Best Cheap Insurance Quotes for a Nissan Altima in Arizona

Buying affordable auto insurance for a Nissan Altima in Arizona is dependent upon a complex formula that factors things such as whether you are single or married, whether or not you have prior claims, and deductible levels for physical damage coverage. Drivers in Arizona pay on average $1,220 every 12 months to buy insurance for a Nissan Altima, but that amount is a projection calculated using a 40-year-old single male driver that has comprehensive and collision coverage and $100 physical damage deductibles.

It’s highly likely that you are not 40 and possibly not even male, possibly married instead of single, and you want different coverage limits than the example. The different assumptions illustrate why the best method for finding cheap insurance prices for your Nissan is to compare as many rates as possible.

Insure Your Nissan for Less

The trim level of your Altima will most likely have an effect on the annual cost of coverage, so the price to insure a Altima 2.5 4-Dr Sedan will be $288 lower than the insurance cost for the more expensive Altima 3.5 SR 2-Dr Coupe trim level, as shown by the rates below.

Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Information does not factor in your specific Arizona location which can lower or raise premiums substantially.

Deciphering which companies offer the lowest-priced car insurance rates for a Nissan Altima involves a little more effort than just quoting one company’s rates.

Every car insurance company has a proprietary formula for setting prices, so let’s take a look at the lowest cost car insurance companies in Arizona. It’s a good idea to be aware that Arizona car insurance rates are impacted by many factors which can substantially change the price you pay. Simply improving your credit, buying a home, or getting a driving violation may cause policy rate changes that may make certain companies cheaper than before.

Lowest Insurance Price Quotes for Your Altima

Compare Rates and Save

google.charts.setOnLoadCallback(drawAZT5qcibChart);function drawAZT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘The Hartford’, 820, ‘#FF9333’], [‘Safeco’, 896, ‘#D47A2A’], [‘Auto-Owners’, 924, ‘#B06523’], [‘Progressive’, 1118, ‘#92541D’], [‘Travelers’, 1119, ‘#794618’]]);var options = {title: ‘Top Five Low-Priced Auto Insurance Companies in Arizona’,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:1219,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);}

The Hartford generally has some of the cheapest car insurance rates in Arizona at around $820 annually. Safeco, Auto-Owners, Progressive, and Travelers would also make the list of some of the best Arizona auto insurance companies.

As the rates illustrate above, if you are currently insured with Progressive and switched to Safeco, you might achieve savings of upwards of $222. Arizona drivers with Travelers might save as much as $223 a year, and USAA customers might see rate reductions of $228 a year.

To find the best cheap insurance for a Nissan Altima in Arizona, click here to start a quote or click several companies below for low rates.

Be aware that those rates are averaged for all types of drivers and the different vehicles they drive and are not factoring in a specific rate value for a Nissan Altima. So the auto insurance company that can offer you the best price may not even be in the list of companies shown earlier. That point stresses why you need to compare prices as often as possible using your own personal information and vehicle type.

Comparison of full coverage and liability-only policies

Finding the best cheap insurance for a Nissan Altima in Arizona is important to the majority of vehicle owners, and one of the fastest ways to find cheaper insurance is to buy only liability coverage. The information below shows the difference between annual premium costs when comparing full coverage to liability only. The price estimates are based on a clean driving record, no at-fault accidents, $1,000 deductibles, single status, and no discounts are taken into consideration.

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Averaged out for all age groups, comp and collision coverage costs $1,704 per year more than just insuring for liability. That brings up the question if you should buy full coverage. There is no definitive formula to stop buying comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of coverage is about 10% or more of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

For example, let’s pretend your vehicle’s settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $4,000 after the policy deductible has been paid. If you are paying over $400 annually for physical damage coverage, then you might want to think about dropping full coverage.

There are some circumstances where only buying liability is not a good idea. If you haven’t satisfied your loan, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not drop full coverage.

The chart below shows how choosing a deductible can increase or decrease insurance prices when getting quotes for cheap insurance for a Nissan Altima. The rates are based on a single female driver, full coverage, and no discounts are applied to the premium.

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The chart above illustrates that a 50-year-old driver could lower their car insurance rates by $330 a year by changing from a $100 deductible up to a $500 deductible, or save $500 by using a $1,000 deductible. Even younger drivers, like the 20-year-old category, could drop their prices $844 annually just by choosing higher deductibles. When raising deductibles, it is important to have plenty of discretionary funds to be able to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Cheapest car insurance: State Farm, Progressive, Geico, or Allstate

When comparing rates for insurance for an Altima in Arizona, some of the largest companies to start with are State Farm, Progressive, Geico, and Allstate. Between them, they make up almost 50% of the entire U.S. auto insurance market. They all have different optional coverages and features that shoppers can choose from. The data below compares and contrasts pricing and service ratings, plus some optional coverages shoppers can expect to find with each one.