What Auto Insurance is Cheapest for a Nissan Altima in Henderson?

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Buying cheap coverage for a Nissan Altima in Nevada depends on a large number of factors such as miles driven annually, where your vehicle is garaged, and driving citations. Drivers in Nevada will pay on average $1,373 each year for Altima insurance, but that is an estimate using a 30-year-old single female driver with full physical damage coverage and $100 deductibles.

But there is a high likelihood that you may not be 30 years old (or even female), you might be married instead of single, or maybe your Altima is old enough that it doesn't require full coverage. This demonstrates why the only way to find cheap insurance rates for your Nissan is to do the rate comparisons yourself.

Find Cheaper Nissan Altima Insurance

The trim level of your Altima will most likely have an effect on price, so the cost to insure a Altima 2.5 4-Dr Sedan model will be $322 less expensive the cost to insure the higher-priced Altima 3.5 SR 2-Dr Coupe version, as shown below.

Nissan Altima Insurance Rates in Henderson, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $294 $590 $416 $24 $124 $1,448 $121
Altima 2.5 S 4-Dr Sedan $294 $694 $416 $24 $124 $1,552 $129
Altima Hybrid 4-Dr Sedan $332 $694 $416 $24 $124 $1,590 $133
Altima 2.5 S 2-Dr Coupe $332 $694 $470 $28 $140 $1,664 $139
Altima 3.5 SR 4-Dr Sedan $332 $694 $416 $24 $124 $1,590 $133
Altima 3.5 SR 2-Dr Coupe $332 $800 $470 $28 $140 $1,770 $148
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Table data does not factor in your specific Henderson location which can revise coverage prices significantly.

Establishing which company offers the best insurance rates for a Nissan Altima will require a little more work than just getting one or two price quotes. Each insurance company has their own formula for setting prices, so we'll take a look at the most affordable insurance companies in Nevada.

It's important to know that Henderson, NV insurance rates are based on many factors that may substantially change the cost of having a policy. Improving your credit score, buying a home instead of renting, or getting a ticket for running a stop sign can cause premium changes that may make certain companies more affordable than before.

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Cheapest insurance companies in Nevada
Rank Company Cost Per Year
1 Travelers $912
2 Allied $949
3 Capital $978
4 American Family $1,182
5 Oregon Mutual $1,182
6 Progressive $1,202
7 GEICO $1,232
8 USAA $1,297
9 Nationwide $1,321
10 Safeco $1,360
11 Farmers $1,438
12 MetLife $1,567
13 Country $1,602
14 State Farm $1,698
15 Mercury $1,825
16 Victoria $2,093
17 Liberty Mutual $2,249
18 Allstate $2,385
19 Bristol West $2,407
20 Encompass $2,684
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Travelers may have some of the cheapest car insurance rates in Henderson at around $912 annually. This is $662 less than the average rate paid by Nevada drivers of $1,574. Allied, Capital, American Family, and Oregon Mutual also qualify as some of the cheaper Henderson, NV insurance companies.

As shown in the rates above, if you buy coverage from Capital and switched to Travelers, you could see an annual premium reduction of upwards of $66. Policyholders with American Family could save as much as $270 a year, and Oregon Mutual customers might reduce rates by $270 a year.

Bear in mind that those estimates are averaged across all types of drivers and the different vehicles they drive and are not factoring in an exact vehicle garaging location for a Nissan Altima. So the company that is best for you may not even be in the top 20 companies in the list above. That is why you need to get quotes using your own driver data and vehicle information.

Full coverage rates vs. liability-only in Henderson

Reducing premiums for insurance should be important to most vehicle owners, and one way to find cheaper insurance for a Nissan Altima is to not buy full coverage. The chart below compares annual premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Nevada. The data assumes no claims or driving violations, $250 deductibles, single marital status, and no policy discounts are applied.

If we average the cost for ages 20 through 70, physical damage coverage costs an extra $2,203 per year more than just buying liability insurance. That may make you wonder if buying full coverage is worth the money. There is no definitive guideline of when to exclude comprehensive and collision coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is about 10% or more of replacement cost minus your deductible, then you may need to consider dropping full coverage.

There are some cases where only buying liability is not in your best interest. If you have an outstanding loan on your vehicle, you have to carry full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not buy liability only.

The importance of comparing Altima insurance rates

Henderson insurance rates are impacted by many things which can significantly increase or decrease the price of your policy. Improving your credit rating, marrying your spouse, or having an at-fault accident can trigger changes in premium resulting in some rates now being cheaper than competitors. Also, insurers amend pricing every year as an adjustment for underwriting gains or losses. Higher than normal claim frequency or severity can result in higher rates, while profitable underwriting may result in lower-priced Altima insurance rates.

The chart below shows the companies that have the cheapest car insurance in Henderson, NV for a 40-year-old female driver with no violations or accidents, and a high credit rating. When quoting prices based on her current situation, Travelers offers the most affordable car insurance rates in Henderson at $1,447 each year. This is $127 less than the average policy premium paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and Progressive are also included in the cheapest Henderson, NV auto insurance companies.

The next chart shows rates after we give the driver from the first rate comparison a claim, poor credit, and an imperfect driving record. Due to the fact that each insurance company uses their own method for determining rates in each state, getting updated rate quotes could result in a different ranking of cheap Henderson auto insurance companies as shown below.

GEICO now has the best price on car insurance in Henderson with USAA, Allied, Nationwide, and Safeco also being competitive. This illustrates why it is crucial to shop around with many companies to find cheap auto insurance rates for a Nissan Altima. Insurance prices are determined by many risk factors and change dramatically, so the cheapest option six months ago may now be one of the more expensive options.

If you prefer to get some guidance when trying to find the best insurance rates for an Altima, the insurance agencies below can most likely provide answers to your questions and help you determine which coverages and limits you need. To find a Henderson insurance agent near you, click the button at the bottom of the list.

Tommy Brooks - State Farm Insurance Agent
8955 S Pecos Rd #1b - Henderson, NV 89074 - (702) 750-9990

Shelter Insurance - Joe Burnett
2759 Sunridge Heights Pkwy - Henderson, NV 89052 - (702) 269-5458

Henry Crockett II - State Farm Insurance Agent
2986 St Rose Pkwy #150 - Henderson, NV 89052 - (702) 489-9999

Randy Wilcox - State Farm Insurance Agent
11115 S Eastern Ave #130 - Henderson, NV 89052 - (702) 617-9111

American National Insurance Morgan Agency LLC, Jarod Morgan
1120 Wigwam Pkwy #100 - Henderson, NV 89052 - (702) 430-7764

View more Henderson, NV insurance agencies