Who Has the Cheapest Baltimore Auto Insurance Quotes for a Nissan Altima?

Finding the cheapest car insurance for a Nissan Altima depends on a lot of different factors such as annual vehicle mileage, your credit history, and violations on your driving record. Drivers in Maryland will pay on average $1,462 each year for Altima insurance, but that is a valuation based on a 50-year-old single female driver with full comprehensive and collision coverage and $100 deductibles.

When making auto insurance estimates, the issue arises that you are not 50 years old and maybe not even female, possibly married instead of single, or you just prefer to insure for liability only. Even a minor difference in policy rating criteria or coverages can result in a massive change in how much coverage for a Nissan Altima costs.

There is no one cookie-cutter policy that works for everyone, so the only way to find the cheapest insurance price for your Nissan is to put in the effort to do a thorough rate comparison. Quotes are free and you can get prices from some of the best insurers that insure vehicles in Maryland.

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The specific trim level has an effect on price, so the price you will pay to insure a Altima 2.5 4-Dr Sedan model will cost $340 less than the insurance cost for the more costly Altima 3.5 SR 2-Dr Coupe model, as shown in the chart below.

Nissan Altima Insurance Rates in Baltimore, MD
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $300 $618 $458 $28 $138 $1,542 $129
Altima 2.5 S 4-Dr Sedan $300 $728 $458 $28 $138 $1,652 $138
Altima Hybrid 4-Dr Sedan $340 $728 $458 $28 $138 $1,692 $141
Altima 2.5 S 2-Dr Coupe $340 $728 $518 $30 $156 $1,772 $148
Altima 3.5 SR 4-Dr Sedan $340 $728 $458 $28 $138 $1,692 $141
Altima 3.5 SR 2-Dr Coupe $340 $838 $518 $30 $156 $1,882 $157
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Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Maryland minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Rate quotes do not factor in specific garaging location which can modify premiums significantly.

Finding dependable, budget auto insurance is difficult, and finding out which company quotes the best car insurance rates for a Nissan Altima takes a bit more work.

Each auto insurance company uses their own method to set premium rates, so first we will examine the most competitive car insurance companies in Baltimore, MD. It’s important that you understand Maryland car insurance rates are impacted by many things that may substantially change the price you have to pay. This price variation is why drivers need to take the time to shop around to find the most budget-friendly insurance quotes for a Nissan Altima. Insurance prices are influenced by many different factors and can increase or decrease at any time, so the best price three years ago may now not even be in the top five.

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Who has the cheapest car insurance in Maryland?
Rank Company Cost Per Year
1 USAA $930
2 Penn National $1,093
3 Liberty Mutual $1,114
4 Erie $1,161
5 State Auto $1,214
6 Amica $1,308
7 Nationwide $1,379
8 Travelers $1,384
9 MetLife $1,386
10 California Casualty $1,484
11 GEICO $1,486
12 Allstate $1,596
13 State Farm $1,630
14 Progressive $2,149
15 Encompass $2,490
16 Victoria $2,933
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USAA generally has some of the lowest car insurance rates in Baltimore at around $930 per year. This is $629 less than the average rate paid by Maryland drivers of $1,559. Penn National, Liberty Mutual, Erie, and State Auto would also be considered some of the cheaper Baltimore, MD insurance companies.

As shown above, if you buy coverage from Penn National and switched to USAA, you could earn an annual savings of around $163. Drivers with Liberty Mutual may save as much as $184 a year, and Erie customers might reduce prices by as much as $231 a year.

To find the cheapest rates for your vehicle, click here to start your free quote or quote prices from the following companies.

Understand that those premium estimates are averages for all types of drivers and the different vehicles they drive and and are not calculated with an exact vehicle garaging location for a Nissan Altima. So the car insurance company that can offer the best rates for your situation may not even be in the top 16 companies shown above. That helps illustrate why you need to compare prices as often as possible using your own driver and vehicle profiles.

The example below demonstrates how deductible levels can affect insurance prices when searching for cheap insurance for a Nissan Altima. The premiums are based on a married female driver, full coverage, and no additional discounts are factored in.

As shown above, a 50-year-old driver could save $386 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $584 by choosing a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, could reduce their rates $958 or more by choosing a larger deductible amount.

If you do decide to increase your deductibles, it is essential to have additional funds in a savings account to be able to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

What aren’t you shopping around?

Baltimore car insurance rates are based on many factors which can substantially decrease or increase the cost of having a policy. Simply having a birthday, getting married, or getting a reckless driving citation can trigger price changes that can make some companies more affordable than before. Not only may your situation change, but insurance companies modify pricing as often as every quarter in order to be able to pay unexpected claims. Heavier than normal losses can cause higher prices, while lower claim levels can result in lower-cost Altima insurance rates.

To help illustrate this point, the data below analyzes the cheapest car insurance in Baltimore, MD for a 45-year-old male driver with no accidents or violations, and a high credit rating. If we compare prices based on his personal risk profile, USAA might offer the best car insurance rates in Baltimore at $1,669 a year. This is $110 more than the average premium paid by Maryland drivers of $1,559. Liberty Mutual, Penn National, Erie, and State Auto are the remainder of the cheapest Baltimore, MD auto insurance companies.

In the next rate comparison, we’ll give the driver from above a claim or two, poor credit, and a couple of points charged on his driving record. Due to the fact that every auto insurer has their own process to establish rates, comparing quotes may now show a different list of affordable Baltimore car insurance companies as shown below.

Nationwide now has the best price on car insurance in Baltimore with MetLife, Travelers, GEICO, and Liberty Mutual also being competitive. This example illustrates why it is crucial to shop around when trying to find the lowest auto insurance quotes for a Nissan Altima.

Car insurance prices can be altered by many different factors and change frequently, so the best price when you bought your policy may now be an over-priced policy.