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.

The average auto insurance rates for a Nissan Sentra are $1,366 annually for full coverage insurance. Comprehensive insurance costs around $244, collision costs $566, and liability coverage costs around $398. Buying just liability costs as low as $460 a year, with insurance for high-risk drivers costing $2,992 or more. 16-year-old drivers cost the most to insure at $5,216 a year or more.

Average premium for full coverage: $1,366

Policy rates for type of insurance:

Includes $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for all Sentra models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than congested cities.

The example below illustrates how rural and urban location affects auto insurance rates.

The examples above illustrate why everyone should compare prices for a specific zip code and their own personal driving habits, rather than using rate averages.

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

More Rate Details

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

• The best full coverage rate is $774
• Using higher $1,000 deductibles will save about $182 each year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,366
• Buying pricier low deductibles for physical damage coverage costs an additional $362 each year
• Higher-risk drivers with multiple tickets or accidents could pay at least $2,992 or more
• Policy cost with full coverage for a teenage driver for full coverage can be $5,216 or more

View Chart as Image

Insurance rates for a Nissan Sentra also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.

A more mature driver with a clean driving record and high physical damage deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay as much as $5,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,700 to $2,300 extra every year, depending on your age. Nissan Sentra insurance for high-risk drivers can be around 44% to 138% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $550 a year, whereas buying more liability protection will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $358 more per year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Nissan Sentra insurance rates. A driver around age 40 might see rates as low as $890 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,850 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out your exact price is to regularly compare rates and see how they stack up. Each insurance company utilizes a different rate formula, so the rates will be varied 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 the Cheapest Nissan Sentra Insurance

Finding cheaper rates on auto insurance requires being a low-risk driver, having a good credit history, being claim-free, and insuring your home and auto with the same company. Set aside time to shop around at every other renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a recap of the concepts that were raised in the charts and tables above.

• Drivers that have major violations or accidents pay on average $1,630 more every year to insure their Sentra
• Teen drivers pay higher rates, possibly costing $435 each month including comprehensive and collision insurance
• It is possible to save up to $170 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $550 each year
• It is possible to save up to $170 per year simply by quoting online well ahead of the renewal date

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