Nissan Sentra Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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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 insurance prices for a Nissan Sentra are $1,258 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $198, collision costs $446, and liability coverage is estimated at $456. Liability-only coverage costs approximately $508 a year, with high-risk coverage costing $2,758 or more. Teens cost the most to insure at $4,948 a year or more.

Average premium for full coverage: $1,258

Policy rates by type of insurance:

Comprehensive $198
Collision $446
Liability $456

Full coverage includes $500 deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different Sentra trim levels.

Price Range Variability

For a 40-year-old driver, Nissan Sentra insurance rates go from the cheapest price of $508 for minimum levels of liability insurance to a much higher rate of $2,758 for high-risk insurance.

Liability Only $508
Full Coverage $1,258
High Risk $2,758

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than cities with more traffic congestion.

The price range example below illustrates how your location can change auto insurance prices.

Rural Areas $944
Small Cities $1,321
Large Cities $1,698

The examples above illustrate why anyone shopping for car insurance should get quotes using their specific location and their own driving history, rather than using averaged prices.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Details

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

  • The cheapest rate after discounts is $724
  • Choosing higher $1,000 deductibles can save $146 each year
  • The average price for a good driver age 40 who chooses $500 deductibles is $1,258
  • Selecting more expensive low deductibles for comp and collision coverage costs an extra $290 each year
  • Drivers with serious driving violations could pay around $2,758 or more
  • Policy cost to insure a teenage driver with full coverage can cost $4,948 each year

View Chart as Image

Nissan Sentra insurance cost comparison chart
Column chart showing full coverage Nissan Sentra insurance prices range from $724 to $4,948

Insurance rates for a Nissan Sentra also range considerably based on liability limits and deductibles, your risk profile, and the model of your Sentra.

Choosing higher comprehensive and collision insurance deductibles can save as much as $440 a year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,500 to $2,100 additional every year, depending on your age. High-risk driver insurance ranges around 42% to 132% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Nissan Sentra insurance rates. A good driver about age 40 could pay as low as $830 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,700 on average in Florida, New York, and Michigan.

Nissan Sentra Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,140 -$118 -9.4%
Alaska $966 -$292 -23.2%
Arizona $1,044 -$214 -17.0%
Arkansas $1,258 -$0 0.0%
California $1,436 $178 14.1%
Colorado $1,204 -$54 -4.3%
Connecticut $1,294 $36 2.9%
Delaware $1,426 $168 13.4%
Florida $1,576 $318 25.3%
Georgia $1,162 -$96 -7.6%
Hawaii $904 -$354 -28.1%
Idaho $850 -$408 -32.4%
Illinois $938 -$320 -25.4%
Indiana $948 -$310 -24.6%
Iowa $850 -$408 -32.4%
Kansas $1,196 -$62 -4.9%
Kentucky $1,718 $460 36.6%
Louisiana $1,864 $606 48.2%
Maine $778 -$480 -38.2%
Maryland $1,038 -$220 -17.5%
Massachusetts $1,006 -$252 -20.0%
Michigan $2,188 $930 73.9%
Minnesota $1,054 -$204 -16.2%
Mississippi $1,508 $250 19.9%
Missouri $1,116 -$142 -11.3%
Montana $1,354 $96 7.6%
Nebraska $992 -$266 -21.1%
Nevada $1,510 $252 20.0%
New Hampshire $908 -$350 -27.8%
New Jersey $1,408 $150 11.9%
New Mexico $1,116 -$142 -11.3%
New York $1,328 $70 5.6%
North Carolina $726 -$532 -42.3%
North Dakota $1,030 -$228 -18.1%
Ohio $870 -$388 -30.8%
Oklahoma $1,294 $36 2.9%
Oregon $1,154 -$104 -8.3%
Pennsylvania $1,202 -$56 -4.5%
Rhode Island $1,680 $422 33.5%
South Carolina $1,140 -$118 -9.4%
South Dakota $1,062 -$196 -15.6%
Tennessee $1,102 -$156 -12.4%
Texas $1,518 $260 20.7%
Utah $932 -$326 -25.9%
Vermont $864 -$394 -31.3%
Virginia $756 -$502 -39.9%
Washington $974 -$284 -22.6%
West Virginia $1,154 -$104 -8.3%
Wisconsin $874 -$384 -30.5%
Wyoming $1,122 -$136 -10.8%

View Chart as Image

Nissan Sentra insurance rates by U.S. city

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates and see how they stack up. Each auto insurer calculates rates differently, and rates will be varied.

