are the remainder of the cheapest Georgia auto insurance companies.

google.charts.setOnLoadCallback(drawGAWitcqcibChart);function drawGAWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Auto-Owners’, 864, ‘#629100’],[‘The Hartford’, 886, ‘#517800’],[‘USAA’, 1008, ‘#436400’],[‘Central Mutual’, 1193, ‘#375300’],[‘MetLife’, 1276, ‘#2D4500’]]);var options = {title: ‘Best Cheap Auto Insurance for a Nissan Altima’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1376,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

Let’s now give the driver from the above example an accident surcharge, poor credit, and a blemish on his driving record. Since each company uses their own method for determing rates in each state, comparing quotes most likely will result in a substantially altered list of the cheapest car insurance companies in Georgia as shown below.

google.charts.setOnLoadCallback(drawGAWcqcibChart);function drawGAWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘The Hartford’, 1417.6, ‘#FF8500’],[‘Travelers’, 1464.1, ‘#D46E00’],[‘Mercury’, 1490.5, ‘#B05B00’],[‘Safeco’, 1505.9, ‘#924B00’],[‘State Farm’, 1529, ‘#793E00’]]);var options = {title: ‘New Rates with Accident/Violation Surcharges’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1629,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

The Hartford now has the best auto insurance rate in Georgia with Travelers, Mercury, Safeco, and State Farm now rounding out the top five. This illustrates why consumers need to compare as many rates as possible to get the most affordable car insurance quotes for a Nissan Altima.

Insurance rates are made up of many factors and change dramatically, so the best company the last time you checked may now be quite expensive.

Tips for finding the cheapest auto insurance for a Nissan Altima

It is possible to find better rates, and here are some of the recommended penny-pinching solutions that can help you buy cheaper auto insurance.

• At-fault accidents can raise rates significantly
• Increase your physical damage deductibles
• Older vehicles may not need full coverage
• Lower rates by purchasing a safer vehicle
• Good credit scores may make rates cheaper
• Violations and traffic tickets increase rates
• Compare rates once a year for cheaper prices

That final tip is especially critical, as was stressed in the prior information. Insurance prices in Georgia fluctuate constantly, so don’t be tentative to change to a new company if you can save money. Many drivers tend to have loyalty to a certain company, but is isn’t recommended if that faithfulness ends up costing you hundreds of dollars year after year. Spend a few minutes and shop around and find cheaper auto insurance for a Nissan Altima.