Finding cheap auto insurance for a Nissan Altima in Kentucky is normally pretty easy, but it relies on a complicated rating formula that uses factors such as how you use your Altima, whether or not you have prior claims, and citations on your driving record. Drivers will pay around $1,017 a year for Altima insurance, but that amount is a valuation based upon a 40-year-old married male driver with full physical damage coverage and $250 deductibles.
When projecting a rate like this, the problem is that you’re not a 40-year-old male, possibly single instead of married, or maybe you just want different deductibles. This example demonstrates why the only real way to find the cheapest insurance price for your Nissan is to do the rate comparisons yourself. Quotes are free and you will be able to compare rates from the best companies that insure vehicles in Kentucky.
The specific model of Altima will most likely have an effect on the annual cost of coverage, so the rate you will pay to insure a Altima 2.5 4-Dr Sedan will be $228 less expensive the insurance cost for the more well-appointed Altima 3.5 SR 2-Dr Coupe version, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $230 | $392 | $336 | $20 | $100 | $1,078 | $90 |
| Altima 2.5 S 4-Dr Sedan | $230 | $460 | $336 | $20 | $100 | $1,146 | $96 |
| Altima Hybrid 4-Dr Sedan | $260 | $460 | $336 | $20 | $100 | $1,176 | $98 |
| Altima 2.5 S 2-Dr Coupe | $260 | $460 | $380 | $22 | $114 | $1,236 | $103 |
| Altima 3.5 SR 4-Dr Sedan | $260 | $460 | $336 | $20 | $100 | $1,176 | $98 |
| Altima 3.5 SR 2-Dr Coupe | $260 | $530 | $380 | $22 | $114 | $1,306 | $109 |
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Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Prices do not factor in vehicle garaging location which can affect rates greatly.
Ratings for Louisville car insurance companies
Picking a high-quality company can be challenging considering how many choices drivers have in Kentucky. The ranking information listed below could help you choose which auto insurance companies to look at when shopping around.
The ratings below are only comprised of the largest auto insurers in America, so smaller companies will not be included in these rankings. To compare prices from these and other companies in Kentucky, click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
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Data Source: Insure.com Best Car Insurance Companies
Responsible drivers pay cheaper Louisville car insurance rates
A great way to find cheap car insurance prices in Louisville for an Altima is to be an attentive driver and avoid accidents and traffic violations. The information below demonstrates how citations and accident claims increase insurance prices for different categories of driver ages. The data assumes a single male driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.
The data in the chart shows the average cost of auto insurance per year with a clean driving record and no accidents is $2,473. Get one speeding ticket and the average cost surges to $2,786, an increase of $313 each year. Then throw in two accidents along with the one speeding ticket and the annual cost of car insurance for a Nissan Altima increases to an average of $5,439. That’s an increase of $2,966, or $247 per month, just for not driving carefully!
Are you paying too much for car insurance?
Kentucky car insurance rates are calculated based on many things which can substantially change the price of your policy. Simply having another birthday, increasing liability limits, or getting a DUI can trigger price changes resulting in some rates now being more affordable than the competition. Additionally, auto insurance companies file new Kentucky car insurance rates every year to ensure their profitability. An unexpected high level of claims may result in higher priced premiums, while profitable underwriting may cause cheaper Altima insurance rates.
To help illustrate this point, the bar chart below shows which company has the cheapest car insurance in Louisville, KY for a 45-year-old female driver with a clean driving record, no accidents, and great credit. If we compare prices based on her current rating profile, Cincinnati Insurance offers the cheapest car insurance rates in Louisville at $1,643 annually. This is $500 less than the average policy premium paid by Kentucky drivers of $2,143. Kentucky Farm Bureau, USAA, Auto-Owners, and Motorists Mutual are the rest of the cheapest Louisville, KY auto insurance companies.
The example below compares rates after we give the driver from the first rate comparison an accident surcharge, a lower credit rating, and a blemish on her driving record. Because each company uses their own formula for filing rates in each state, analyzing rates could now result in a new list of the cheapest Louisville car insurance companies as shown below.
Kentucky Farm Bureau now has the cheapest insurance rate in Louisville, KY with USAA, Travelers, State Farm, and Westfield also being competitive. This example proves why Kentucky drivers need to compare many different companies when trying to get cheap auto insurance quotes for a Nissan Altima. Insurance rates are influenced by many things and can change without notice, so the most economical company the last time you shopped your coverage around may now be quite expensive.
The agents listed below can help you decide which auto insurance coverages would be the best in your situation, as lots of drivers aren’t clear which coverage they need and would like to get some help when shopping for cheaper insurance for a Nissan Altima. It can be difficult to find the best rates on your own, so getting professional guidance from a licensed agent can add satisfaction knowing your coverage gives you sufficient protection if you have a claim. To locate a Louisville car insurance agency using an interactive map, click the button at the bottom or click here to compare prices now.
- Nationwide Insurance: Jerry Kays Insurance Inc
3701 Taylorsville Rd #1a – Louisville, KY 40220 – (502) 459-0833 - Brandon Warren – State Farm Insurance Agent
12342 Shelbyville Rd – Louisville, KY 40243 – (502) 254-9300 - Milt Nugent – State Farm Insurance Agent
1005 Dupont Square N – Louisville, KY 40207 – (502) 897-6426