Who Has Cheap Insurance for a Nissan Altima in Wisconsin?

Who Has Cheap Insurance for a Nissan Altima in Wisconsin?

Whether or not you can find affordable auto insurance for a Nissan Altima in Wisconsin is contingent on an enormous amount of factors such as how safe your vehicle is, if you have prior claims, and your driving record. Drivers will pay on average $820 every 12 months to insure a Nissan Altima, but that price is a ballpark figure based on cost data for a 30-year-old married female driver that includes comprehensive and collision coverage and $100 physical damage deductibles.

It’s more than likely you are not exactly 30 years old and possibly not even female, you might be single instead of married, or maybe you had a chargeable driving offense. Auto insurance is not “one size fits all”, so the best way to quote cheap insurance prices for your Nissan is to do a thorough rate comparison. Do a quick rate comparison now and you will receive prices from the best auto insurance companies around.

Compare Rates and Save

Your Nissan’s trim level will influence price, so the price you pay to insure a Altima 2.5 4-Dr Sedan trim level will be $194 less than the price to insure the more well-appointed Altima 3.5 SR 2-Dr Coupe version, as shown in the table below.

Nissan Altima Insurance Rates in Wisconsin
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $192 $350 $234 $14 $70 $860 $72
Altima 2.5 S 4-Dr Sedan $192 $412 $234 $14 $70 $922 $77
Altima Hybrid 4-Dr Sedan $216 $412 $234 $14 $70 $946 $79
Altima 2.5 S 2-Dr Coupe $216 $412 $266 $16 $80 $990 $83
Altima 3.5 SR 4-Dr Sedan $216 $412 $234 $14 $70 $946 $79
Altima 3.5 SR 2-Dr Coupe $216 $476 $266 $16 $80 $1,054 $88
Get Your Own Custom Quote Go

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Wisconsin minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Premium costs do not factor in garaging location in Wisconsin which can affect premium rates substantially.

Selecting a highly-rated insurance company can be a challenge considering how many different companies insure vehicles in Wisconsin. The ranking data below may help you pick which coverage providers to look at when trying to find the cheapest insurance for a Nissan Altima.

These ratings are for large insurance companies, so smaller companies that only insure vehicles in Wisconsin are not factored into these rankings. If you wish to compare rates from the insurers below and more, click this link.

Wisconsin Auto Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Erie Insurance 92 90 82 88% A+ 88.5
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Compare Rates Now Go

Data Source: Insure.com Best Car Insurance Companies

Get discount Wisconsin car insurance

Auto insurance for an Altima in WisconsinInsurance companies that offer cheap insurance for a Nissan Altima in Wisconsin may also offer policy discounts that can lower rates by 30% or more if you meet the requirements. A list of auto insurance companies and a selection of discounts are shown below.

Car Insurance Discounts by Company
Discount State Farm Progressive Geico Allstate
Multi-policy Yes Yes Yes Yes
Multiple vehicles Yes Yes Yes No
Theft prevention Yes Yes Yes Yes
Safe vehicle Yes No Yes Yes
Air bags Yes No Yes Yes
New vehicle Yes No No Yes
Accident-free Yes Yes Yes Yes
Defensive driving course Yes Yes Yes Yes
Low mileage Yes Yes No Yes
Active duty military Yes Yes Yes No
Occupational No No Yes No
Full payment No Yes Yes Yes
Paperless billing No Yes Yes Yes
Brand loyalty Yes Yes No No
Smart student Yes Yes Yes Yes
Student at college Yes Yes No Yes
Own a home No Yes No No
Seat belt use No No Yes No
Online quote No Yes No No
Teen driver No Yes No No
Government employee No No Yes No
Get Quotes Go

The chart below illustrates the comparison of insurance costs with and without discounts being applied to the rates. The data assumes a male driver, no claims or violations, Wisconsin state minimum liability limits, full coverage, and $250 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with multiple vehicle, vehicle safety, defensive driving course, claim-free, safe-driver, and marriage discounts applied. When taking advantage of discounts, the average savings per year on auto insurance for a Nissan Altima is % or $.

How to find low-cost auto insurance for a Nissan Altima

The list below details some of the better penny-pinching suggestions that can help drivers find cheaper coverage.

  • Increase your credit rating
  • Increase your deductibles
  • Avoid having at-fault accidents
  • Serious violations like DUI or reckless driving can increase rates dramatically
  • Safer vehicles generally have cheaper insurance rates
  • Comparison shop at least once a year

That final tip is extraordinarily significant, as we stressed in this article. Insurance rates in Wisconsin change constantly, so you should be ready to switch to a new company if you can save money. Loyalty to a specific company is fine, but is isn’t recommended if that faithfulness ends up costing you a wad of cash every year. If you have a few minutes, now is a great time to compare prices to find cheaper insurance for a Nissan Altima.

Cheap Nissan Altima insurance quotes

There are many different ways to quote cheap auto insurance rates in Wisconsin, but the most common methods are using an independent insurance agent, an exclusive agency like Allstate or State Farm, or direct from companies such as Progressive or Geico.

Each way has the same basic process, but buyers should know the differences in how they provide rate quotes.

Independent agencies work for many companies and can quote your policy with every one. They do not write with just one company and can give you a larger rate selection, which can help you get better odds of saving money. If prices rise, an independent agent can move your coverage which prevents you from having to find a new agency.

Exclusive agents are usually restricted to one insurance company, for example an Allstate or State Farm agent. These agents are unable to provide other companys’ prices, so drivers will want to get other quotes as well.

If you choose to buy auto insurance direct, you bypass an agent and buy direct from companies such as Progressive or Geico. This option may be preferred by families who do not need advice for asset protection and have a decent understanding of what is covered and what is not.

Out of those three methods, which one works best to find cheap insurance for a Nissan Altima in Wisconsin? The majority of people assume that buying from a direct company results in the cheapest rates since it doesn’t require paying agent commissions, but in reality, that is not true. And we’d like to say an independent agent results in the best rates due to increased selection, but that idea is not necessarily true either. In a lot of cases, exclusive agencies have extremely competitive rates that cannot be met by either independent or direct companies.

Due to the fact that auto insurance rates vary so much, the best method to get rock-bottom rates is to compare rate quotes from as many companies as possible. Be sure to get price quotes from all three in order to be able to find the lowest price. For a list of companies offering online discounts, click here to view.