Finding affordable coverage for a Nissan Altima in North Carolina is pretty simple, but it hinges on a whole bunch of rating criteria such as whether you are single or married, your profession, and driving citations. Drivers in North Carolina pay around $894 annually to insure their Altima, but that is an approximation calculated based on a 30-year-old single female driver with full physical damage coverage and $500 deductibles.
It’s highly likely you’re not a 30-year-old female, you might be married instead of single, or maybe you have a teenager that needs to be on your policy. Have just a small change in rating factors or requested coverage amount can result in a massive change in the coverage rate.
This demonstrates why the only real way to find affordable rates for your Nissan is to do your own rate comparisons. Price quotes are quick and you will receive price comparisons from some of the most affordable companies in North Carolina.
The specific trim level will likely have an effect on the cost of coverage, so the rate you pay to insure a Altima 2.5 4-Dr Sedan trim level will be $196 less expensive the cost to insure the fancier Altima 3.5 SR 2-Dr Coupe model, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $174 | $322 | $336 | $20 | $100 | $952 | $79 |
| Altima 2.5 S 4-Dr Sedan | $174 | $378 | $336 | $20 | $100 | $1,008 | $84 |
| Altima Hybrid 4-Dr Sedan | $196 | $378 | $336 | $20 | $100 | $1,030 | $86 |
| Altima 2.5 S 2-Dr Coupe | $196 | $378 | $380 | $22 | $114 | $1,090 | $91 |
| Altima 3.5 SR 4-Dr Sedan | $196 | $378 | $336 | $20 | $100 | $1,030 | $86 |
| Altima 3.5 SR 2-Dr Coupe | $196 | $436 | $380 | $22 | $114 | $1,148 | $96 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Prices do not factor in garaging location in Charlotte which can raise or lower insurance rates significantly.
Ending up with the highest-rated auto insurance provider can be difficult considering how many different companies insure vehicles in Charlotte. The information shown below may help you analyze which coverage providers you want to consider when comparing insurance rates for a Nissan Altima. These rankings are only comprised of large nationwide companies, so companies that focus mainly on North Carolina business are not taken into consideration for these rankings.
Top 10 Large Car Insurance Companies Overall in Charlotte
- Travelers
- USAA
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
- American Family
Top 10 Large Car Insurance Companies in Charlotte Ranked by Value
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance
- Titan Insurance
Get discount Charlotte auto insurance
Insurance providers that offer quotes for a Nissan Altima may also offer premium discounts that could reduce prices by 30% or more if you are eligible. The best car insurance companies and some of the premium reductions they offer can be read below.
- 21st Century includes discounts for anti-lock brakes, teen driver, student driver, driver training, early bird, 55 and older, and automatic seat belts.
- State Farm has discounts for driver’s education, good student, good driver, anti-theft, safe vehicle, and Drive Safe & Save.
- AAA has savings for education and occupation, multi-policy, multi-car, pay-in-full, good driver, and good student.
- Liberty Mutual may have discounts that include newly married, newly retired, multi-car, new graduate, good student, and teen driver discount.
- Progressive may offer discounts for good student, online signing, homeowner, multi-vehicle, multi-policy, and continuous coverage.
The illustration below compares auto insurance costs with and without some available policy discounts. The data assumes a female driver, no accidents or driving violations, North Carolina state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with passive restraint, safe-driver, marriage, defensive driving course, homeowner, and anti-theft discounts applied. When these discounts are applied to the policy premium, theaverage yearly reduction on car insurance for a Nissan Altima is 28% or $442.
Reckless driving habits raise car insurance rates
In a perfect world, the best way to receive the most affordable car insurance prices in North Carolina for an Altima is to drive safe and avoid tickets and accidents. The information below shows how violations and at-fault accidents influence annual premium costs for each age group. The prices are based on a single male driver, full physical damage coverage, $250 deductibles, and no discounts are applied.
In the prior example, the average cost of car insurance in Charlotte per year with no accidents or violations is $1,557. Receive one speeding ticket and the average cost surges to $1,754, an increase of $197 each year. Next add two accidents along with the one speeding ticket and the annual cost of car insurance for a Nissan Altima jumps again to an average of $3,448. That’s an increase of $1,891, or $158 per month, just for not driving responsibly!
How to find more affordable auto insurance for a Nissan Altima
The list below summarizes some money-saving suggestions that can help Charlotte drivers find cheap coverage.
- Raise your deductibles
- Improve your credit rating
- Assess whether full coverage is needed
- Do not get traffic citations
- The safer your car, the less it costs to insure
- Remain accident-free and save
- Shop around for cheaper prices often
The final tip is particularly vital, as was noted in this write-up. Car insurance prices fluctuate constantly, so drivers shouldn’t hesitate to buy from a different company if a cheaper rate is available.
Loyalty to a specific company is fine, but is isn’t recommended if your bullheadedness ends up costing you major coinage every year. If you have a few minutes, shop around and find cheaper auto insurance for a Nissan Altima in Charlotte.
If you like to get some professional input when shopping around for cheaper insurance for a Nissan Altima, the insurance agencies listed below are a good start to help you decide which policy is best.
To find an auto insurance agency using an interactive map, click the button link following the list.
Nationwide Insurance: Michael Bare Agency
2300 Sardis Rd N a – Charlotte, NC 28227 – (704) 248-8000
Allstate Insurance: Michael Randolph
1001 W W.T. Harris Blvd m – Charlotte, NC 28213 – (704) 549-1710
Darrick Embry – State Farm Insurance Agent
8124 S Tryon St, Ste A3 – Charlotte, NC 28273 – (704) 583-8393