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2010 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 2010 Nissan Sentra are $1,140 a year for full coverage. Comprehensive insurance costs on average $172 each year, collision insurance costs $346, and liability costs around $464. Buying a liability-only policy costs as low as $514 a year, and high-risk insurance costs $2,488 or more. Teen drivers receive the highest rates at up to $4,554 a year.

Annual premium for full coverage: $1,140

Rate estimates for 2010 Nissan Sentra Insurance

Comprehensive $172
Collision $346
Liability $464

Rate data is compiled from all 50 U.S. states and averaged for all 2010 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 a middle-aged driver, prices range range from as low as $514 for just liability insurance to a high rate of $2,488 for a high risk driver.

Liability Only $514
Full Coverage $1,140
High Risk $2,488

View Chart as Image

2010 Nissan Sentra insurance rates compared
Column chart showing 2010 Nissan Sentra insurance prices range from $668 to $4,554 for full coverage

These differences show why all drivers should compare prices based on a specific location and risk profile, instead of making a decision based on price averages.

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 2010 Nissan Sentra Insurance

Searching Companies

Searching for the cheapest insurance rates for your Nissan Sentra? Locating the cheapest insurance for a new or used Nissan Sentra can be a painful process, but you can learn a few tricks to save time. There are more efficient ways to buy insurance so you’re going to learn the best way to price shop coverage for a new or used Nissan and locate the cheapest rates from both online companies and local agents.

You should make it a habit to do rate comparisons occasionally because insurance rates are constantly changing. Just because you found the best rates on Sentra coverage a couple years back you can probably find a better price now. Starting now, forget all the misinformation about insurance because it’s time to teach you the quickest way to reduce your cost while increasing coverage.

If you have a current car insurance policy or need new coverage, you can follow these tips to reduce the price you pay while maintaining coverages. Locating affordable car insurance coverage is not that difficult. Drivers only need to know how to get comparison rates online.

Discounts are basically free money

Auto insurance companies don’t always list all their discounts very well, so the following is a list of both the well known and the more hidden savings tricks you should be using. If you don’t get every credit possible, you’re just leaving money on the table.

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  • Anti-theft System – Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Government Employees – Simply working for the federal government may qualify you for a discount on Sentra coverage with certain companies.
  • Service Members Pay Less – Having a deployed family member could be rewarded with lower premiums.
  • College Student – Any of your kids who attend school more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • Club Memberships – Participating in a professional or civic organization may earn a discount on car insurance on Sentra coverage.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Nissan could be rewarded with lower rates on the low mileage vehicles.
  • Save with a New Car – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.

As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Some only reduce individual premiums such as collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, companies don’t profit that way.

Insurance companies that may have some of the above discounts include:

It’s a good idea to ask all companies you are considering which discounts they offer. Some discounts may not apply everywhere.

Which insurance is the “right” coverage?

When buying coverage, there isn’t really a cookie cutter policy. Each situation is unique.

Here are some questions about coverages that may help you determine whether your personal situation might need an agent’s assistance.

  • Is my Nissan Sentra covered if I use it for business?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I covered by my spouse’s policy after a separation?
  • Do I need more liability coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • When should my teen driver be added to my policy?
  • Is extra glass coverage worth it?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

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Insurance coverages and their meanings

Learning about specific coverages of a insurance policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision) – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like rock chips in glass, damage from flooding, damage from a tornado or hurricane, a tree branch falling on your vehicle and hail damage. The most your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as funeral costs, doctor visits, surgery, nursing services and EMT expenses. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision – This pays for damage to your Sentra caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as damaging your car on a curb, hitting a parking meter, backing into a parked car, sustaining damage from a pot hole and crashing into a building. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Coverage for liability – Liability insurance provides protection from damage or injury you incur to other people or property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against claims like pain and suffering, funeral expenses and court costs. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Protection from uninsured/underinsured drivers – This provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Be a Smart Shopper

People switch companies for a number of reasons such as lack of trust in their agent, policy cancellation, questionable increases in premium and even delays in paying claims. It doesn’t matter why you want to switch finding a great new company is pretty easy and you might even save some money in the process.

Discount 2010 Nissan Sentra insurance can be bought from both online companies as well as from independent agents, so you should compare both in order to have the best price selection to choose from. Some auto insurance companies don’t offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

When buying insurance coverage, do not skimp on critical coverages to save a buck or two. In too many instances, an insured cut liability limits or collision coverage only to regret that they should have had better coverage. Your strategy should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

More tips and info about auto insurance can be read in these articles:

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Rates by U.S. City

2010 Nissan Sentra Insurance Rates by City
City Premium
New York City, NY $1,800
Los Angeles, CA $1,950
Philadelphia, PA $1,523
Jacksonville, FL $1,654
Phoenix, AZ $1,324
Chicago, IL $1,530
Houston, TX $1,786
Seattle, WA $1,109
Columbus, OH $951
Indianapolis, IN $970

Need a specific model?

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Rates by Driver Age

2010 Nissan Sentra Insurance Rates by Driver Age
Driver Age Premium
16 $4,554
20 $2,662
30 $1,168
40 $1,140
50 $1,048
60 $1,028

Full coverage, $500 deductibles

Rates by Deductible

2010 Nissan Sentra Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,370
$250 $1,262
$500 $1,140
$1,000 $1,022

Full coverage, driver age 40

Rates by Liability Limit

Nissan Sentra Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,140
50/100 $1,233
100/300 $1,349
250/500 $1,650
100 CSL $1,279
300 CSL $1,534
500 CSL $1,720

Full coverage, driver age 40

Rates for High Risk Drivers

2010 Nissan Sentra Insurance Rates for High Risk Drivers
Age Premium
16 $6,450
20 $4,248
30 $2,520
40 $2,488
50 $2,380
60 $2,360

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 $161

Potential Rate Discounts

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

Discount Savings
Multi-policy $59
Multi-vehicle $63
Homeowner $19
5-yr Accident Free $78
5-yr Claim Free $73
Paid in Full/EFT $47
Advance Quote $54
Online Quote $79
Total Discounts $472
Rate after discounts $668

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

Find companies with the cheapest rates in your area

2010 Nissan Sentra Insurance Rates by State
State Premium
Alabama $1,032
Alaska $874
Arizona $946
Arkansas $1,140
California $1,300
Colorado $1,090
Connecticut $1,172
Delaware $1,290
Florida $1,426
Georgia $1,050
Hawaii $820
Idaho $770
Illinois $850
Indiana $858
Iowa $770
Kansas $1,084
Kentucky $1,556
Louisiana $1,688
Maine $704
Maryland $940
Massachusetts $914
Michigan $1,980
Minnesota $954
Mississippi $1,366
Missouri $1,010
Montana $1,224
Nebraska $900
Nevada $1,366
New Hampshire $820
New Jersey $1,274
New Mexico $1,010
New York $1,200
North Carolina $656
North Dakota $932
Ohio $786
Oklahoma $1,170
Oregon $1,044
Pennsylvania $1,088
Rhode Island $1,520
South Carolina $1,032
South Dakota $962
Tennessee $998
Texas $1,374
Utah $846
Vermont $782
Virginia $682
Washington $880
West Virginia $1,044
Wisconsin $788
Wyoming $1,016

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