What Car Insurance is Cheapest for a Nissan Altima in San Antonio?

See How Much You Could Save

Nissan Altima insurance rates
Nissan Altima insurance rates image courtesy of QuoteInspector.com

Buying the cheapest auto insurance for a Nissan Altima in Texas depends on lots of different factors such as your birth date, the likelihood of vehicle theft, and driving violations and tickets. Texas drivers will pay around $1,122 per year for Altima insurance, but that cost is an estimation calculated based on a 40-year-old single female driver with full physical damage coverage and $1,000 deductibles.

There's a high likelihood you're not a 40-year-old female, possibly married instead of single, or you just want cheap liability insurance instead of full coverage. Having even a minor difference in rating factors or requested coverage amount can result in a massive change in how much coverage for a Nissan Altima costs.

Everone's needs are different, and this illustrates why the only real way to find cheap insurance prices for your Nissan is to compare as many rates as possible. It only takes a couple of minutes and you will be able to compare rates from the best companies that insure vehicles in Texas.

Insure Your Nissan for Less

The specific trim level has an effect on the coverage cost, so the price you will pay to insure a Altima 2.5 4-Dr Sedan model will cost $238 less than the insurance cost for the more well-appointed Altima 3.5 SR 2-Dr Coupe trim level, as demonstrated by the prices below.

Nissan Altima Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $174 $352 $496 $30 $148 $1,200 $100
Altima 2.5 S 4-Dr Sedan $174 $416 $496 $30 $148 $1,264 $105
Altima Hybrid 4-Dr Sedan $198 $416 $496 $30 $148 $1,288 $107
Altima 2.5 S 2-Dr Coupe $198 $416 $560 $34 $168 $1,376 $115
Altima 3.5 SR 4-Dr Sedan $198 $416 $496 $30 $148 $1,288 $107
Altima 3.5 SR 2-Dr Coupe $198 $478 $560 $34 $168 $1,438 $120
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Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Rate information does not factor in specific location information which can influence coverage rates noticeably.

Deciphering which companies offer the best auto insurance rates for a Nissan Altima calls for a bit more effort in order to find the lowest price. Every auto insurer has a different process to establish rates, so we'll take a look at the lowest cost auto insurance companies in San Antonio, TX.

Cheapest Insurance Rates for Your Altima

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Cheapest insurance companies in Texas
Rank Company Cost Per Year
1 Travelers $1,010
2 USAA $1,084
3 Texas Farm Bureau $1,199
4 Germania Mutual $1,244
5 Esurance $1,379
6 California Casualty $1,438
7 Mercury $1,476
8 State Farm $1,495
9 Safe Auto $1,597
10 Nationwide $1,600
11 Allstate $1,650
12 Progressive $1,698
13 Amica $1,723
14 Home State $2,071
15 GEICO $2,093
16 MetLife $2,249
17 Unitrin $2,264
18 Encompass $2,301
19 21st Century $2,421
20 Titan $2,672
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Travelers quotes some of the best car insurance rates in San Antonio at around $1,010 a year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the cut as some of the best San Antonio, TX auto insurance companies.

As shown in the table above, if you are currently insured with USAA and switched to Travelers, you could realize a yearly price reduction of around $74. Texas drivers with Texas Farm Bureau may save as much as $189 a year, and Germania Mutual customers might lower prices by $234 a year.

To find cheaper insurance rates for your vehicle, click here to start your free quote or visit any of the companies below.

Remember that these estimates are averages across all insureds and vehicles and and are not figured with an exact zip code location for a Nissan Altima. So the insurer that fits your situation best may not even be in the list above. That's why you need to get quotes using your own driver information and specific vehicle type.

Price comparison of only insuring for liability

Finding cheaper auto insurance should be important to the majority of drivers, and one good way to pay less for insurance for a Nissan Altima is to buy liability only. The example below shows the difference between yearly insurance costs with full physical damage coverage compared to only buying liability only. The rate quotes are based on no claims or driving violations, $250 deductibles, single status, and no discounts are applied.

On average, comprehensive and collision coverage on your policy costs $2,882 per year more than buying just liability insurance. That brings up the question if paying for full coverage is a waste of money. There is no specific rule to drop full coverage on your policy, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than about 10% of the vehicle's replacement cost less your deductible, then it might be time to buy liability only.

The example below demonstrates how deductible levels can influence insurance premiums when quoting cheap insurance for a Nissan Altima. The data is based on a single female driver, comprehensive and collision coverage, and no discounts are factored in.

As shown above, a 40-year-old driver could lower rates by $362 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $546 by choosing a $1,000 deductible. Youthful drivers, such as the 20-year-old example, can cut up to $920 annually just by choosing higher deductibles when buying full coverage.

If you do decide to increase your deductibles, it is important to have enough funds in savings to be able to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Tips for buying cheaper car insurance for a Nissan Altima

The list below details some of the recommended money-saving suggestions that can help drivers get cheap coverage.

The last tip is extraordinarily important, as we noted in this article. Coverage rates can change in a short period of time, so drivers shouldn't hesitate to buy a policy from a new company if a more affordable price is available. Staying with the same company for years is fine, but it's not recommended if that dedication is costing potentially thousands of dollars a year. It takes less than five minutes to shop around and find cheaper car insurance for a Nissan Altima in San Antonio.

The San Antonio auto insurance agencies shown below can help you make a decision which policy is best, as some people have coverage questions and would like to have a little guidance when shopping for the best coverage for an Altima. It can be difficult to find the cheapest auto insurance company, and insurance agents licensed in the state of Texas can provide peace of mind knowing your coverage gives you decent coverage if you have a claim.

To locate a San Antonio insurance agent closest to you, click the button link following the list or click here to compare price quotes.

Chad Dawson - State Farm Insurance Agent
5890 De Zavala Rd Ste 105 - San Antonio, TX 78249 - (210) 615-7898

Deserae Navarro - State Farm Insurance Agent
5975 Bandera Rd - San Antonio, TX 78238 - (210) 647-7975

B J Kohutek Jr - State Farm Insurance Agent
7863 Callaghan Rd #105 - San Antonio, TX 78229 - (210) 616-0662

IBC Insurance Agency Ltd
5300 Walzem Rd - San Antonio, TX 78218 - (210) 646-9870

View map of San Antonio, TX insurance agents