Who Has Affordable Auto Insurance for a Nissan Altima in Kansas City?

Finding the cheapest car insurance for a Nissan Altima in Missouri is pretty easy to do, but it relies on a whole bunch of rating criteria such as the safety rating of your vehicle, if you have recent claims, and whether or not you are a good driver. Missouri drivers will pay on average $664 each year for Altima insurance, but that amount is a valuation based on a 30-year-old married male driver with both comprehensive and collision coverage and $1,000 deductibles.

But there is a good chance that you’re not a 30-year-old male, maybe you are single instead of married, or maybe you have a teen driver on your policy that needs to be considered. This example demonstrates why the only way to find the cheapest coverage for your Nissan is to do a thorough rate comparison. In just a couple of minutes you can get rates from some of the best companies that sell coverage in Missouri.

Cheapest Nissan Altima Insurance Rates

Vehicle trim level tends to impact the annual cost of coverage, so the rate you will pay to insure a Altima 2.5 4-Dr Sedan will cost $142 less than the price to insure the more well-appointed Altima 3.5 SR 2-Dr Coupe model, as shown in the table below.

Nissan Altima Insurance Rates in Kansas City, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $128 $218 $266 $16 $80 $708 $59
Altima 2.5 S 4-Dr Sedan $128 $258 $266 $16 $80 $748 $62
Altima Hybrid 4-Dr Sedan $144 $258 $266 $16 $80 $764 $64
Altima 2.5 S 2-Dr Coupe $144 $258 $302 $18 $90 $812 $68
Altima 3.5 SR 4-Dr Sedan $144 $258 $266 $16 $80 $764 $64
Altima 3.5 SR 2-Dr Coupe $144 $296 $302 $18 $90 $850 $71
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Premium amounts do not factor in your specific Kansas City location which can decrease or increase price quotes significantly.

Finding out which companies have the cheapest car insurance rates for a Nissan Altima may require more time in order to find the most economical policy. Every auto insurer uses their own formula to set premium rates, so let’s rank the car insurance companies that tend to be cheaper in Kansas City, MO.

Find Cheaper Car Insurance for Your Altima

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Cheapest Missouri auto insurance companies
Rank Company Cost Per Year
1 USAA $668
2 The Hartford $785
3 Electric $841
4 Allied $875
5 Auto-Owners $1,007
6 MO Farm Bureau $1,021
7 Travelers $1,038
8 Nationwide $1,109
9 Farmers $1,117
10 Cameron Mutual $1,154
11 State Farm $1,271
12 American Family $1,279
13 Safeco $1,370
14 Shelter $1,404
15 GEICO $1,406
16 Safe Auto $1,419
17 Progressive $1,424
18 MetLife $1,458
19 California Casualty $1,469
20 Encompass $1,516
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USAA quotes some of the best car insurance rates in Kansas City at around $668 annually. This is $594 less than the average policy premium paid by Missouri drivers of $1,262. The Hartford, Electric, Allied, and Auto-Owners also qualify as some of the more affordable Kansas City, MO auto insurance companies.

As shown in the table above, if you have coverage with Auto-Owners and switched to The Hartford, you could realize annual savings of in the neighborhood of $222. Policyholders with MO Farm Bureau may save as much as $236 a year, and Travelers customers might realize rate reductions of up to $253 a year.

Understand that those estimates are averaged for all insureds and vehicles and and are not calculated with a vehicle location for a Nissan Altima. So the insurer that can offer the best rates for your situation may not even be in the top 23 companies shown above. That is why you need to get auto insurance quotes using your own specific driver information and vehicle.

Do you need full coverage?

Paying less for car insurance is probably important to the majority of people, and one of the quickest ways to pay less for insurance for a Nissan Altima is to buy liability only. The example below visualizes the comparison of auto insurance costs when comparing full coverage to liability only. The data assumes no claims or driving violations, $500 deductibles, drivers are not married, and no additional discounts are factored in.

Averaged out for all age groups, physical damage insurance costs $1,491 per year over and above liability coverage. That is a large expense which might make you wonder when is it safe to stop buying full coverage. There is no definitive rule to exclude full coverage, but there is a general guideline. If the yearly cost of full coverage is more than around 10% of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.

Bad driving habits will cost you more

The obvious way to find good car insurance prices in Kansas City for an Altima is to be a safe driver and avoid accidents and traffic violations. The example below highlights how traffic violations and accidents impact car insurance costs for different age groups of insureds. The rates are based on a single male driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.

The data in the chart shows the average cost of auto insurance per year with no violations or accidents is $1,518. Receive one speeding ticket and the average cost jumps to $1,712, an increase of $195 each year. Now add in two accidents along with the one speeding ticket and the yearly cost of car insurance for a Nissan Altima jumps again to an average of $3,535. That’s an increase of $2,017, or $168 per month, just for not keeping your driving record clean!

The illustration below highlights how deductible selection can affect insurance costs when researching cheap insurance for a Nissan Altima. Data assumes a married male driver, full physical damage coverage, and no policy discounts are applied.

In the chart above, a 30-year-old driver could cut expenses by $276 a year by increasing from a $100 deductible up to a $500 deductible, or save $418 by selecting a $1,000 deductible. Younger drivers, like the age 20 example, could save as much as $842 each year just by using higher deductibles. If you do raise deductibles, it is essential to have additional funds in a savings account to enable you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.