Buying cheap car insurance for a Nissan Altima in Wisconsin doesn't take a ton of time, but it is dependent upon a lot of different factors such as your marital status, your geographic location, and whether or not you are a good driver. Wisconsin drivers will pay on average $825 annually for Altima insurance, but that figure is an estimate based upon a 30-year-old married male driver with full physical damage coverage and $100 deductibles.
There's a good chance you're not a 30-year-old male, maybe you are single instead of married, and you want different coverage limits than the example. Even a minor difference in policy rating criteria or coverages can result in a large change in policy price.
Each driver's needs are different, and that demonstrates why the only real way to find the cheapest coverage for your Nissan is to just take the time to compare rates yourself. Get your free quotes now and you will receive prices from some of the most affordable companies around.
Vehicle trim level will have an impact price, so the rate you pay to insure a Altima 2.5 4-Dr Sedan will be $194 lower than the insurance cost for the more expensive Altima 3.5 SR 2-Dr Coupe version, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Altima 2.5 4-Dr Sedan||$198||$358||$230||$14||$68||$868||$72|
|Altima 2.5 S 4-Dr Sedan||$198||$422||$230||$14||$68||$932||$78|
|Altima Hybrid 4-Dr Sedan||$224||$422||$230||$14||$68||$958||$80|
|Altima 2.5 S 2-Dr Coupe||$224||$422||$260||$16||$78||$1,000||$83|
|Altima 3.5 SR 4-Dr Sedan||$224||$422||$230||$14||$68||$958||$80|
|Altima 3.5 SR 2-Dr Coupe||$224||$484||$260||$16||$78||$1,062||$89|
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Rates do not factor in the specific area where the vehicle is garaged which can revise price quotes greatly.
Deciphering which companies quote the best insurance rates for a Nissan Altima calls for a tad more effort than just comparing a company or two.
Each auto insurance company used slightly different criteria to determine rates, so we'll take a look at the most competitive insurance companies in Milwaukee.
Best Insurance Companies for Your Altima
|Rank||Company||Cost Per Year|
|7||Rural Mutual Insurance||$779|
|12||West Bend Mutual||$926|
|13||Auto Club Group||$948|
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USAA normally has some of the best car insurance rates in Milwaukee at around $604 each year. This is $557 less than the average rate paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Rockford Mutual, and Nationwide are also some of the best Milwaukee, WI insurance companies.
In the rate table above, if you are currently insured with Nationwide and switched to Partners Mutual, you might realize savings of upwards of $138. Policyholders with Pekin Insurance could save as much as $161 a year, and Rural Mutual Insurance customers might lower prices by up to $165 a year.
If you would like to find cheaper car insurance rates, click here to get quotes or feel free to get quotes from the companies below.
These policy prices are averaged across all types of insureds and vehicles and do not factor in an exact vehicle garaging location for a Nissan Altima. So the insurer that fits your age and vehicle best may not even be in the top 30 companies shown above. That point stresses why you need to quote rates from as many companies as possible using your own driver information and specific vehicle type.
Get discounts on Milwaukee auto insurance
Insurers that offer coverage for a Nissan Altima may additionally offer policy discounts that could lower prices by as much as 35% if you are eligible to receive them. A list of companies and a summarized list of policyholder discounts are outlined below.
- State Farm has savings for defensive driving training, passive restraint, Steer Clear safe driver discount, good driver, accident-free, good student, and student away at school.
- GEICO includes discounts for defensive driver, good student, emergency military deployment, anti-lock brakes, anti-theft, membership and employees, and air bags.
- Progressive has discounts for homeowner, online quote discount, online signing, good student, multi-policy, continuous coverage, and multi-vehicle.
- 21st Century may include discounts for teen driver, student driver, air bags, homeowners, anti-lock brakes, and early bird.
- American Family offers discounts for good student, multi-vehicle, Steer into Savings, defensive driver, air bags, and bundled insurance.
- The Hartford offers premium reductions for air bag, driver training, defensive driver, good student, anti-theft, and bundle.
- AAA offers discounts including education and occupation, pay-in-full, multi-car, good student, anti-theft, good driver, and AAA membership discount.
The chart below compares auto insurance costs with and without discounts applied to the premium. The data is based on a male driver, no claims or violations, Wisconsin state minimum liability limits, full coverage, and $100 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with vehicle safety, multiple vehicle, safe-driver, claim-free, homeowner, and defensive driving course discounts applied. When taking advantage of discounts, the average amount saved each year on insurance for a Nissan Altima is 27% or $432.
Here's why you should compare rates often
Milwaukee insurance rates are impacted by many things that may substantially change the price of your policy. Simply having a birthday, buying a home, or getting a few speeding tickets can trigger changes in premium that can cause some rates to be more affordable than the competition.
In addition, insurers amend premium rates every year to adjust for heavy claims or excess profits. A period of increased losses can result in increased policy costs, while lower claim expenses can result in cheaper Altima insurance rates.
As an example, the bar chart below shows the cheapest car insurance in Milwaukee, WI for a 40-year-old male driver with no accidents or violations, and a good credit history. If we estimate rates based on his personal profile, USAA may have the cheapest car insurance rates in Milwaukee at $874 a year. This is $287 less than the average rate paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Rockford Mutual, and Nationwide are the remainder of the cheapest Milwaukee, WI auto insurance companies.
Now let's give the driver from above a claim, bad credit, and a couple of points charged on his driving record. Due to the fact that each insurance company has a proprietary method for establishing rates, comparing rates most likely will result in a new list of companies as shown below.
Pekin Insurance now has the cheapest rate in Milwaukee with Integrity Mutual, Western National, Travelers, and West Bend Mutual completing the list. This shows why it is so important to spend some time comparing rates to find the cheapest auto insurance quotes for a Nissan Altima. Insurance rates consist of many things and change substantially, so the cheapest company when you bought your policy may now cost much more than other companies.
How to find budget-friendly car insurance for a Nissan Altima
It's not impossible to find cheaper rates, and here are some of the better money-saving solutions that can help Wisconsin drivers buy more affordable coverage.
- Pay lower rates with good credit
- Save money by bundling your home and auto policies
- Safer vehicles cost less to insure
- Having at-fault accidents will increase rates
- Save money by insuring older vehicles for liability only
- Compare rates regularly and switch companies to save money
That last idea is very significant, as was discussed in this write-up. Coverage rates can change considerably in a year, so don't be tentative to buy from a different company if a lower-cost policy is available.
We understand brand loyalty, but it's not a great idea if that inflexibility results in costing you several hundred dollars every year. Take a few minutes and compare rates and find cheaper insurance for a Nissan Altima in Milwaukee.