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2012 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 2012 Nissan Sentra are $1,208 a year for full coverage. Comprehensive costs approximately $190, collision costs $400, and liability coverage costs around $460. Buying a liability-only policy costs as low as $510 a year, with high-risk insurance costing around $2,640. Teenage drivers receive the highest rates at $4,778 a year or more.

Annual premium for full coverage: $1,208

Rate estimates for 2012 Nissan Sentra Insurance

Comprehensive $190
Collision $400
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2012 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 $510 for only liability insurance to a much higher rate of $2,640 for a driver that may need high-risk insurance.

Liability Only $510
Full Coverage $1,208
High Risk $2,640

View Chart as Image

2012 Nissan Sentra insurance rates compared
Column chart showing 2012 Nissan Sentra insurance prices range from $700 to $4,778 for full coverage

These differences show why anyone shopping for car insurance should compare prices using their specific location 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 2012 Nissan Sentra Insurance

Searching Companies

Trying to find better insurance coverage rates? Buyers have lots of choices when searching for affordable Nissan Sentra insurance. They can either waste time struggling with agents getting price quotes or save time using the internet to get rate quotes.

There is a better way to buy insurance coverage so we’re going to tell you the best way to get price quotes for a Nissan and locate the best price possible from local insurance agents and online providers.

This information will teach you the most effective way to quote insurance and some money-saving tips. If you currently have a car insurance policy, you will be able to save some money using this strategy. Drivers only need an understanding of the proper way to get comparison quotes over the internet.

Vehicle Insurance Comparison

Finding cheaper 2012 Nissan Sentra insurance prices isn’t really that difficult. All that’s required is to spend a few minutes on the computer to compare quotes online with multiple companies. This can be accomplished using a couple different methods.

Find the Cheapest Quotes in Your Area

Get multiple rate quotes instantly and find your cheapest rate

  1. The first (and easiest) way consumers can analyze rates is a comparison rater form (click to open form in new window). This easy form keeps you from doing separate quote forms for every insurance company. Completing one form will get you price quotes instantly. This is perfect if you don’t have a lot of time.
  2. Another way to analyze rates requires visiting each individual company website and complete a new quote form. For examples sake, we’ll assume you want to compare rates from USAA, 21st Century and Farmers. To get each rate you have to visit each site to enter your coverage information, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.
  3. The most time-consuming way of getting rate comparisons is to drive around to local insurance agencies. The internet has reduced the need for local agents unless you prefer the trained guidance of a licensed agent. However, consumers can compare the best prices online and still use a local agent and you’ll learn how to do that later.

Whichever method you choose, double check that you are using apples-to-apples coverages for each comparison quote. If you have mixed coverages it will be very difficult to truly determine the lowest rate.

Tailor your coverage to you

When choosing the right insurance coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s situation is a little different.

For example, these questions can help discover whether your personal situation might need an agent’s assistance.

  • I don’t drive much so do I pay less?
  • Is a blown tire covered by insurance?
  • Am I covered when driving someone else’s vehicle?
  • Should I have a commercial auto policy?
  • Can my teen driver be rated on a liability-only vehicle?
  • How can I get my company to pay me more for my totalled car?
  • Does having multiple vehicles earn me a discount?
  • Will my insurance pay for OEM parts?
  • How much liability do I need to cover my assets?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

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Car insurance coverages for a Nissan Sentra

Knowing the specifics of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for bills for things like chiropractic care, nursing services and hospital visits. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Coverage for liability

This coverage can cover damage or injury you incur to other’s property or people that is your fault. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property. Alternatively, you may have a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like medical expenses, pain and suffering and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Collision protection

This covers damage to your Sentra resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like sideswiping another vehicle, colliding with another moving vehicle, scraping a guard rail and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hail damage, a broken windshield, hitting a bird and rock chips in glass. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Protection from uninsured/underinsured drivers

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Nissan Sentra.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these coverages are similar to your liability insurance amounts.

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Rates by U.S. City

2012 Nissan Sentra Insurance Rates by City
City Premium
New York City, NY $1,911
Los Angeles, CA $2,064
Philadelphia, PA $1,616
Jacksonville, FL $1,754
Phoenix, AZ $1,406
Chicago, IL $1,620
Houston, TX $1,895
Seattle, WA $1,179
Columbus, OH $1,012
Indianapolis, IN $1,028

Need a specific model?

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Rates by Driver Age

2012 Nissan Sentra Insurance Rates by Driver Age
Driver Age Premium
16 $4,778
20 $2,830
30 $1,246
40 $1,208
50 $1,110
60 $1,088

Full coverage, $500 deductibles

Rates by Deductible

2012 Nissan Sentra Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,470
$250 $1,348
$500 $1,208
$1,000 $1,074

Full coverage, driver age 40

Rates by Liability Limit

Nissan Sentra Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,208
50/100 $1,300
100/300 $1,415
250/500 $1,714
100 CSL $1,346
300 CSL $1,599
500 CSL $1,783

Full coverage, driver age 40

Rates for High Risk Drivers

2012 Nissan Sentra Insurance Rates for High Risk Drivers
Age Premium
16 $6,782
20 $4,518
30 $2,682
40 $2,640
50 $2,530
60 $2,508

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 $173

Potential Rate Discounts

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

Discount Savings
Multi-policy $63
Multi-vehicle $67
Homeowner $20
5-yr Accident Free $85
5-yr Claim Free $78
Paid in Full/EFT $52
Advance Quote $59
Online Quote $84
Total Discounts $508
Rate after discounts $700

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

Find companies with the cheapest rates in your area

2012 Nissan Sentra Insurance Rates by State
State Premium
Alabama $1,094
Alaska $928
Arizona $1,004
Arkansas $1,208
California $1,376
Colorado $1,156
Connecticut $1,244
Delaware $1,370
Florida $1,512
Georgia $1,116
Hawaii $868
Idaho $818
Illinois $900
Indiana $910
Iowa $814
Kansas $1,148
Kentucky $1,650
Louisiana $1,790
Maine $748
Maryland $998
Massachusetts $968
Michigan $2,100
Minnesota $1,014
Mississippi $1,448
Missouri $1,072
Montana $1,298
Nebraska $954
Nevada $1,450
New Hampshire $872
New Jersey $1,352
New Mexico $1,070
New York $1,274
North Carolina $696
North Dakota $990
Ohio $836
Oklahoma $1,244
Oregon $1,108
Pennsylvania $1,154
Rhode Island $1,614
South Carolina $1,094
South Dakota $1,020
Tennessee $1,058
Texas $1,458
Utah $894
Vermont $828
Virginia $724
Washington $936
West Virginia $1,108
Wisconsin $838
Wyoming $1,078

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