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1991 Nissan Sentra Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 30, 2020

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Average insurance rates for a 1991 Nissan Sentra are $880 a year including full coverage. Comprehensive insurance costs around $110 a year, collision insurance costs $170, and liability costs $442. Buying a liability-only policy costs as little as $496 a year, and high-risk insurance costs $1,904 or more. Teenage drivers receive the highest rates at up to $3,674 a year.

Annual premium for full coverage: $880

Rate estimates for 1991 Nissan Sentra Insurance

Comprehensive $110
Collision $170
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 1991 Nissan Sentra models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For the average driver, prices range range from as low as $496 for a discount liability-only rate to a high of $1,904 for a driver that may need high-risk insurance.

Liability Only $496
Full Coverage $880
High Risk $1,904

View Chart as Image

1991 Nissan Sentra insurance rates compared
Column chart showing 1991 Nissan Sentra insurance prices range from $541 to $3,674 for full coverage

These differences highlight why it is important for drivers to compare rates for a specific zip code and risk profile, instead of making a decision based on average rates.

Use the form below to get rates for your location.

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

Recommended Companies for Cheap 1991 Nissan Sentra Insurance

Searching Companies

Drivers have a choice when trying to find the lowest priced Nissan Sentra insurance. They can either waste time contacting agents getting price quotes or use the internet to make rate comparisons. There is a right way and a wrong way to shop for auto insurance and you need to know the quickest way to quote coverages for a new or used Nissan and find the best price possible.

You should make it a habit to get comparison quotes yearly since insurance rates are usually higher with each renewal. Despite the fact that you may have had the lowest price on Sentra coverage last year there is a good chance you can find better rates now. Starting now, forget anything you know (or think you know) about auto insurance because you’re about to learn the best way to reduce your cost while increasing coverage.

The quickest method we recommend to compare insurance rates from multiple companies takes advantage of the fact auto insurance companies pay for the opportunity to provide you with free rate quotes. The only thing you need to do is give them some information such as an estimate of your credit level, daily mileage, whether you are single or married, and if you lease or own. Those rating factors gets sent immediately to multiple insurance providers and they return quotes instantly.

Get lower rates on 1991 Nissan Sentra insurance

Auto insurance companies do not list all available discounts very clearly, so we took the time to find both the well known as well as the least known auto insurance savings. If you’re not getting every credit you qualify for, you are throwing money away.

  • Service Members Pay Less – Being deployed with a military unit may qualify for rate reductions.
  • Government Employees – Active or retired federal employment may qualify you for a discount on Sentra coverage with a few auto insurance companies.
  • Homeowners Pay Less – Owning a home may trigger a auto insurance policy discount because maintaining a house shows financial diligence.
  • Auto/Life Discount – Some companies give better rates if you take out life insurance from them.
  • Paperless Signup – A handful of insurance companies may give you up to $50 simply for signing over the internet.
  • Low Mileage – Keeping the miles down on your Nissan could qualify for lower rates on the low mileage vehicles.
  • Bundle and Save – If you have multiple policies with the same insurance company you could get a discount of approximately 10% to 15%.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.

A little note about advertised discounts, most credits do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, auto insurance companies aren’t that generous.

For a list of insurers with the best auto insurance discounts, click this link.

Tailor your coverage to you

When it comes to buying the best car insurance coverage, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that could help you determine if your insurance needs will benefit from professional help.

  • Am I covered if I hit my neighbor’s mailbox?
  • Do I need added coverage for expensive stereo equipment?
  • Do I have coverage for damage caused while driving under the influence?
  • When can my company non-renew my policy?
  • Do I have coverage when pulling a U-Haul trailer?
  • Am I better off with higher deductibles on my 1991 Nissan Sentra?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I need more liability coverage?
  • Do I need replacement cost coverage on my 1991 Nissan Sentra?
  • When would I need rental car insurance?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and may give you better protection.

Free Auto Insurance Comparison

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

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Insurance coverage considerations

Learning about specific coverages of insurance helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Comprehensive protection

This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hail damage, a tree branch falling on your vehicle, fire damage and damage from flooding. The maximum payout your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills such as pain medications, funeral costs, chiropractic care and nursing services. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your 1991 Nissan Sentra.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for collisions

Collision insurance covers damage to your Sentra resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like hitting a mailbox, crashing into a ditch and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Liability insurance

Liability coverage can cover damages or injuries you inflict on other people or property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things such as court costs, medical expenses, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Use our FREE quote tool to compare rates now!

Rates by U.S. City

1991 Nissan Sentra Insurance Rates by City
City Premium
New York City, NY $1,395
Los Angeles, CA $1,503
Philadelphia, PA $1,176
Jacksonville, FL $1,276
Phoenix, AZ $1,025
Chicago, IL $1,181
Houston, TX $1,381
Seattle, WA $859
Columbus, OH $738
Indianapolis, IN $748

Need a specific model?

Choose your model and trim below

Rates by Driver Age

1991 Nissan Sentra Insurance Rates by Driver Age
Driver Age Premium
16 $3,674
20 $2,040
30 $890
40 $880
50 $812
60 $796

Full coverage, $500 deductibles

Rates by Deductible

1991 Nissan Sentra Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,002
$250 $946
$500 $880
$1,000 $816

Full coverage, driver age 40

Rates by Liability Limit

Nissan Sentra Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $880
50/100 $968
100/300 $1,079
250/500 $1,366
100 CSL $1,013
300 CSL $1,256
500 CSL $1,433

Full coverage, driver age 40

Rates for High Risk Drivers

1991 Nissan Sentra Insurance Rates for High Risk Drivers
Age Premium
16 $5,154
20 $3,250
30 $1,912
40 $1,904
50 $1,824
60 $1,806

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 $119

Potential Rate Discounts

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

Discount Savings
Multi-policy $43
Multi-vehicle $48
Homeowner $16
5-yr Accident Free $52
5-yr Claim Free $54
Paid in Full/EFT $30
Advance Quote $38
Online Quote $58
Total Discounts $339
Rate after discounts $541

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

Find companies with the cheapest rates in your area

1991 Nissan Sentra Insurance Rates by State
State Premium
Alabama $798
Alaska $676
Arizona $732
Arkansas $880
California $1,002
Colorado $840
Connecticut $906
Delaware $996
Florida $1,100
Georgia $814
Hawaii $632
Idaho $596
Illinois $656
Indiana $662
Iowa $594
Kansas $838
Kentucky $1,202
Louisiana $1,304
Maine $544
Maryland $726
Massachusetts $706
Michigan $1,530
Minnesota $736
Mississippi $1,056
Missouri $782
Montana $948
Nebraska $694
Nevada $1,056
New Hampshire $632
New Jersey $984
New Mexico $780
New York $930
North Carolina $508
North Dakota $722
Ohio $610
Oklahoma $904
Oregon $806
Pennsylvania $840
Rhode Island $1,176
South Carolina $798
South Dakota $744
Tennessee $774
Texas $1,062
Utah $654
Vermont $602
Virginia $528
Washington $682
West Virginia $806
Wisconsin $610
Wyoming $786

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