Who Has the Cheapest Omaha Auto Insurance Rates for a Nissan Altima?

Buying the best cheap coverage for a Nissan Altima relies on a lot of things such as whether you use your Altima for business use, where you live, and driving citations. Nebraska drivers will pay around $933 annually to insure their Altima, but that is a projection based on a 40-year-old married male driver with full coverage and $250 deductibles.

There is a good probability you are not 40 and maybe not even a male, possibly single instead of married, or maybe you want more liability coverage than is required by law in Nebraska. This demonstrates why the only real way to find the most affordable coverage for your Nissan is to do your own rate comparisons.

Insure Your Nissan for Less

The specific model of Altima tends to have a direct impact on the coverage cost, so the price to insure a Altima 2.5 4-Dr Sedan trim level will be $210 cheaper than the price to insure the more expensive Altima 3.5 SR 2-Dr Coupe version, as shown in the prices below.

Nissan Altima Insurance Rates in Omaha, NE
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $210 $360 $308 $18 $92 $988 $82
Altima 2.5 S 4-Dr Sedan $210 $424 $308 $18 $92 $1,052 $88
Altima Hybrid 4-Dr Sedan $238 $424 $308 $18 $92 $1,080 $90
Altima 2.5 S 2-Dr Coupe $238 $424 $348 $20 $104 $1,134 $95
Altima 3.5 SR 4-Dr Sedan $238 $424 $308 $18 $92 $1,080 $90
Altima 3.5 SR 2-Dr Coupe $238 $488 $348 $20 $104 $1,198 $100
Get Your Own Custom Quote Go

Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Prices do not factor in vehicle location which can alter premiums substantially.

Finding out which insurers offer the cheapest car insurance rates for a Nissan Altima will require a bit more effort in order to find the most economical policy. Every insurance company uses a little different formula for determining rates, so let’s examine the lowest cost car insurance companies in Nebraska.

We do need to point out that Omaha car insurance rates are impacted by many things which can significantly increase or decrease the policy premium. Simply having a birthday, increasing liability limits, or having an accident may cause policy rate changes that can cause some rates to be affordable when they were higher priced.

Find the Best Cheap Insurance for Your Altima

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Cheapest insurance companies in Nebraska
Rank Company Cost Per Year
1 Safeco $788
2 The Hartford $865
3 Auto-Owners $932
4 Allied $949
5 Farmers Mutual of Nebraska $979
6 Farm Bureau Mutual $980
7 Nationwide $1,027
8 State Farm $1,065
9 General Casualty $1,092
10 American National $1,098
11 USAA $1,116
12 California Casualty $1,257
13 American Family $1,258
14 MetLife $1,293
15 Iowa Mutual $1,295
16 EMC $1,354
17 GEICO $1,362
18 Progressive $1,445
19 Farmers $1,634
20 North Star $1,693
Get a Custom Quote Go

Safeco offers some of the cheapest car insurance rates in Omaha at around $788 per year. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska would also be considered some of the cheapest Omaha, NE car insurance companies.

In this example, if you are currently insured with Allied and switched to The Hartford, you may see savings of approximately $84. Nebraska drivers with Farmers Mutual of Nebraska could save as much as $114 a year, and Farm Bureau Mutual customers might lower prices by $115 a year.

Understand that those estimates are averages for all drivers and vehicles in Nebraska and and are not calculated with a vehicle location for a Nissan Altima. So the car insurance company that fits your situation best may not even be in the top 24 companies in the list above. That’s why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.

Bad driving habits will cost you more

The best way to obtain cheap car insurance prices in Omaha for an Altima is to drive safe and avoid getting tickets or having accidents. The illustration below shows how traffic citations and at-fault claims influence insurance premiums for different age groups of insureds. The rates are based on a married female driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.

In the prior example, the average cost of auto insurance in Omaha per year with a clean driving record and no accidents is $1,651. Factor in one speeding ticket and the average cost jumps to $1,923, an increase of $272 each year. Now add two accidents along with the one speeding ticket and the yearly cost of car insurance for a Nissan Altima increases to an average of $4,255. That’s an increase of $2,604, or $217 per month, just for not being more responsible behind the wheel!

Rate comparison of full coverage and liability-only

Paying less for car insurance is the goal of the majority of drivers, and one of the quickest ways to find cheap insurance for a Nissan Altima is to not insure for full coverage. The example below visualizes the comparison of insurance prices with full physical damage coverage compared to only buying liability only. The rates are based on a clean driving record, no claims, $250 deductibles, single status, and no discounts are taken into consideration.

Averaged out for all age groups, comprehensive and collision coverage on your policy costs $1,870 per year over and above liability coverage. Many of you may wonder if full coverage is worth the money. There is no set guideline of when to drop physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.

How to find low-cost auto insurance for a Nissan Altima

It is possible to find better rates, and here are some of the recommended money-saving solutions that can help Omaha drivers get cheaper auto insurance.

The last tip in the list is highly important, as was pointed out in the prior article. Coverage prices fluctuate considerably, so don’t be unwilling to switch carriers if a lower-cost policy is available. Having brand loyalty is commendable, but it’s not a good idea if your bullheadedness ends up costing you lots of money. If you have a few minutes, compare rates and find cheaper auto insurance for a Nissan Altima in Omaha.

The agencies below can aid you in deciding which insurance coverage will be best for you, since some people prefer to get some guidance when shopping for the best coverage for an Altima. It can be time-consuming to find the cheapest rate yourself, and using a licensed agent can provide comfort knowing your policy gives you adequate protection in case of an accident or claim. To locate an agency closest to you, click the button after the list.

Janice Peterson – State Farm Insurance Agent
9785 Q St Ste #4Omaha, NE 68127(402) 593-1899

Omaha Division Insurance
14792 Ray Sapp DrOmaha, NE 68138(402) 334-7087

Tom Kaspar – State Farm Insurance Agent
1722 N 120th StOmaha, NE 68154(402) 493-0101

Chastain-Otis Insurance and Financial Services
10822 Old Mill Rd #2Omaha, NE 68154(402) 397-2500

More insurance agents in Omaha, NE