Finding competitive insurance for a Nissan Altima in Washington depends on a complicated rating formula that uses factors such as how far you commute, your geographic location, and your driving record. Drivers in Washington pay approximately $984 each year for Altima insurance, but that cost is an estimate calculated using a 40-year-old single female driver with both comprehensive and collision coverage and $500 deductibles.
There is a good probability you are not 40 and maybe not even a female, maybe you are married instead of single, and you need different coverage limits than the sample rates. Insurance is an individual thing, so the only way to find the most affordable coverage for your Nissan is to compare as many rates as you can.
Vehicle trim level will likely have an effect on the cost of coverage, so the rate you will pay to insure a Altima 2.5 4-Dr Sedan model will be $216 cheaper than the insurance cost for the fancier Altima 3.5 SR 2-Dr Coupe trim level, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $178 | $350 | $384 | $22 | $114 | $1,048 | $87 |
| Altima 2.5 S 4-Dr Sedan | $178 | $412 | $384 | $22 | $114 | $1,110 | $93 |
| Altima Hybrid 4-Dr Sedan | $200 | $412 | $384 | $22 | $114 | $1,132 | $94 |
| Altima 2.5 S 2-Dr Coupe | $200 | $412 | $434 | $26 | $130 | $1,202 | $100 |
| Altima 3.5 SR 4-Dr Sedan | $200 | $412 | $384 | $22 | $114 | $1,132 | $94 |
| Altima 3.5 SR 2-Dr Coupe | $200 | $474 | $434 | $26 | $130 | $1,264 | $105 |
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Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Premium amounts do not factor in your specific Seattle location which can impact auto insurance rates noticeably.
Choosing a high-quality insurance provider can be rather challenging considering how many companies there are in Washington. The rank data shown next can help you select which providers to look at when buying insurance for a Nissan Altima. These ratings are only made up of companies that insure vehicles across America, so smaller companies will not be included in the list.
Top 10 Large Auto Insurance Providers Overall in Seattle
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Allstate
Top 10 Large Auto Insurance Providers in Seattle Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- Progressive
- GEICO
- Liberty Mutual
- Allstate
- Titan Insurance
- The Hartford
- The General
Discount Seattle insurance
Auto insurance companies that offer coverage for a Nissan Altima may also offer special discounts that may potentially lower prices by as much as 25% or more if you meet certain criteria. Companies and their offered discounts are included below.
- GEICO may offer discounts for emergency military deployment, defensive driver, air bags, multi-vehicle, five-year accident-free, daytime running lights, and multi-policy.
- MetLife offers discounts for multi-policy, good driver, good student, accident-free, defensive driver, and claim-free.
- Progressive has savings for good student, homeowner, multi-vehicle, multi-policy, and online quote discount.
- Travelers includes discounts for hybrid/electric vehicle, payment discounts, IntelliDrive, early quote, and good student.
- SAFECO may include discounts for anti-lock brakes, homeowner, teen safety rewards, drive less, bundle discounts, safe driver, and teen safe driver.
- AAA offers premium reductions for multi-car, AAA membership discount, good student, pay-in-full, multi-policy, anti-theft, and good driver.
The illustration below illustrates the difference between auto insurance costs with and without discounts applied to the rates. The data assumes a male driver, no violations or accidents, Washington state minimum liability limits, comp and collision included, and $1,000 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with safe-driver, passive restraint, accident-free, anti-theft, homeowner, and vehicle safety discounts applied. When these discounts are applied, the average savings per year on insurance for a Nissan Altima is 28% or $437.
Who has the cheapest Altima insurance?
Seattle, WA insurance rates are determined by lots of factors that control the cost of coverage. Simply having another birthday, becoming a homeowner, or getting a DUI can produce rate changes that can make some companies more affordable than competitors.
Not only may your situation change, but insurance companies change their prices without warning to adjust for heavy claims or excess profits. Significantly higher losses may cause rate increases, while lower claim expenses may produce cheaper Altima insurance rates.
To illustrate this example, the data below shows the cheapest car insurance in Seattle, WA for a 30-year-old female driver with no prior accidents, a clean driving record, and a good credit rating. When comparing rates based on her personal risk profile, Capital may offer the best car insurance rates in Seattle at $1,073 per year. This is $339 less than the average policy premium paid by Washington drivers of $1,412. Grange, Nationwide, PEMCO, and Travelers are the rest of the cheapest Seattle, WA auto insurance companies.
In this example, we will give the driver in the first chart an accident claim, slightly worse credit, and a blemish on her driving record. Due to the fact that each insurance company has a different formula for filing rates in each state, comparing insurance quotes most likely will result in a different ranking of companies as shown below.
Mutual Enumclaw now has the cheapest car insurance in Seattle with The Hartford, California Casualty, Chubb, and Allied now being in the top five. This example demonstrates why Seattle drivers need to compare many different companies when trying to find the best car insurance rates for a Nissan Altima.
Insurance prices consist of many things and can increase or decrease at any time, so the best company the last time you shopped your coverage around may now be one of the higher cost companies.