Best Cheap Insurance for a Nissan Altima in Wyoming

Our editors keep telling us that when writing about auto insurance, the word “cheap” should never appear anywhere in the article to describe car insurance prices. It’s a simple fact that cheap auto insurance for a Nissan Altima is pretty hard to find. But don’t despair, because we are going to show you how you can still get insurance that is considered budget-friendly.

Your chances of buying affordable coverage for a Nissan Altima in Wyoming depends on many rating criteria such as how many years you have been driving, if you have ever had a gap in coverage, and if you had any at-fault accidents in the last few years. Drivers in Wyoming on average pay around $920 per year for Altima insurance, but that amount is an approximation calculated using a 50-year-old single female that purchased full comprehensive and collision coverage and $1,000 physical damage deductibles.

Most likely you’re not a 50-year-old female, maybe you are married instead of single, or maybe you just want liability only instead of full coverage. There is no “one size fits all” policy, so the best way to find cheap insurance rates for your Nissan is to get into the habit of comparing rates once a year. Quotes only take a couple of minutes and you will get price quotes from top-rated companies around.

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The trim level of your Altima impacts the insurance rate, so the price you will pay to insure a Altima 2.5 4-Dr Sedan model will be $192 cheaper than the cost to insure the more costly Altima 3.5 SR 2-Dr Coupe version, as demonstrated by the prices below.

Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Wyoming minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Estimates do not factor in zip code location which can influence premiums greatly.

Trying to buy low-cost insurance is not always easy, and determining which company quotes the cheapest insurance rates for a Nissan Altima involves even more work.

Each insurance company has their own unique process for setting rates, so let’s rank the lowest cost insurance companies in Wyoming. It’s important to know that Wyoming insurance rates are impacted by many things that control the cost of having a policy. Events like turning one year older, buying a higher-value vehicle, or having an at-fault accident may generate price changes that can now make some companies more expensive than others.

Best Insurance Companies for Your Altima

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google.charts.setOnLoadCallback(drawWYT5qcibChart);function drawWYT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘USAA’, 650, ‘#FF9333’], [‘Safeco’, 908, ‘#D47A2A’], [‘The Hartford’, 962, ‘#B06523’], [‘National Farmers Union’, 970, ‘#92541D’], [‘GEICO’, 978, ‘#794618’]]);var options = {title: ‘Top Five Most Affordable Auto Insurance Companies in Wyoming’,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:1078,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(‘qcibt5cic’));chart.draw(view, options);}

USAA normally has some of the cheapest car insurance rates in Wyoming at around $650 annually. Safeco, The Hartford, National Farmers Union, and GEICO also qualify as some of the lowest-priced Wyoming auto insurance companies.

As depicted above, if you currently buy coverage from The Hartford and switched to USAA, you could earn savings of upwards of $312. Customers with National Farmers Union may save as much as $320 a year, and GEICO customers might lower prices by up to $328 a year.

Be aware that those prices are averages for all drivers and vehicles and do not take into consideration a specific rate value for a Nissan Altima. So the insurer that has the cheapest rates for you may not even be featured in the company chart above. That is why you need to compare rates from multiple companies using your own driver and vehicle profiles.

How to get discounts on Wyoming car insurance rates

Auto insurance companies that provide the best cheap insurance for a Nissan Altima in Wyoming may have price discounts that can reduce rates by as much as 40% or more if you meet eligibility requirements. A list of insurance companies and their offered discounts are included below.

The illustration below shows the difference between insurance costs with and without discounts. The data is based on a female driver, no accidents, no driving violations, Wyoming state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with multiple policy, vehicle safety, accident-free, defensive driving course, safe-driver, and claim-free discounts applied. In this example, the the average yearly reduction on insurance for a Nissan Altima is 16% or $324.

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Should you buy full coverage?

Finding the best cheap insurance for a Nissan Altima in Wyoming is probably important to most vehicle owners, and one of the fastest ways to reduce the cost of insurance is to not insure for full coverage. The example below shows the difference between yearly insurance costs when comparing full coverage to liability only. The costs are based on no claims or driving citations, $1,000 deductibles, single status, and no other discounts are factored in.

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Averaged for all age groups, comprehensive and collision coverage on your policy costs $1,902 per year more than just insuring for liability. That brings up the question when is it safe to stop buying full coverage. There isn’t a written rule that works best for making the decision to drop physical damage coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than around 10% of replacement cost minus your deductible, then it might be time to buy liability only.

There are a few cases where eliminating full coverage is not financially feasible. If you haven’t satisfied your loan, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not consider dropping full coverage.

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

If you want reliable insurance for an Altima in Wyoming, four of the best places to start are Allstate, State Farm, Progressive, and Geico. When combined, they make up almost half of the entire U.S. auto insurance market. The following table compares and contrasts some of the ratings and options that are available for customers.