Buying affordable auto insurance for a Nissan Altima in California is pretty straightforward, but it hinges on a lot of rating factors such as how old the vehicle is, the size of your vehicle, and driving citations. Drivers pay approximately $1,475 annually for Altima insurance, but that price is a valuation based upon a 40-year-old single female driver with full physical damage coverage and $500 deductibles.
Odds are that you’re not a 40-year-old female, possibly married instead of single, or maybe you have a speeding ticket that needs to be factored in. This demonstrates why the only real way to find affordable rates for your Nissan is to compare as many rates as possible. Get a free quote now and you will receive price comparisons from some of the best insurers around.
Your vehicle’s trim level will most likely have an effect on the cost of insurance, so the price you will be charged to insure a Altima 2.5 4-Dr Sedan trim level will be $324 lower than the cost to insure the more well-appointed 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 | $266 | $524 | $574 | $34 | $172 | $1,570 | $131 |
| Altima 2.5 S 4-Dr Sedan | $266 | $618 | $574 | $34 | $172 | $1,664 | $139 |
| Altima Hybrid 4-Dr Sedan | $300 | $618 | $574 | $34 | $172 | $1,698 | $142 |
| Altima 2.5 S 2-Dr Coupe | $300 | $618 | $650 | $38 | $194 | $1,800 | $150 |
| Altima 3.5 SR 4-Dr Sedan | $300 | $618 | $574 | $34 | $172 | $1,698 | $142 |
| Altima 3.5 SR 2-Dr Coupe | $300 | $712 | $650 | $38 | $194 | $1,894 | $158 |
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Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Information does not factor in specific zip code location which can revise price quotes considerably.
Buying coverage from the best insurer can be challenging considering how many companies there are in Stockton. The ranking data below may help you choose which auto insurance companies to look at when comparing rate quotes.
The rankings below include companies with a national presence, so companies that may only write in California are not included in the list. To compare prices from these and other top-rated companies, click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
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Data Source: Insure.com Best Car Insurance Companies
Rate increases following a ticket or accident
The easiest way to maintain the cheapest insurance prices in California for an Altima is to be a cautious driver and avoid accidents and violations. The diagram below highlights how speeding tickets and at-fault fender-benders can impact insurance prices for different age groups of insureds. The premium estimates are based on a single male driver, full coverage, $500 deductibles, and no discounts are applied.
The chart shows that the average cost of auto insurance per year with a clean driving record and no accidents is $2,458. Factor in two speeding tickets and the average cost jumps to $3,251, an increase of $792 each year. Then throw in two accidents along with the two speeding tickets and the yearly cost of insurance for a Nissan Altima jumps again to an average of $6,340. That’s an increase of $3,881, or $323 per month, just for being a less-than-perfect driver!
Why it’s important to shop around
California insurance rates are influenced by many factors that can increase the cost of coverage. Improving your credit score, buying a new vehicle, or getting a ticket for running a stop sign can cause premium changes resulting in some companies being affordable when they were higher priced. In addition to those changes, companies modify rates as often as every three months to reflect underwriting profits or losses. A period of increased losses may cause increased policy costs, while less frequent claims can cause lower-cost Altima insurance rates.
To illustrate this example, the chart below shows which company has the cheapest car insurance in Stockton, CA for a 30-year-old female driver with no accidents or violations, and great credit. If we compare prices based on her current situation, USAA offers the lowest car insurance rates in Stockton at $1,370 a year. This is $281 less than the average policy premium paid by California drivers of $1,651. Century National, CSAA, Wawanesa, and Nationwide also make the list of the cheapest Stockton, CA auto insurance companies.
In this example, we will give the driver from the first example a claim or two, slightly worse credit, and a speeding citation. Since each auto insurer uses their own formula for filing rates in each state, comparing quotes may now show a substantially altered list of the cheapest companies as shown below.
Grange now has the cheapest car insurance in Stockton with Progressive, Mercury, Allied, and Allstate now rounding out the top five. This example illustrates why it is important to compare rates when trying to get the lowest auto insurance quotes for a Nissan Altima.
Auto insurance prices can be altered by many things and change frequently, so the best option the last time you checked may now be priced much higher than other options.
The Stockton, CA, insurance agents below can help you determine which coverages are best, since lots of drivers aren’t clear which coverage they need and would like to have a consultation when shopping for the best coverage for a Nissan Altima. It can be challenging to find the best coverage yourself, so a professional agent can give peace of mind knowing you have enough coverage when you need it.
To find an auto insurance agency by location nearest to you, click the link after the list or click here to compare rates now.
Farmers Insurance: W. Faye Giovenetti
1833 W March Ln #2 – Stockton, CA 95207 – (209) 472-7704
Nationwide Insurance: Larry Benson Insurance Agency Inc
4545 Georgetown Pl Ste A1 – Stockton, CA 95207 – (209) 337-0241
Allstate Insurance Agent: Richard Perry
7895 N Pershing Ave – Stockton, CA 95207 – (209) 477-9936
Stockton Insurance Services
1407 E Miner Ave – Stockton, CA 95205 – (209) 941-4444
Protection Providers Insurance Agency
304 W Harding Way – Stockton, CA 95204 – (209) 466-1072