Who Has the Cheapest Irvine Car Insurance Quotes for a Nissan Altima?

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Finding competitive auto insurance for a Nissan Altima in California is pretty easy to do, but it relies on a pretty complex algorithm that uses a lot of factors such as how old the Altima is, your claims history, and the level of deductible you choose. Drivers pay on average $1,450 each year to insure their Altima, but that price is an estimation calculated based on a 50-year-old single female driver with full comprehensive and collision coverage and $250 deductibles.

Most likely you aren't exactly 50 years old or even a female, maybe you are married instead of single, or maybe you need higher liability limits than the state minimum. Even a minor change in rating variables or coverage information can result in a massive change in how much insurance for a Nissan Altima costs.

This shows why the only real way to find affordable rates for your Nissan is to compare as many rates as you can.

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The specific trim level tends to impact the cost of insurance, so the rate you will pay to insure a Altima 2.5 4-Dr Sedan model will be $324 lower than the insurance cost for the more well-appointed Altima 3.5 SR 2-Dr Coupe trim level, as shown by the rates below.

Nissan Altima Insurance Rates in Irvine, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $294 $564 $500 $30 $150 $1,538 $128
Altima 2.5 S 4-Dr Sedan $294 $664 $500 $30 $150 $1,638 $137
Altima Hybrid 4-Dr Sedan $332 $664 $500 $30 $150 $1,676 $140
Altima 2.5 S 2-Dr Coupe $332 $664 $564 $34 $168 $1,762 $147
Altima 3.5 SR 4-Dr Sedan $332 $664 $500 $30 $150 $1,676 $140
Altima 3.5 SR 2-Dr Coupe $332 $764 $564 $34 $168 $1,862 $155
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Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can alter premium rates significantly.

Figuring out which company has the cheapest insurance rates for a Nissan Altima requires a bit more work in order to find coverage that fits your budget. Each insurance company used slightly different criteria for filing rates in each state, so we will examine the insurance companies that tend to be cheaper in Irvine.

It's a good idea to know that California insurance rates are based on many factors which can substantially change the price of your policy. Simply getting older, getting divorced, or having an at-fault accident can trigger changes in premium that can cause some rates to be more affordable than competitors.

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Rankings for the cheapest California auto insurance companies
Rank Company Cost Per Year
1 USAA $1,121
2 Wawanesa $1,146
3 Century National $1,178
4 CSAA $1,234
5 Nationwide $1,263
6 21st Century $1,325
7 Grange $1,433
8 Progressive $1,496
9 Allstate $1,513
10 Mercury $1,548
11 GEICO $1,575
12 Allied $1,603
13 MetLife $1,606
14 The Hartford $1,623
15 State Farm $1,682
16 Unitrin $1,682
17 Esurance $1,688
18 Travelers $1,806
19 Bristol West $1,831
20 Farmers $1,966
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USAA may have some of the best car insurance rates in Irvine at around $1,121 each year. Wawanesa, Century National, CSAA, and Nationwide would also be considered some of the lowest-priced Irvine, CA insurance companies.

As shown in the table above, if you currently have a policy with Century National and switched to USAA, you may see an annual savings of in the vicinity of $57. Insureds with CSAA could save as much as $113 a year, and Nationwide insureds might lower prices by up to $142 a year.

Remember that these rates are averaged across all insureds and vehicles and are not factoring in an exact location for a Nissan Altima. So the insurer that fits your situation best may not even be in the top 24 companies shown above. That illustrates why you need to compare prices as often as possible using your own specific driver information and vehicle.

The information below illustrates how choosing a deductible can influence insurance rates when searching for cheap insurance for a Nissan Altima. The price estimates are based on a married male driver, full physical damage coverage, and no discounts are applied.

The chart above illustrates that a 30-year-old driver could pocket $476 a year by increasing from a $100 deductible up to a $500 deductible, or save $718 by switching to a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, could possibly save as much as $1,434 every year just by using higher deductibles. When raising deductibles, it's a good idea to have additional funds squirreled away to offset the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Why you should be comparing rates

Irvine, CA insurance rates are calculated based on many things that can increase the price of your policy. Simply turning a year older, moving to a new city, or getting a few speeding tickets may generate price changes that may make certain companies more affordable than the competition.

Not only may your situation change, but companies change their prices without warning in order to protect their financial rating. Heavy losses can cause rate increases, while lower claims may result in lower-cost Altima insurance rates.

The graph below analyzes the cheapest car insurance in Irvine, CA for a 30-year-old female driver with no accidents, a clean driving record, and solid credit. If we look at prices based on her personal risk profile, USAA might offer the most affordable car insurance rates in Irvine at $1,126 per year. This is $525 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA are also on the list of the cheapest Irvine, CA auto insurance companies.

Now let's give the driver in the first example an accident surcharge, a lower credit rating, and a stop sign violation. Since each company has their own formula for setting prices, analyzing rate quotes may now result in a substantially altered list of affordable Irvine car insurance companies as shown below.

Grange now has the best price in Irvine, CA with Mercury, GEICO, Allied, and Allstate now being in the top five. This example proves why it is crucial to shop around to find the best car insurance rates for a Nissan Altima. Car insurance prices are influenced by many things and can change substantially, so the lowest-price company two years ago may now be wasting a lot of money.

How to find economical auto insurance for a Nissan Altima

The list below shows some penny-pinching ideas that can help California drivers buy lower-cost coverage.

That last piece of advice is extraordinarily significant, as was stressed in the prior article. Auto insurance prices change constantly, so drivers shouldn't be resistant to buy a different policy if a lower price can be found. Having brand loyalty is commendable, but it isn't a good idea if that inflexibility results in costing you a considerable chunk of change every month. It takes less than five minutes to shop around to find cheaper auto insurance for a Nissan Altima in Irvine.

The Irvine auto insurance agencies shown below are willing to help you determine which coverage meets your needs best, as some people prefer to get some guidance when shopping for cheaper insurance for an Altima. It can be challenging to find the best policy on your own, and professional agents can add satisfaction knowing you have decent coverage if you have a claim.

To locate an agency nearest to you, click the button link following the list.

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