What Insurance is Cheapest for a Nissan Altima in Mesa?

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Finding cheap car insurance for a Nissan Altima can be pretty simple, but it is dependent upon a complicated formula that considers factors such as how many miles you drive each year, whether you are claim-free, and the deductible amount you use. Drivers pay on average $741 per year to insure their Altima, but that price is an approximation based upon a 50-year-old married female driver with full comprehensive and collision coverage and $500 deductibles.

But there is a high probability that you are not 50 years old and maybe not even female, maybe you are single instead of married, or maybe you just want liability only instead of full coverage. Auto insurance is unique to each driver, so the best method for finding cheap car insurance rates for your Nissan is to compare as many rates as you can.

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Vehicle trim level impacts the insurance rate, so the cost to insure a Altima 2.5 4-Dr Sedan will be $160 cheaper than the price to insure the more costly Altima 3.5 SR 2-Dr Coupe version, as shown by the rates below.

Nissan Altima Insurance Rates in Mesa, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $146 $262 $282 $16 $84 $790 $66
Altima 2.5 S 4-Dr Sedan $146 $308 $282 $16 $84 $836 $70
Altima Hybrid 4-Dr Sedan $164 $308 $282 $16 $84 $854 $71
Altima 2.5 S 2-Dr Coupe $164 $308 $318 $18 $96 $904 $75
Altima 3.5 SR 4-Dr Sedan $164 $308 $282 $16 $84 $854 $71
Altima 3.5 SR 2-Dr Coupe $164 $354 $318 $18 $96 $950 $79
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Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Premium costs do not factor in vehicle garaging location which can alter coverage rates greatly.

Figuring out which company has the cheapest car insurance rates for a Nissan Altima may require a little more effort in order to find a policy that fits your budget.

Each auto insurance company uses their own formula to set their prices, so let's take a look at the car insurance companies with the overall best prices in Mesa, AZ. It's important to understand that Arizona car insurance rates are determined by lots of factors that control the price you have to pay. Turning one year older, marrying your spouse, or getting a driving violation can trigger rate changes that can make some companies cheaper than others.

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Cheapest Arizona car insurance ranked by price
Rank Company Cost Per Year
1 The Hartford $820
2 Auto-Owners $915
3 Safeco $923
4 Travelers $1,075
5 USAA $1,080
6 GEICO $1,131
7 Progressive $1,152
8 Ameriprise Group $1,184
9 Allied $1,209
10 CSAA $1,213
11 Farm Bureau Mutual $1,259
12 Unitrin $1,317
13 Safe Auto $1,323
14 State Farm $1,337
15 Farmers $1,378
16 Amica $1,429
17 Titan $1,433
18 American Family $1,478
19 MetLife $1,521
20 California Casualty $1,552
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The Hartford may offer some of the best car insurance rates in Mesa at around $820 annually. Auto-Owners, Safeco, Travelers, and USAA would also make the list of some of the most economical Mesa, AZ car insurance companies.

As shown in the rates above, if you are currently insured with Auto-Owners and switched to The Hartford, you might achieve yearly savings of about $95. Customers with Safeco may save as much as $103 a year, and Travelers policyholders might see rate reductions of $255 a year.

Bear in mind that those policy prices are averaged for all drivers and vehicles in Arizona and do not take into consideration an exact zip code location for a Nissan Altima. So the company that can offer you the lowest price may not even be in the top 28 companies shown above. That affirms the importance of why you need to compare rates from multiple companies using your own driver information and specific vehicle type.

How careless driving impacts Mesa car insurance rates

One of the best ways to get the cheapest car insurance prices in Arizona for an Altima is to be a careful driver and avoid accidents and keep your driving record clean. The example below demonstrates how traffic citations and accidents drive up insurance rates for each age group. The premiums are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.

The data in the chart shows the average cost of an auto insurance policy in Arizona per year with a clean driving record and no accidents is $1,366. Get one speeding ticket and the average cost hikes up to $1,592, an increase of $226 each year. Now include two accidents along with the one speeding ticket and the yearly cost of car insurance for a Nissan Altima jumps again to an average of $3,592. That's an increase of $2,226, or $185 per month, just for not driving responsibly!

The example below demonstrates how choosing different deductibles can influence insurance costs when researching cheap insurance for a Nissan Altima. The premiums are based on a married female driver, full physical damage coverage, and no other discounts are factored in.

A 40-year-old driver could pocket $276 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $416 by selecting a $1,000 deductible. Even younger drivers, like the 20-year-old category, could potentially save up to $684 each year by choosing larger deductibles on their policy. If you do raise deductibles, it will be necessary to have enough savings set aside to allow you to pay the extra out-of-pocket expense that comes with higher deductibles.

How to find economical insurance for a Nissan Altima

The list below shows many thrifty ideas that can help Mesa drivers get cheap coverage.

That last idea is highly critical, as we stressed in the prior information. Insurance rates can be modified anytime, so don't hesitate to buy from a different company if a more affordable rate is found. Having a favorite company is great, but it's not a great idea if that stubbornness costs you big bucks every year. In just a couple of minutes you could compare rates to find cheaper insurance for a Nissan Altima in Mesa.

The agencies below can most likely aid you in deciding which coverages you need, as many people would rather have some advice when buying car insurance for an Altima. It can be hard to find the best coverage yourself, so insurance agents can give you comfort knowing your policy gives you adequate protection in the event of a claim. To find an agent in your neighborhood, click the button following the list.

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