How Much is Lubbock Auto Insurance for a Nissan Altima?

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Finding economical auto insurance for a Nissan Altima is pretty simple, but it relies on an enormous amount of factors such as how many miles you drive each year, if you have recent claims, and driving violations and tickets. Drivers pay around $1,366 per year for Altima insurance, but that amount is an estimate calculated based on a 30-year-old married male driver with full coverage and $100 deductibles.

More likely than not, you aren't exactly 30 years old or even a male, possibly single instead of married, and you don't want the same coverages and limits as the example. This demonstrates why the best method for finding affordable rates for your Nissan is to put in the effort to do a thorough rate comparison.

Find Cheaper Nissan Altima Insurance

The trim level of your Altima will influence price, so the price you will be charged to insure a Altima 2.5 4-Dr Sedan model will be $320 lower than the cost to insure the high end Altima 3.5 SR 2-Dr Coupe trim level, as shown in the prices below.

Nissan Altima Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $328 $592 $382 $22 $114 $1,438 $120
Altima 2.5 S 4-Dr Sedan $328 $698 $382 $22 $114 $1,544 $129
Altima Hybrid 4-Dr Sedan $370 $698 $382 $22 $114 $1,586 $132
Altima 2.5 S 2-Dr Coupe $370 $698 $430 $26 $128 $1,652 $138
Altima 3.5 SR 4-Dr Sedan $370 $698 $382 $22 $114 $1,586 $132
Altima 3.5 SR 2-Dr Coupe $370 $804 $430 $26 $128 $1,758 $147
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Prices do not factor in zip code location which can revise premium rates greatly.

Finding budget car insurance is not easy, and determining which company quotes the cheapest insurance rates for a Nissan Altima requires even more rate comparisons.

Each insurer uses a little different formula for determining rates, so we'll take a look at the most competitive insurance companies in Lubbock, TX. Keep in mind that Lubbock insurance rates are influenced by many factors which can substantially change the price of your policy. Simply getting older, moving to a different location, or getting into an accident can trigger price changes resulting in some companies being more expensive than competitors.

Best Insurance Companies for Your Altima

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What's the cheapest car insurance in Texas?
Rank Company Cost Per Year
1 Travelers $1,021
2 USAA $1,117
3 Texas Farm Bureau $1,247
4 Germania Mutual $1,294
5 Esurance $1,379
6 California Casualty $1,438
7 State Farm $1,495
8 Mercury $1,521
9 Nationwide $1,585
10 Safe Auto $1,597
11 Progressive $1,664
12 Allstate $1,718
13 Amica $1,775
14 GEICO $2,072
15 Home State $2,134
16 MetLife $2,183
17 Unitrin $2,264
18 Encompass $2,301
19 21st Century $2,396
20 Titan $2,672
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Travelers may have some of the lowest car insurance rates in Lubbock at around $1,021 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also make the list of some of the best Lubbock, TX insurance companies.

As illustrated above, if you currently have coverage with USAA and switched to Travelers, you may realize an annual premium reduction of about $96. Insureds with Texas Farm Bureau might save as much as $226 a year, and Germania Mutual policyholders might lower prices by $273 a year.

To see if your current coverage is too expensive, click here to start your free quote or feel free to get quotes from the companies below.

These premium estimates are averaged for all drivers and vehicles and are not factoring in a specific vehicle garaging location for a Nissan Altima. So the insurer that is best for you may not even be in the list above. That point stresses why you need to get auto insurance quotes using your own driver data and vehicle information.

How to get discounts on Lubbock insurance rates

Save on insurance for an Altima in LubbockCar insurance companies that offer quotes for a Nissan Altima may additionally offer discounts that could reduce prices by 40% or more if you are eligible to receive them. The best insurance companies and their offered discounts include:

The chart below illustrates the difference between car insurance rates with and without discounts applied to the policy premium. The information is based on a female driver, no tickets, no at-fault accidents, Texas state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with marriage, anti-theft, multiple vehicle, claim-free, homeowner, and passive restraint discounts applied. When these discounts are applied, theamount saved on insurance for a Nissan Altima is 28% or $624.

Poor driving habits will raise your insurance rates

The easiest way to receive low insurance prices in Texas for an Altima is to be a good driver and avoid traffic citations and accidents. The information below shows how traffic citations and at-fault collisions increase insurance costs for different age groups. The price estimates are based on a single female driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.

In the previous example, the average cost of a car insurance policy per year with a clean driving record and no accidents is $2,143. Add in one speeding ticket and the average cost swells to $2,430, an increase of $287 each year. Then add in one accident along with the one speeding ticket and the annual cost of insurance for a Nissan Altima goes up to an average of $3,242. That's an increase of $1,099, or $92 per month, just for not being more responsible behind the wheel!

Cost of full coverage in Lubbock

Saving on insurance is probably important to the majority of drivers, and one way to reduce the cost of insurance for a Nissan Altima is to not insure for full coverage. The example below illustrates the comparison of car insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The information is based on no claims or violations, $1,000 deductibles, single marital status, and no other discounts are factored in.

Averaged for all age groups, physical damage insurance costs $2,159 per year over and above liability coverage. That proposes the question if full coverage is worth the money. There is no specific rule that is best for determining when to drop physical damage coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

For example, let's pretend your vehicle's claim settlement value is $7,500 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $6,500 after paying your policy deductible. If you are currently paying more than $650 annually for your policy with full coverage, then you might want to consider buying only liability coverage.

There are some circumstances where buying only liability insurance is not recommended. If you still have a loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should maintain full coverage.