How Much is Insurance for a Nissan Altima in Florida?

Our staff writers always rib each other than when writing about auto insurance, the words “cheap” or “affordable” should not appear anywhere in the article as a descriptor for auto insurance rates. Excuse the oxymoron, but cheap auto insurance for a Nissan Altima can be difficult to find. Don’t let that ruin your day, because we will teach you how you can still get auto insurance that is more affordable.

Whether or not you can find the best cheap car insurance for a Nissan Altima in Florida hinges on a lot of rating factors like whether you are married or single, the condition of your credit, and violations on your driving record. Florida drivers pay on average $1,400 each year to buy Nissan Altima insurance, but that figure is that uses a 50-year-old single male that has full comprehensive and collision coverage and $250 deductibles.

It’s highly likely that you’re not a 50-year-old male, you might be married instead of single, or maybe your driving record has a blemish or two. Even a very minor difference in quote information can result in a massive change in the cost of insuring your Altima.

This illustrates why your best shot at finding cheap insurance rates for your Nissan is to make a habit of comparing prices at least once a year. Get a free quote now and you will be able to see rates from some of the cheapest companies that insure Nissan vehicles in Florida.

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The specific model of Altima can impact the cost of insurance, so the price you will pay to insure a Altima 2.5 4-Dr Sedan model will be $314 less than the insurance cost for the more well-appointed Altima 3.5 SR 2-Dr Coupe trim level, as shown in the prices below.

Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Rates do not factor in your specific Florida location which can decrease or increase price quotes considerably.

Buying coverage from a high-quality company can be challenging considering how many companies provide coverage in Florida. The rank data displayed below may help you decide which coverage providers to look at purchasing from. These ratings are only made up of the companies with a significant amount of written premium nationwide, so smaller regional companies are not included in these rankings.

Top 10 Large Car Insurance Companies Overall in Florida

1. Travelers
2. USAA
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Allstate
7. State Farm
8. The Hartford
9. Safeco Insurance
10. Progressive

Top Companies for Nissan Altima Insurance in Florida

The diagram below demonstrates how deductible levels can raise or lower annual premium costs when searching for cheap insurance for a Nissan Altima. The premium estimates are based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

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The chart above illustrates that a 30-year-old driver could reduce rates by $394 a year by changing from a $100 deductible to a $500 deductible, or save $596 by using a $1,000 deductible. Young drivers, like the Age 20 chart data, could lower their rates $848 or even more just by using higher deductibles.

If you make the decision to raise deductibles, it will be important to have enough funds in savings to allow you to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Illustration showing the impact of accidents and violations

One of the best ways to maintain low auto insurance prices in Florida for an Altima is to drive carefully and avoid accidents and traffic citations. The example below demonstrates how traffic citations and fender-benders raise car insurance costs for each different age group. Data assumes a single female driver, full coverage, $1,000 deductibles, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 3105,3385,5979],[‘Age 30’, 2089,2369,4961],[‘Age 40’, 1953,2233,4829],[‘Age 50’, 1705,1985,4579],[‘Age 60’, 1653,1931,4525],[‘Age 70’, 1955,2237,4831]]);var options = {title: ‘Impact of Tickets and Claims on Florida Nissan Altima Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Altima in Florida’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The chart shows that the average cost of car insurance in Florida per year with no violations or accidents is $2,077. Add in one speeding ticket and the average cost swells to $2,357, an increase of $280 each year. Now include two accidents along with the one speeding ticket and the 12-month cost of auto insurance for a Nissan Altima goes up to an average of $4,951. That’s an increase of $2,874, or $240 per month, just for not driving attentively!

Cheapest car insurance: Allstate, Geico, Progressive, or State Farm

When comparing auto insurance, the first places to look would be Allstate, Geico, Progressive, and State Farm. Between them, they insure over 48% of all auto insurance policies in force. The table below ranks pricing and service ratings, plus some optional coverages that are available from each company.