Who Has Cheap Auto Insurance Rates for a Nissan Altima in Scottsdale?

Finding affordable car insurance for a Nissan Altima hinges on a whole bunch of rating criteria such as how old the vehicle is, the likelihood of vehicle theft, and the deductible amount you use. Arizona drivers pay on average $739 per year to insure their Altima, but that figure is using a 40-year-old married female driver with full coverage and $1,000 deductibles.

Most likely you are not 40 years old and maybe not even female, maybe you are single instead of married, or maybe you want more liability coverage than is required by law in Arizona. Having the smallest difference in rating variables could end up with a large change in the cost of insurance.

This example demonstrates why the best method for finding the cheapest rates for your Nissan is to just compare rates yourself. In just a few minutes you will receive rate quotes from some of the cheapest companies that offer coverage in Arizona.

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The specific trim level impacts the insurance rate, so the rate you will pay to insure a Altima 2.5 4-Dr Sedan trim level will be $158 lower than the price to insure the higher-end Altima 3.5 SR 2-Dr Coupe model, as shown below.

Nissan Altima Insurance Rates in Scottsdale, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $124 $240 $314 $18 $94 $790 $66
Altima 2.5 S 4-Dr Sedan $124 $284 $314 $18 $94 $834 $70
Altima Hybrid 4-Dr Sedan $138 $284 $314 $18 $94 $848 $71
Altima 2.5 S 2-Dr Coupe $138 $284 $356 $22 $106 $906 $76
Altima 3.5 SR 4-Dr Sedan $138 $284 $314 $18 $94 $848 $71
Altima 3.5 SR 2-Dr Coupe $138 $326 $356 $22 $106 $948 $79
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Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Information does not factor in zip code location which can decrease or increase premium rates substantially.

Finding out which insurers offer the lowest-priced insurance rates for a Nissan Altima will involve a bit more effort than just comparing a company or two. Each company has a different process for setting prices, so let’s take a look at the overall cheapest insurance companies in Scottsdale, AZ.

Best Car Insurance Prices for Your Altima

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Cheapest Arizona auto insurance companies
Rank Company Cost Per Year
1 The Hartford $836
2 Auto-Owners $888
3 Safeco $932
4 Travelers $1,086
5 USAA $1,091
6 Progressive $1,130
7 GEICO $1,142
8 CSAA $1,189
9 Ameriprise Group $1,208
10 Allied $1,209
11 Farm Bureau Mutual $1,297
12 Safe Auto $1,323
13 State Farm $1,337
14 Unitrin $1,343
15 Farmers $1,350
16 Titan $1,418
17 American Family $1,420
18 Amica $1,429
19 California Casualty $1,552
20 MetLife $1,567
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The Hartford normally has some of the cheapest car insurance rates in Scottsdale at around $836 a year. Auto-Owners, Safeco, Travelers, and USAA also are some of the best Scottsdale, AZ auto insurance companies.

As shown in the table above, if you are a policyholder with Auto-Owners and switched to The Hartford, you could earn savings of approximately $52. Arizona drivers with Safeco may save as much as $96 a year, and Travelers customers might realize rate reductions of up to $250 a year.

Bear in mind that those premiums are averaged across all insureds and vehicles and do not take into consideration a specific location for a Nissan Altima. So the car insurance company that fits you best may not even be in the top 28 companies in the list above. That emphasizes why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.

The example below illustrates how choosing a deductible can change insurance premiums when getting quotes for cheap insurance for a Nissan Altima. The premium 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 $358 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $536 by selecting a $1,000 deductible. Younger drivers, like the 20-year-old example, could drop their prices $1,086 every year by choosing a larger deductible amount. If you make the decision to raise deductibles, it is necessary to have enough spare savings to be able to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Why are you paying too much to insure your Altima?

Scottsdale insurance rates are impacted by many factors that can increase the price you have to pay. Getting older, buying a new vehicle, or getting a driving violation can produce rate changes that can make some companies cheaper than before. Not only that, but car insurance companies file new Arizona auto insurance rates without warning to help ensure profitability. An extended period of higher than normal claims can result in high rates, while better underwriting can cause cheaper Altima insurance rates.

To help illustrate this point, the data below shows a variety of companies that have the cheapest car insurance in Scottsdale, AZ for a 40-year-old female driver with no prior claims, no tickets, and good credit. When comparing rates based on her personal risk profile, The Hartford may have the cheapest car insurance rates in Scottsdale at $1,118 each year. This is $310 less than the average rate paid by Arizona drivers of $1,428. Safeco, Auto-Owners, USAA, and Travelers are the rest of the top five cheapest Scottsdale, AZ auto insurance companies.

Now we will give the driver from above an accident claim, a lower credit rating, and a few traffic violations. Since every car insurance company has a unique formula to set their prices, analyzing rate quotes may result in a substantially altered list of companies as shown below.

GEICO now has the lowest price in Scottsdale with CSAA, Ameriprise Group, Allied, and Farm Bureau Mutual also having competitive pricing. This demonstrates why it is important to perform an extensive rate comparison to find the most economical car insurance quotes for a Nissan Altima.

Insurance prices are made up of many different factors and can change without notice, so the lowest-price company when you last compared rates may now be quite expensive.

If you prefer to have a consultation when shopping for the best coverage for a Nissan Altima, the insurance agencies below can probably answer your questions and help you decide which car insurance company is the best fit.

To find an auto insurance agency nearest to you, click the button at the bottom of the list or click here to compare price quotes now.

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