Best Cheap Insurance for a Nissan Altima in South Dakota

When discussing auto insurance, the words “affordable” or “cheap” really should not be used anywhere in the article as a descriptor for car insurance rates. The fact is, cheap car insurance for a Nissan Altima just does not exist. But don’t let that discourage you, because we will tell you how you can still get insurance that is easier on your budget.

Your ability to find affordable insurance for a Nissan Altima in South Dakota depends upon many factors like whether or not your vehicle has good safety ratings, the likelihood of vehicle theft, and any past driving violations you may have had. Drivers in South Dakota pay an average rate of $760 each year for Altima insurance, but that amount is a valuation that rates a 50-year-old single female driver that has full physical damage coverage and $1,000 policy deductibles.

More likely than not, you are not exactly 50 years old and possibly not even female, possibly married instead of single, or maybe you prefer higher deductibles. Every driver has a different risk profile, so the best method for finding cheap insurance prices for your Nissan is to take your time and compare rates from as many companies as possible.

Find Cheaper Nissan Altima Insurance

The trim level of your Nissan will likely have an effect on the coverage cost, so the price to insure a Altima 2.5 4-Dr Sedan will be $154 less than the price to insure the more expensive Altima 3.5 SR 2-Dr Coupe trim level, as shown in the prices below.

Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Dakota minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Price information does not factor in specific garaging location which can revise price quotes significantly.

Best insurance in South Dakota

Insuring your vehicle with the highest-rated insurance company is difficult considering how many different companies sell coverage in South Dakota. The information displayed below can help you choose which auto insurers you want to consider comparing rates from.

The ratings below are only made up of major nationwide insurance companies, so smaller companies are not taken into consideration for these rankings. If you wish to compare rates from these and other competitive companies, click here.

The example below illustrates how your choice of deductibles can impact insurance costs when quoting cheap insurance for a Nissan Altima. Data assumes a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

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As shown above, a 30-year-old driver could save $324 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $492 by choosing a $1,000 deductible. Younger drivers, like the age 20 example, have the ability to save as much as $694 every year just by choosing larger deductibles.

When insureds make the decision to increase the deductibles on their policy, it will be required to have enough in a savings account to be able to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Reckless driving habits raise South Dakota insurance rates

The easiest method to obtain affordable insurance prices in South Dakota for an Altima is to be a good driver and avoid accidents and traffic violations. The diagram below highlights how speeding tickets and at-fault collisions drive up yearly insurance costs for each different age category. The premium estimates are based on a single female driver, full physical damage coverage, $250 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’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 2577,2807,4817],[‘Age 30’, 1779,2009,4017],[‘Age 40’, 1653,1883,3891],[‘Age 50’, 1447,1679,3685],[‘Age 60’, 1395,1629,3635],[‘Age 70’, 1629,1861,3865]]);var options = {title: ‘Impact of Violations and Accidents on South Dakota 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 South Dakota’,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 chart shows that the average cost of an auto insurance policy in South Dakota per year with no accidents and a clean driving record is $1,747. Receive one speeding ticket and the average cost swells to $1,978, an increase of $231 each year. Now add two accidents along with the one speeding ticket and the 12-month cost of insurance for a Nissan Altima increases to an average of $3,985. That’s an increase of $2,238, or $187 per month, just for not driving attentively!

Progressive, Geico, Allstate, or State Farm: Which is best?

When comparing insurance for an Altima in South Dakota, some of the first companies to look at are Progressive, Geico, Allstate, and State Farm. Between them, they make up over 45% of all auto insurance policies in force. The following table compares and contrasts price, claims, and customer service ratings, as well as some optional coverages you can expect with each one.