Nissan Sentra Insurance Rates

Need help finding cheap Nissan Sentra insurance rates? Our guide breaks down insurance costs that will help you decipher everything from 2018 Nissan Sentra car insurance rates to 2011 Nissan Sentra costs.

So read on to learn how a Nissan Sentra auto insurance  company may calculate your premiums and how to secure cheap car insurance rates.

Never buy Nissan Sentra car insurance without shopping around. We can help you find affordable Nissan Sentra car insurance quotes in your area.

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Average auto insurance rates for a Nissan Sentra are $1,366 annually with full coverage. Comprehensive insurance costs approximately $244 a year, collision costs $566, and liability is $398. A liability-only policy costs around $460 a year, with high-risk insurance costing $2,992 or more. Teen drivers receive the highest rates at $5,216 a year or more.

Average premium for full coverage: $1,366

Rate estimates by individual coverage type:

Estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and Sentra trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. Rural locations tend to have fewer collision claims than larger metro areas.

The diagram below illustrates how where you live affects auto insurance prices.

These examples demonstrate why it is important to compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on price averages.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below details estimated Nissan Sentra insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $774
• Raising to $1,000 deductibles will save $1,184 annually
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,366
• Choosing low $100 deductibles costs an additional $362 annually
• Drivers with multiple violations and an at-fault accident could pay around $2,992 or more
• The cost with full coverage for a 16-year-old driver can cost $5,216

View Chart as Image

Insurance rates for a Nissan Sentra can also vary considerably based on the trim level of your Sentra, your driving record, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay in the ballpark of $5,200 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $1,700 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 138% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $550 annually, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $358 more per year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Nissan Sentra insurance prices. A middle-age driver might find rates as low as $990 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,850 on average in New York, Michigan, and Florida.

View Chart as Image

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to get quotes from multiple companies. Every auto insurance company uses a different rate calculation, so the rates can be significantly different between companies.

Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Buy Low Cost Nissan Sentra Insurance

Saving money on insurance for a Nissan Sentra consists of having a decent driving record, having a good credit history, eliminating unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop at every other renewal by requesting rates from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following items are a review of the concepts that were touched on in the above illustrations.

• Drivers considered higher risk who have several accidents or serious violations may pay on average $1,630 more per year than a driver with a clean driving record
• 16 to 18-year-old drivers are expensive to insure, with premiums as much as $435 per month including comprehensive and collision insurance
• You may be able to save around $170 per year simply by quoting early and online
• Increasing deductibles could save up to $550 each year
• You may be able to save around $170 per year simply by quoting early and online

So is the 2020 Nissan Sentra a good car? We recommended for it’s low insurance cost and great value.

Shopping around will help you save on the cost to insure a Nissan Sentra or any other Nissan model, such as a 2019, 2017, 2013, or 2005 Nissan Stanza. Getting quotes for a model year will also help you decide what year to buy when car shopping.

For example, the 2017 Nissan Sentra insurance cost may be much higher than the 2011 Nissan Sentra cost of insurance. So if you trying to find insurance for a 2017 Nissan Sentra or want to know how much does a 2014 Nissan Sentra cost to insure, start by getting quotes.

Use our free tool below to find how much does a new Nissan Sentra cost to insure.

What are the safety ratings of the Nissan Sentra?

Great safety features and ratings can lower your insurance rates. This is why a 2002 Nissan Sentra price range might be higher than the Nissan Sentra 2019 cost of insurance, as the 2019 Nissan Sentra will have better safety features.

The Nissan Sentra’s safety features include multiple airbags, vehicle dynamic control (VDC), traction control system (TCS), front collision warning, blind-spot monitoring, and more. The Insurance Institute for Highway Safety (IIHS) gave the 2020 Nissan Sentra the following crash test ratings:

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good

Good is the highest rating possible. Watch the video below for an example of the Nissan Sentra crash test.

In the table below, you can see the different Nissan Sentra crash test ratings as composed by the National Highway Traffic Safety Administration.

Nissan Sentra Crash Test Ratings

A 5-star rating is the highest possible score given by the National Highway Traffic Safety Administration. Overall, the Nissan Sentra performed well and proves to be a reliable, safe vehicle.

Nissan Sentra Compared Against Other Vehicles in the Same Class

The Nissan Sentra is a small car. The IIHS rated its property damage liability losses as average, but the Nissan Sentra’s bodily injury liability losses are substantially worse than average. This could mean higher liability rates.

See more of the Nissan Sentra insurance loss probability details in the table below.

Nissan Sentra Insurance Loss Probability

The lower the percentage, the better the loss ratio. Unfortunately, the Nissan Sentra is average or worse than average in every category besides comprehensive.

Sometimes liability rates will vary, as 2011 Nissan Sentra trim levels’ liability losses will be different than 2020 losses, but overall the losses for the Nissan Sentra aren’t promising. Take a look at the cars below to see how Nissan Sentra rates compare to other small cars.

• Acura ILX
• Chevrolet Bolt
• Chevrolet Cruze

Are you still wondering how much does a 2011 or 2014 Nissan Sentra cost to insure? Rates will vary based on model year, like the Nissan Sentra or Stanza 2019 cost will vary from the cost of a Nissan Sentra 2017 or the Nissan Sentra 2005 average price.

One of the best ways to determine prices is to compare quotes. Ready to get started?

Simply enter your five-digit ZIP code into our FREE online tool to find Nissan Sentra insurance rates.

References

1. https://www.iihs.org/ratings/vehicle/nissan/sentra-4-door-sedan/2020