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.

Ready to start shopping for Nissan Sentra rates? Enter your five-digit ZIP code into our FREE quote tool above.

U.S. average insurance rates for a Nissan Sentra are $1,372 a year for full coverage. Comprehensive costs around $254 each year, collision costs $570, and liability costs $390. Liability-only coverage costs as little as $452 a year, with high-risk coverage costing around $3,002. 16-year-old drivers pay the highest rates at $5,206 a year or more.

Average premium for full coverage: $1,372

Price estimates for individual coverage:

Includes $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and Sentra models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on auto insurance rates. Areas with sparse population have lower incidents of accident claims than congested cities.

The graphic below illustrates how geographic area affects auto insurance rates.

The ranges above show why all drivers should compare rates for a specific zip code, instead of using rate averages.

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

Additional Rate Analysis

The chart below shows estimated Nissan Sentra insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $778
• Drivers who choose higher $1,000 deductibles will pay about $184 a year
• The estimated price for the average middle-age driver using $500 deductibles is $1,372
• Buying low deductibles for comprehensive and collision insurance bumps up the cost to $1,742
• Higher-risk drivers with multiple tickets or accidents could pay at least $3,002 or more
• The price that insures a teen driver can be $5,206 a year

View Chart as Image

Auto insurance prices for a Nissan Sentra are also quite variable based on the trim level and model year, how you drive, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you could be paying at least $1,700 to $2,300 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 138% more than the average rate. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay as much as $5,200 a year. View Rates by Age

The state you live in makes a big difference in Nissan Sentra insurance prices. A 40-year-old driver could pay as low as $910 a year in states like Idaho, Maine, and Iowa, or at least $1,960 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could save up to $560 every year, whereas increasing liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $351 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know your exact price is to do a rate comparison and see which company has the best price. Every company utilizes a different rate formula, and quoted prices may be quite different.

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 Find the Cheapest Nissan Sentra Insurance

Getting lower rates on car insurance not only requires being safe and accident-free, but also maintaining a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Comparison shop once a year by getting quotes from direct carriers, and also from several local insurance agents.

Below you'll find a recap of the data that was presented in the illustrations above.

• Drivers can save up to $170 per year simply by quoting online in advance
• Policyholders who may need more liability protection will pay around $430 each year to go from a low limit to the 250/500 level
• Youthful drivers are expensive to insure, with premiums as much as $434 a month if the policy includes full coverage
• Higher risk drivers that have major violations or accidents pay on average $1,630 more every year than a low-risk driver

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