Buying economical auto insurance for a Nissan Altima in Wisconsin is usually pretty straightforward, but it is dependent upon lots of different rating factors such as how many miles you drive each year, where your vehicle is garaged, and driving violations and tickets. Wisconsin drivers pay on average $572 per year to insure their Altima, but that figure is a valuation using a 30-year-old married male driver with full physical damage coverage and $1,000 deductibles.
When estimating a car insurance rate like we just did, the issue is that you are not 30 years old and maybe not even male, single instead of married, or maybe you just want liability only. Have just a small change in the factors used in pricing a policy can result in a massive change in the coverage rate.
Each driver’s needs are different, and that demonstrates why the way we recommend to find cheap insurance prices for your Nissan is to compare rates from as many companies as possible. To start saving now, get free quotes and you will receive rate quotes from some of the best companies in Wisconsin.
Your Nissan’s trim level tends to have a direct impact on the cost of coverage, so the rate you pay to insure a Altima 2.5 4-Dr Sedan model will cost $124 less than the price to insure the fancier Altima 3.5 SR 2-Dr Coupe trim level, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Altima 2.5 4-Dr Sedan | $110 | $188 | $230 | $14 | $68 | $610 | $51 |
| Altima 2.5 S 4-Dr Sedan | $110 | $222 | $230 | $14 | $68 | $644 | $54 |
| Altima Hybrid 4-Dr Sedan | $124 | $222 | $230 | $14 | $68 | $658 | $55 |
| Altima 2.5 S 2-Dr Coupe | $124 | $222 | $260 | $16 | $78 | $700 | $58 |
| Altima 3.5 SR 4-Dr Sedan | $124 | $222 | $230 | $14 | $68 | $658 | $55 |
| Altima 3.5 SR 2-Dr Coupe | $124 | $256 | $260 | $16 | $78 | $734 | $61 |
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Wisconsin minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Rate quotes do not factor in your specific Madison location which can decrease or increase coverage prices substantially.
How to find a good Wisconsin auto insurance company
Buying coverage from the best insurer can be challenging considering how many companies there are in Wisconsin. The ranking information in the next section may help you choose which insurers you want to consider putting your business with. These ratings are for major nationwide insurance companies, so companies that may only write in Wisconsin are not factored into the list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
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Data Source: Insure.com Best Car Insurance Companies
Get discount Madison insurance
Insurance providers that provide policies for a Nissan Altima may also offer policy discounts that could reduce prices by as much as 25% or more if you are eligible for them. Larger auto insurance companies and some of their more popular discounts are outlined below.
- American Family discounts include early bird, air bags, TimeAway discount, multi-vehicle, accident-free, Steer into Savings, and mySafetyValet.
- Farm Bureau may include discounts for multi-vehicle, driver training, multi-policy, 55 and retired, safe driver, good student, and renewal discount.
- State Farm policyholders can earn discounts including anti-theft, multiple policy, passive restraint, Steer Clear safe driver discount, good driver, and driver’s education.
- Travelers has discounts for IntelliDrive, student away at school, payment discounts, multi-policy, hybrid/electric vehicle, driver training, and early quote.
- The Hartford may have discounts that include driver training, anti-theft, defensive driver, vehicle fuel type, air bag, bundle, and good student.
- GEICO has savings for military active duty, good student, anti-lock brakes, driver training, and seat belt use.
- Progressive may offer discounts for multi-policy, homeowner, continuous coverage, online quote discount, online signing, and multi-vehicle.
The illustration below visualizes the comparison of auto insurance rates with and without discounts. Data assumes a female driver, a clean driving record, no claims, Wisconsin state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with defensive driving course, marriage, multiple vehicle, claim-free, safe-driver, and anti-theft discounts applied. When discounts are applied, theaverage yearly reduction on auto insurance for a Nissan Altima is 28% or $432.
The illustration below highlights how deductible selection can raise or lower insurance costs when quoting cheap insurance for a Nissan Altima. The data is based on a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.
As shown above, a 50-year-old driver could reduce rates by $212 a year by changing from a $100 deductible to a $500 deductible, or save $320 by switching to a $1,000 deductible. Younger drivers, like the 20-year-old category, can cut as much as $524 or even more by choosing a larger deductible amount. When increasing deductibles, it will be important to have additional funds in a savings account to cover the extra out-of-pocket expense, which deters some people from using high deductibles.
Liability-only versus full coverage
Finding the cheapest auto insurance is important to most people, and a good way to buy cheap insurance for a Nissan Altima is to not pay for full coverage. The illustration below shows the difference between auto insurance rates with full physical damage coverage and with liability coverage only. The rates are based on no violations or accidents, $1,000 deductibles, drivers are single, and no discounts are factored in.
As an average for all age groups, physical damage coverage costs an additional $1,213 per year more than just insuring for liability. That raises the question when is it a good idea to stop buying full coverage. There is no set guideline to delete physical damage coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost minus the deductible, then it may be the right time to buy liability only.