Insurance Rates by Trim Level and Model Year

Nissan Sentra Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Nissan Sentra 2 $1,192 $99
Nissan Sentra 2.0 S $1,248 $104
Nissan Sentra 2.0 SR $1,248 $104
Nissan Sentra 2.0 SL $1,292 $108
Nissan Sentra SE-R $1,292 $108
Nissan Sentra SE-R SPEC V $1,326 $111

Rates assume 2017 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.

Nissan Sentra Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Nissan Sentra $216 $512 $442 $1,328
2018 Nissan Sentra $206 $474 $452 $1,290
2017 Nissan Sentra $198 $446 $456 $1,258
2016 Nissan Sentra $190 $400 $460 $1,208
2015 Nissan Sentra $178 $368 $460 $1,164
2014 Nissan Sentra $172 $346 $464 $1,140
2013 Nissan Sentra $168 $322 $474 $1,122
2012 Nissan Sentra $156 $300 $474 $1,088
2011 Nissan Sentra $150 $272 $478 $1,058
2010 Nissan Sentra $140 $248 $474 $1,020
2009 Nissan Sentra $132 $226 $474 $990
2008 Nissan Sentra $128 $202 $468 $956
2007 Nissan Sentra $126 $198 $460 $942
2006 Nissan Sentra $124 $188 $452 $922
2005 Nissan Sentra $114 $180 $446 $898
2004 Nissan Sentra $110 $170 $442 $880

Rates are averaged for all Nissan Sentra models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for More Affordable Nissan Sentra Insurance

Finding cheaper rates on auto insurance takes not taking risks behind the wheel, having above-average credit, being claim-free, and qualifying for all possible discounts. Invest the time to shop around every couple of years by requesting quotes from direct insurance companies, and also from local insurance agencies.

The following is a summary of the material that was illustrated above.

  • Consumers who purchase higher liability limits will pay approximately $500 annually to raise limits from a 30/60 limit to a 250/500 level
  • Teens are the costliest to insure, possibly costing $412 each month if full coverage is included
  • Drivers who have multiple accidents or major violations may have to pay on average $1,500 more per year for Sentra insurance
  • Increasing comprehensive and collision deductibles could save as much as $425 each year

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.

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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
Vehicle TestedOverallFrontalSideRollover
2020 Nissan Sentra 4 DR FWDN/RN/RN/RN/R
2019 Nissan Sentra SR Turbo 4 DR FWDN/RN/R5 stars4 stars
2019 Nissan Sentra NISMO 4 DR FWDN/RN/RN/R4 stars
2019 Nissan Sentra 4 DR FWD4 stars4 stars5 stars4 stars
2018 Nissan Sentra Turbo 4 DR FWDN/RN/RN/RN/R
2018 Nissan Sentra NISMO 4 DR FWDN/RN/RN/R4 stars
2018 Nissan Sentra 4 DR FWD4 stars4 stars5 stars4 stars
2017 Nissan Sentra NISMO 4 DR FWDN/RN/RN/R4 stars
2017 Nissan Sentra 4 DR FWD4 stars4 stars5 stars4 stars
2016 Nissan Sentra 4 DR FWD4 stars4 stars5 stars4 stars

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
Insurance Coverage CategoryLoss Rate
Collision20%
Property Damage7%
Comprehensive-19%
Personal Injury58%
Medical Payment79%
Bodily Injury41%

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.

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

Rates by Driver Age

Nissan Sentra Insurance Rates by Driver Age
Driver Age Premium
16 $4,948
20 $2,958
30 $1,300
40 $1,258
50 $1,154
60 $1,134

Full coverage, $500 deductibles

Rates by Deductible

Nissan Sentra Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,548
$250 $1,412
$500 $1,258
$1,000 $1,112

Full coverage, driver age 40

Rates by Liability Limit

Nissan Sentra Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,258
50/100 $1,417
100/300 $1,531
250/500 $1,828
100 CSL $1,463
300 CSL $1,714
500 CSL $1,896

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan Sentra Insurance Rates for High Risk Drivers
Age Premium
16 $7,038
20 $4,724
30 $2,802
40 $2,758
50 $2,642
60 $2,620

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $182

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $66
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $91
5-yr Claim Free $82
Paid in Full/EFT $55
Advance Quote $62
Online Quote $88
Total Discounts $534
Rate after discounts $724

Discounts are estimated and may not be available from every company or in every state.

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