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2000 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 2000 Nissan Sentra are $880 a year for full coverage. Comprehensive insurance costs an estimated $110 each year, collision costs $170, and liability costs around $442. Buying a liability-only policy costs as low as $496 a year, with high-risk insurance costing $1,904 or more. Teenage drivers receive the highest rates at $3,674 a year or more.

Annual premium for full coverage: $880

Rate estimates for 2000 Nissan Sentra Insurance

Comprehensive $110
Collision $170
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 2000 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 go from as low as $496 for a discount liability-only rate to a high rate 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

2000 Nissan Sentra insurance rates compared
Column chart showing 2000 Nissan Sentra insurance prices range from $541 to $3,674 for full coverage

These differences show why all drivers should compare prices for a targeted area and risk profile, instead of using 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 2000 Nissan Sentra Insurance

Searching Companies

Searching for better insurance rates for your Nissan Sentra? Locating better insurance prices for a Nissan Sentra could be difficult, but you can learn the following methods to save time. There are both good and bad ways to compare insurance rates so you’re going to learn the best way to get price quotes on a Nissan and get the lowest price either online or from local insurance agents.

If you are insured now or are looking for a new policy, you can use this information to get lower rates while maintaining coverages. Pricing more affordable insurance coverage is not that difficult. Consumers just need to understand the proper way to shop online.

How to Compare Car Insurance Rates

Shopping for lower car insurance rates can be a lot of work if you don’t know the most efficient way. You could waste time talking about coverages with agents in your area, or you can stay home and use the internet to get rates in a matter of minutes.

Most of the best insurance companies are enrolled in a marketplace where insurance shoppers enter their policy data once, and at least one company returns a competitive quote based on that information. This saves time by eliminating form submissions to every company.

To submit your quote information now, click here to start a free quote.

One minor caviat to using this type of system is buyers cannot specifically choose which providers you will receive quotes from. So if you want to choose specific providers to compare rates, we put together a list of companies who write car insurance in your area. Click to view list.

However you get your quotes, ensure you’re using apples-to-apples coverages for every company. If your comparisons have higher or lower deductibles you can’t possibly determine the lowest rate for your Nissan Sentra.

Don’t overlook these discounts

Car insurance companies don’t always list all available discounts in an easy-to-find place, so the following is a list of some of the more common and the more hidden discounts you could be receiving. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

  • Accident Free – Claim-free drivers pay much less as compared to frequent claim filers.
  • Senior Citizens – Mature drivers may receive reduced rates for Sentra coverage.
  • Student in College – Any of your kids living away from home attending college and don’t have a car may qualify for this discount.
  • Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts can qualify for discounts of up to 25% or more.
  • Discount for New Cars – Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
  • Discount for Swiching Early – Some companies give discounts for buying a policy before your current expiration date. The savings is around 10%.
  • Payment Discounts – If paying your policy premium upfront instead of paying each month you can actually save on your bill.
  • Drive Less and Save – Keeping the miles down on your Nissan could qualify for better rates on cars that stay parked.
  • Theft Prevention Discount – Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.
  • Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts could cut 10% or more off your medical payments premium.

It’s important to understand that most discount credits are not given to the entire policy premium. Most only cut the cost of specific coverages such as comp or med pay. So even though it sounds like all those discounts means the company will pay you, you’re out of luck.

Car insurance companies that may have some of the above discounts may include but are not limited to:

Before buying, ask every prospective company what discounts are available to you. All car insurance discounts might not apply in your state.

Free Auto Insurance Comparison

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

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Is my situation unique?

When choosing adequate coverage, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.

Here are some questions about coverages that might help in determining whether your personal situation will benefit from professional help.

  • Does my policy cover me when driving someone else’s vehicle?
  • Am I covered if I crash into my own garage door?
  • Does coverage extend to my business vehicle?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Is a blown tire covered by insurance?
  • Am I covered if I hit a deer?
  • Does my 2000 Nissan Sentra need full coverage?
  • Should I get collision insurance on every vehicle?
  • Are my friends covered when driving my car?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and may give you better protection.

Lesser-known factors impacting Nissan Sentra insurance rates

It’s important that you understand the rating factors that come into play when calculating your insurance rates. Knowing what influences your rates empowers consumers to make smart changes that will entitle you to lower insurance prices.

  • Increase deductibles and save – The deductibles define the amount you are required to spend out-of-pocket before your insurance pays a claim. Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. A few examples of covered claims could be running into the backend of another car, vandalism, and burglary. The higher the amount you have to pay, the lower your rates will be for Sentra coverage.
  • Safer occupants lowers premiums – Safer cars tend to have better insurance rates. The safest vehicles have better occupant injury protection and any reduction in injury severity means lower claim amounts passed on to you as lower rates. If the Nissan Sentra scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Liability coverage is peace of mind – The liability section of your policy provides coverage if ever you are found to be at fault for personal injury or accident damage. Liability insurance provides for a legal defense starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Where you live can impact rates – Being located in a rural area can save you money when insuring your vehicles. Lower population means reduced accidents as well as less vandalism and auto theft. Drivers who live in large cities regularly have traffic congestion and a longer drive to work. Higher commute times translates into higher accident risk.
  • Small claims can cost you – If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Companies give discounts to drivers who do not rely on their insurance for small claims. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Never allow your policy to lapse – Driving your car without having proper coverage is a misdemeanor and insurance companies will penalize you for letting your coverage lapse. And not only will insurance be more expensive, but not being able to provide proof of insurance will get you a hefty fine and possibly a revoked license.

Ads can be misleading

Consumers can’t ignore all the ads that promise big savings by GEICO, State Farm and Progressive. All the ads make an identical promise of big savings after switching to their company.

How can each company make almost identical claims? This is how they do it.

Insurance companies have a certain “appetite” for the driver that earns them a profit. For example, a driver they prefer might be profiled as between the ages of 40 and 55, has no prior claims, and drives less than 10,000 miles a year. A customer getting a price quote that hits that “sweet spot” gets the lowest rates and is almost guaranteed to save when switching.

Consumers who don’t meet these standards will be quoted higher rates which leads to business going elsewhere. The ad wording is “customers that switch” not “everybody who quotes” save that much money. That is how insurance companies can advertise the way they do. This emphasizes why you should compare as many rates as you can. It’s not possible to predict which insurance coverage company will give you the biggest savings on Nissan Sentra insurance.

Car insurance coverages explained

Understanding the coverages of your car insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Nissan Sentra.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as chiropractic care, rehabilitation expenses and dental work. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Auto liability insurance

Liability insurance can cover injuries or damage you cause to other’s property or people. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage protects against claims such as structural damage, medical expenses, loss of income, pain and suffering and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Coverage for collisions

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like backing into a parked car, rolling your car and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

This covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from getting keyed, damage from flooding and hail damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Best coverage at the best price

People change insurance companies for many reasons like policy cancellation, not issuing a premium refund, lack of trust in their agent or even delays in paying claims. Whatever your reason, switching insurance coverage companies can be pretty painless.

We just covered a lot of information how to lower your 2000 Nissan Sentra insurance rates. The key concept to understand is the more you quote, the better your comparison will be. Consumers may even find the lowest premiums are with a small local company.

Discount insurance is attainable both online and also from your neighborhood agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance coverage companies may not provide online quoting and these small, regional companies work with independent agents.

More tips and info about insurance coverage can be read at these sites:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2000 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

2000 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

2000 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

2000 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

2000 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

Free Auto Insurance Comparison

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

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