Finding affordable car insurance for a Nissan Altima is dependent upon a lot of things such as whether you are single or married, your profession, and citations or violations on your driving record. Drivers pay approximately $1,406 a year for Altima insurance, but that cost is a valuation based upon a 40-year-old single female driver with both comprehensive and collision coverage and $100 deductibles.
It's highly likely you are not 40 and maybe not even a female, possibly married instead of single, or maybe you have a teen driver on your policy that needs to be considered. Car insurance coverage is unique to each driver, so this is why the best method for finding cheap insurance rates for your Nissan is to put in the effort to do a thorough rate comparison. Compare rate quotes now and you can get rates from some of the best insurers in South Carolina.
The trim level of your Nissan will have an impact the cost of coverage, so the rate you will pay to insure a Altima 2.5 4-Dr Sedan will be $328 less than the insurance cost for the more costly Altima 3.5 SR 2-Dr Coupe model, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Altima 2.5 4-Dr Sedan||$282||$600||$444||$26||$132||$1,484||$124|
|Altima 2.5 S 4-Dr Sedan||$282||$706||$444||$26||$132||$1,590||$133|
|Altima Hybrid 4-Dr Sedan||$318||$706||$444||$26||$132||$1,626||$136|
|Altima 2.5 S 2-Dr Coupe||$318||$706||$502||$30||$150||$1,706||$142|
|Altima 3.5 SR 4-Dr Sedan||$318||$706||$444||$26||$132||$1,626||$136|
|Altima 3.5 SR 2-Dr Coupe||$318||$812||$502||$30||$150||$1,812||$151|
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Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and South Carolina minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Information does not factor in South Carolina location which can alter rates noticeably.
Deciding which insurers offer the cheapest insurance rates for a Nissan Altima in South Carolina takes a tad more effort than just picking a company at random.
Each insurer has their own guidelines for establishing rates, so let's take a look at the insurance companies with the most affordable rates in South Carolina. It's important that you understand South Carolina insurance rates are impacted by many things which can substantially decrease or increase the price of coverage. Improving your credit rating, buying a new vehicle, or getting a DUI may generate price changes that can now make some companies cheaper than competitors.
Find Cheaper Auto Insurance for Your Altima
The Hartford has some of the lowest car insurance rates in South Carolina at around $775 annually. USAA, State Auto, Auto-Owners, and Southern Farm Bureau also are some of the most economical South Carolina auto insurance companies.
In the rate table above, if you are insured with Auto-Owners and switched to USAA, you may see an annual savings of about $138. Customers with Southern Farm Bureau might save as much as $233 a year, and SC Farm Bureau Mutual policyholders might lower prices by up to $283 a year.
To find cheaper insurance rates for your vehicle, click here to begin a quote or click through to the companies below.
It's important to note that these prices are averages for all drivers and vehicles in South Carolina and do not factor in a specific rate value for a Nissan Altima. So the company that fits your age and vehicle best may not even be in the top 18 companies in the list above. That emphasizes why you need to get rate quotes from many companies using your own specific driver information and vehicle.
Rate increases following a ticket or accident
The recommended way to snag the most affordable insurance rates in South Carolina for an Altima is to be an attentive driver and not receive tickets or have accidents. The illustration below shows how violations and at-fault accidents raise auto insurance costs for different age groups of insureds. The rates are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.
The data above shows the average cost of car insurance in South Carolina per year with a clean driving record and no accidents is $1,390. Get two speeding tickets and the average cost rises to $1,969, an increase of $578 each year. Now add in two accidents along with the two speeding tickets and the yearly cost of insurance for a Nissan Altima in South Carolina increases to an average of $4,298. That's an increase of $2,907, or $242 per month, just for being a less-than-perfect driver!
A good deal can quickly turn bad
South Carolina insurance rates are influenced by many factors that can increase the cost of a policy. Simply getting older, getting divorced, or getting a reckless driving citation may generate price changes that can cause some rates to be cheaper than competitors.
Not only may things change on your end, but insurance companies modify pricing as often as every quarter in order to protect their financial rating. An unexpected high level of claims can cause increased policy costs, while long-term profits may result in cheaper Altima insurance rates.
As an example, the chart below compares the cheapest car insurance in South Carolina for a 40-year-old female driver with no accidents, a clean driving record, and a good credit rating. If we estimate prices based on her personal profile, The Hartford offers the best car insurance rates in South Carolina at $752 each year. This is $857 less than the average rate paid by South Carolina drivers of $1,609. USAA, State Auto, Auto-Owners, and Southern Farm Bureau are the rest of the cheapest South Carolina auto insurance companies.
Let's now give the driver from the above example an accident claim, a lower credit score, and a few blemishes on her driving record. Since each insurance company uses their own formula to determine rates, analyzing rate quotes could now result in a substantially altered list of the cheapest car insurance companies in South Carolina as shown below.
National Grange Mutual now has the cheapest auto insurance in South Carolina with State Farm, Travelers, USAA, and State Auto completing the list. This example illustrates why South Carolina drivers need to compare lots of rates when trying to find the most budget-friendly insurance rates for a Nissan Altima.
Insurance rates are made up of many factors and can decrease or increase without notice, so the most affordable company six months ago may now be an over-priced policy.