Who Has the Cheapest Auto Insurance Rates for a Nissan Altima in Virginia Beach?

Finding cheap auto insurance for a Nissan Altima is pretty straightforward, but it relies on an enormous amount of rating factors such as how many miles you drive each year, the performance level of your vehicle, and your choice of deductibles. Drivers in Virginia pay around $883 annually to insure their Altima, but that price is an estimation using a 40-year-old married male driver with full comprehensive and collision coverage and $100 deductibles.

When making auto insurance estimates, the issue arises that you are not 40 years old and maybe not even male, you might be single instead of married, or maybe your Altima doesn’t need full coverage. This illustrates why the way we recommend to find cheap insurance prices for your Nissan is to just compare rates yourself.

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The trim level of your Altima will have an impact the cost of insurance, so the price you will pay to insure a Altima 2.5 4-Dr Sedan will be $204 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.

Nissan Altima Insurance Rates in Virginia Beach, VA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $202 $368 $266 $16 $80 $932 $78
Altima 2.5 S 4-Dr Sedan $202 $434 $266 $16 $80 $998 $83
Altima Hybrid 4-Dr Sedan $228 $434 $266 $16 $80 $1,024 $85
Altima 2.5 S 2-Dr Coupe $228 $434 $300 $18 $90 $1,070 $89
Altima 3.5 SR 4-Dr Sedan $228 $434 $266 $16 $80 $1,024 $85
Altima 3.5 SR 2-Dr Coupe $228 $500 $300 $18 $90 $1,136 $95
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Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Price estimates do not factor in garaging location in Virginia Beach which can change price quotes substantially.

Trying to find low-priced car insurance is not the easiest thing to do, and deciding which company has the cheapest car insurance rates for a Nissan Altima takes even more work. Every insurance company has a unique formula to determine premium rates, so let’s rank the car insurance companies with the overall cheapest rates in Virginia Beach, VA.

It’s important that readers know that Virginia Beach, VA car insurance rates are determined by lots of factors that will increase or decrease the price of coverage. Events like turning one year older, filing a claim, or getting a couple of tickets may prompt premium changes resulting in some rates now being more affordable than others.

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Cheapest Virginia auto insurance companies
Rank Company Cost Per Year
1 Travelers $653
2 USAA $709
3 Penn National $740
4 Cincinnati Insurance $763
5 The Hartford $777
6 Erie $780
7 Auto-Owners $781
8 Utica National $788
9 Virginia Farm Bureau $834
10 Donegal Mutual $878
11 Nationwide $963
12 Allied $982
13 ALFA $988
14 GEICO $996
15 National Grange Mutual $1,071
16 Chubb $1,134
17 State Farm $1,143
18 Electric $1,180
19 Amica $1,229
20 Progressive $1,246
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Travelers quotes some of the lowest car insurance rates in Virginia Beach at around $653 a year. USAA, Penn National, Cincinnati Insurance, and The Hartford are also some of the most economical Virginia Beach, VA auto insurance companies.

As illustrated above, if you buy coverage from Penn National and switched to Travelers, you could see an annual savings of approximately $87. Virginia drivers with Cincinnati Insurance could save as much as $110 a year, and The Hartford insureds might realize rate reductions of up to $124 a year.

Understand that those estimates are averages for all drivers and vehicles and are not factoring in a vehicle location for a Nissan Altima. So the auto insurance company that fits your needs best may not even be in the list above. That helps illustrate why you need to get quotes using your own individual information.

The information below demonstrates how deductible levels can raise or lower insurance prices when trying to find cheap insurance for a Nissan Altima. The costs are based on a single female driver, comp and collision included, and no other discounts are factored in.

The data above shows that a 40-year-old driver could pocket $316 a year by changing from a $100 deductible up to a $500 deductible, or save $476 by selecting a $1,000 deductible. Even younger drivers, such as the 20-year-old example, can cut up to $814 annually just by choosing higher deductibles when buying full coverage. If you do raise deductibles, it’s a good idea to have emergency funds available to allow you to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

Should you buy full coverage?

Saving money on car insurance is probably important to the majority of drivers, and a good way to lower the cost of insurance for a Nissan Altima is to not pay for full coverage. The diagram below illustrates the comparison of premium costs with and without full coverage. The premiums assume no tickets, no at-fault accidents, $250 deductibles, marital status is single, and no policy discounts are applied.

If averaged for all ages, comp and collision coverage costs $1,608 per year more than just buying liability only. At some point, almost every driver questions when is the right time to remove full coverage. There is no written rule for excluding physical damage coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

How to find economical car insurance for a Nissan Altima

Lowering your rates is not difficult, and here are some of the recommended penny-pinching suggestions that can help Virginia drivers find lower-cost car insurance.

That last idea is highly valuable, as we discussed in this write-up. Coverage rates in Virginia Beach can be modified anytime, so don’t be tentative to buy a policy from a new company if you can find a cheaper rate.

Being loyal to a particular company is commendable, but it’s not a good idea if that loyalty results in overpaying hundreds of dollars year after year. If you have a few minutes, now is a great time to compare prices to find cheaper insurance for a Nissan Altima.