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2008 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...

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UPDATED: Mar 30, 2020

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Average insurance rates for a 2008 Nissan Sentra are $1,088 a year with full coverage. Comprehensive costs around $156 each year, collision costs $300, and liability coverage costs around $474. Buying a liability-only policy costs as low as $522 a year, with high-risk insurance costing around $2,368. Teenage drivers receive the highest rates at $4,390 a year or more.

Annual premium for full coverage: $1,088

Rate estimates for 2008 Nissan Sentra Insurance

Comprehensive $156
Collision $300
Liability $474

Rate data is compiled from all 50 U.S. states and averaged for all 2008 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 $522 for the bare minimum liability coverage to a high rate of $2,368 for a driver that may need high-risk insurance.

Liability Only $522
Full Coverage $1,088
High Risk $2,368

View Chart as Image

2008 Nissan Sentra insurance rates compared
Column chart showing 2008 Nissan Sentra insurance prices range from $643 to $4,390 for full coverage

These differences demonstrate why all drivers should compare prices for a specific zip code and risk profile, rather than 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 2008 Nissan Sentra Insurance

Searching Companies

Looking for the cheapest car insurance rates for your Nissan Sentra? Finding lower rates for car insurance is always hard for people who are new to comparing rates online. There are so many companies to choose from that it can quickly become more work than you anticipated to find the best price.

It’s smart to price shop coverage periodically due to the fact that insurance rates are usually higher with each renewal. Just because you found the lowest rates on Sentra coverage on your last policy the chances are good that you can find a lower rate today. Forget all the misinformation about car insurance because you’re about to learn the proper way to reduce your cost while improving coverage.

Comprehensive Car Insurance Comparison Quotes

Comparing car insurance rates can be challenging if you don’t understand the fastest way to get free quotes. You could spend your day talking about coverages with local insurance agents in your area, or you could use the web to maximize your effort.

All the larger companies participate in a marketplace that allows shoppers to complete one form, and every company returns a competitive quote based on the submitted data. This eliminates the need for quotation requests to each individual car insurance company.

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The only drawback to using this type of system is buyers cannot specifically choose the providers to get quotes from. If you wish to select specific providers to compare prices, we have a listing of companies who write car insurance in your area. Click to view list.

It’s up to you which method you use, but ensure you’re using exactly the same coverage limits and deductibles with every price quote. If your comparisons have mixed coverages it’s impossible to determine which rate is truly the best. Having just a slight variation in limits can result in a big premium difference. Just remember that obtaining a wide range of quotes helps you find lower pricing.

Is my situation unique?

When it comes to buying proper insurance coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s situation is a little different.

These are some specific questions may help you determine whether your personal situation could use an agent’s help.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I covered if I wreck a rental car?
  • What is the minimum liability in my state?
  • What are the financial responsibility laws in my state?
  • How can I find cheaper teen driver insurance?
  • Does insurance cover damages from a DUI accident?
  • How can I force my company to pay a claim?
  • If my pet gets injured in an accident are they covered?
  • Is my 2008 Nissan Sentra covered for flood damage?
  • Do I have coverage for damage caused while driving under the influence?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

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Coverages available on your auto insurance policy

Knowing the specifics of your policy helps when choosing the right 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.

UM/UIM Coverage

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2008 Nissan Sentra.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Most of the time these coverages do not exceed the liability coverage limits.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, a tree branch falling on your vehicle, a broken windshield, damage from flooding and hitting a bird. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability car insurance

This coverage will cover damage that occurs to a person or their property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things like medical services, funeral expenses, bail bonds, repair costs for stationary objects and attorney fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Auto collision coverage

This covers damage to your Sentra caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as hitting a parking meter, crashing into a building, driving through your garage door, crashing into a ditch and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as prosthetic devices, surgery and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers you and your occupants in addition to being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

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Rates by U.S. City

2008 Nissan Sentra Insurance Rates by City
City Premium
New York City, NY $1,719
Los Angeles, CA $1,857
Philadelphia, PA $1,453
Jacksonville, FL $1,578
Phoenix, AZ $1,260
Chicago, IL $1,458
Houston, TX $1,700
Seattle, WA $1,061
Columbus, OH $908
Indianapolis, IN $922

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Rates by Driver Age

2008 Nissan Sentra Insurance Rates by Driver Age
Driver Age Premium
16 $4,390
20 $2,530
30 $1,110
40 $1,088
50 $996
60 $978

Full coverage, $500 deductibles

Rates by Deductible

2008 Nissan Sentra Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,286
$250 $1,194
$500 $1,088
$1,000 $984

Full coverage, driver age 40

Rates by Liability Limit

Nissan Sentra Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,088
50/100 $1,183
100/300 $1,301
250/500 $1,609
100 CSL $1,230
300 CSL $1,491
500 CSL $1,681

Full coverage, driver age 40

Rates for High Risk Drivers

2008 Nissan Sentra Insurance Rates for High Risk Drivers
Age Premium
16 $6,208
20 $4,044
30 $2,392
40 $2,368
50 $2,268
60 $2,246

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 $153

Potential Rate Discounts

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

Discount Savings
Multi-policy $56
Multi-vehicle $60
Homeowner $19
5-yr Accident Free $72
5-yr Claim Free $70
Paid in Full/EFT $43
Advance Quote $51
Online Quote $74
Total Discounts $445
Rate after discounts $643

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

Find companies with the cheapest rates in your area

2008 Nissan Sentra Insurance Rates by State
State Premium
Alabama $982
Alaska $832
Arizona $900
Arkansas $1,088
California $1,238
Colorado $1,038
Connecticut $1,118
Delaware $1,230
Florida $1,360
Georgia $1,002
Hawaii $780
Idaho $734
Illinois $810
Indiana $816
Iowa $732
Kansas $1,034
Kentucky $1,482
Louisiana $1,608
Maine $670
Maryland $894
Massachusetts $870
Michigan $1,888
Minnesota $908
Mississippi $1,300
Missouri $964
Montana $1,166
Nebraska $856
Nevada $1,302
New Hampshire $782
New Jersey $1,214
New Mexico $964
New York $1,146
North Carolina $626
North Dakota $888
Ohio $750
Oklahoma $1,118
Oregon $994
Pennsylvania $1,038
Rhode Island $1,448
South Carolina $984
South Dakota $916
Tennessee $952
Texas $1,308
Utah $804
Vermont $744
Virginia $652
Washington $842
West Virginia $994
Wisconsin $754
Wyoming $968

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