Finding economical coverage for a Nissan Altima depends on lots of different rating factors such as whether you are male or female, your residence address, and your policy deductibles. Drivers in Hawaii will pay around $758 annually for Altima insurance, but that amount is a projection using a 30-year-old married male driver with full coverage and $500 deductibles.
When making auto insurance estimates, the issue arises that you are not 30 years old and maybe not even male, single instead of married, or maybe you’re a renter instead of a homeowner. Just a slight change in rating variables or coverage information could end up with a large change in how much coverage for a Nissan Altima costs.
The different assumptions illustrate why the only real way to find the cheapest rates for your Nissan is to do your own rate comparisons. Get a free quote now and you will receive price comparisons from some of the best insurers that insure Nissan vehicles in Hawaii.
The specific model of Altima will have an impact the cost of coverage, so the price you will be charged to insure a Altima 2.5 4-Dr Sedan model will be $170 lower than the price to insure the more expensive Altima 3.5 SR 2-Dr Coupe model, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Altima 2.5 4-Dr Sedan||$166||$278||$264||$16||$80||$804||$67|
|Altima 2.5 S 4-Dr Sedan||$166||$328||$264||$16||$80||$854||$71|
|Altima Hybrid 4-Dr Sedan||$188||$328||$264||$16||$80||$876||$73|
|Altima 2.5 S 2-Dr Coupe||$188||$328||$300||$18||$90||$924||$77|
|Altima 3.5 SR 4-Dr Sedan||$188||$328||$264||$16||$80||$876||$73|
|Altima 3.5 SR 2-Dr Coupe||$188||$378||$300||$18||$90||$974||$81|
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Premium costs do not factor in the specific area where the vehicle is garaged which can revise rates considerably.
Shopping around for cheap insurance is challenging, and determining which companies have the best auto insurance rates for a Nissan Altima will take more quotes for comparison.
Every auto insurer has a proprietary formula for establishing rates, so let’s take a look at the most affordable auto insurance companies in Honolulu, HI. It’s a good idea to know that Honolulu, HI auto insurance rates are based on many factors that may substantially change the cost of having a policy. Price variation is why it is critical to compare many different companies when trying to get the best auto insurance quotes for a Nissan Altima. Insurance prices are made up of many different factors and can change substantially, so the most economical option the last time you shopped around may now be quite expensive.
Find Cheaper Car Insurance for Your Altima
|Rank||Company||Cost Per Year|
|7||First of Hawaii||$1,987|
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USAA offers some of the cheapest car insurance rates in Honolulu at around $936 each year. This is $660 less than the average premium paid by Hawaii drivers of $1,596. State Farm, GEICO, Liberty Mutual, and Progressive would also be considered some of the more affordable Honolulu, HI car insurance companies.
As shown above, if you currently have coverage with Liberty Mutual and switched to State Farm, you could realize a yearly price reduction of upwards of $355. Hawaii drivers with Progressive might save as much as $515 a year, and Allstate customers might lower prices by $855 a year.
To get a fast rate comparison, click here to start a quote or quote rates from the companies below.
Remember that these premium estimates are averages for all ages of drivers and types of vehicles and do not take into consideration a specific vehicle garaging location for a Nissan Altima. So the insurer that has the cheapest price for you may not even be in the list above. That’s why you need to get car insurance quotes using your own individual information.
The example below illustrates how choosing a deductible can influence insurance prices when getting quotes for cheap insurance for a Nissan Altima. The rates are based on a single male driver, comprehensive and collision coverage, and no discounts are taken into consideration.
A 50-year-old driver could lower their policy premium by $304 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $458 by using a $1,000 deductible. Younger drivers, like the 20-year-old, could lower their rates up to $1,004 annually by selecting a higher deductible. If you do make the decision to raise your deductibles, it will be important to have plenty of savings on hand to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.
You may be paying too much for Altima insurance
Hawaii auto insurance rates are determined by lots of factors which can significantly increase or decrease the price you have to pay for coverage. Improving your credit score, increasing liability limits, or having an at-fault accident can produce rate changes that can now make some companies cheaper in comparison to the competition. Also, companies amend premium rates as often as every quarter to adjust for gains or losses. Heavy losses can result in high rates, while lower claims can cause cheaper Altima insurance rates.
To illustrate this example, the chart below shows which company has the cheapest car insurance in Honolulu, HI for a 40-year-old female driver with no prior claims, no tickets, and a good credit rating. When comparing rates based on her personal risk profile, USAA might offer the lowest car insurance rates in Honolulu at $983 each year. This is $613 less than the average policy premium paid by Hawaii drivers of $1,596. State Farm, GEICO, Liberty Mutual, and Progressive are also included in the most affordable Honolulu, HI auto insurance companies.
In this example, we will give the driver from the first rate comparison an accident surcharge, a lower credit rating, and an imperfect driving record. Since each auto insurance company has a proprietary formula to set their prices, analyzing rates will most likely result in a different ranking of affordable companies as shown below.
State Farm now has the lowest price in Honolulu, HI with USAA, GEICO, First of Hawaii, and Liberty Mutual now being in the top five. This example demonstrates why consumers need to perform an extensive rate comparison when trying to get the cheapest car insurance rates for a Nissan Altima. Prices can be determined by many things and can change without notice, so the lowest-price company the last time you checked may now be one of the more expensive options.
If you have questions and prefer to have a little guidance when shopping for the best coverage for a Nissan Altima, the insurance agencies listed below can answer your questions and help you decide which auto insurance coverages would be the best in your situation.
To find a Honolulu insurance agent using an interactive map, click the button following the list or click here to compare rates now.
Allstate Insurance: Ricky N. Bonilla
2024 N King St #101b – Honolulu, HI 96819 – (808) 842-5844
Cavanah Associates, Inc.
1100 Alakea St #2600 – Honolulu, HI 96813 – (808) 537-1970
Rosten Y Tsuha Insurance Agency Inc
1350 S King St #303 – Honolulu, HI 96814 – (808) 591-5545
Cynthia Leiko Frost – State Farm Insurance Agent
2038 S King St – Honolulu, HI 96826 – (808) 952-5353
Allstate: Honolulu Insurance Specialists
1370 N King St – Honolulu, HI 96817 – (808) 845-9026