2013 Nissan Sentra Insurance Rates
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UPDATED: Mar 30, 2020
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Average insurance rates for a 2013 Nissan Sentra are $1,258 a year with full coverage. Comprehensive insurance costs on average $198, collision costs $446, and liability insurance costs around $456. Buying a liability-only policy costs as low as $508 a year, with high-risk insurance costing $2,758 or more. Teenage drivers receive the highest rates at $4,948 a year or more.
Annual premium for full coverage: $1,258
Rate estimates for 2013 Nissan Sentra Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2013 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 $508 for the bare minimum liability coverage to the much higher price of $2,758 for a driver that may need high-risk insurance.
These differences demonstrate why everyone should compare prices based on a specific location and risk profile, rather than relying 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 2013 Nissan Sentra Insurance
Searching for the cheapest insurance rates for your Nissan Sentra? Finding affordable insurance is challenging for beginners to comparison shopping online. Drivers have so many choices that it can easily become a challenge to locate the lowest price.
Cut your premium with discounts
Insuring your fleet can be pricey, but discounts can save money and there are some available to help offset the cost. Some trigger automatically when you quote, but a few must be specially asked for prior to getting the savings.
- Good Student – A discount for being a good student can get you a discount of up to 25%. The discount lasts up until you turn 25.
- Multiple Policy Discount – When you have multiple policies with one insurance company you will save up to 20% off your total premium.
- Seat Belts Save more than Lives – Buckling up and requiring all passengers to use their safety belts can save up to 15% off the personal injury premium cost.
- Defensive Driving Course – Taking part in a driver safety course could possibly earn you a 5% discount if you qualify.
- Homeowners Discount – Simply owning a home can help you save on insurance because maintaining a house requires personal responsibility.
As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like it’s possible to get free car insurance, it just doesn’t work that way. But all discounts will reduce your premiums.
For a list of insurers who offer insurance discounts, click this link.
Find the Cheapest Quotes in Your Area
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Car Insurance Quote Comparison
Most major insurance companies give insurance quotes directly from their websites. Getting online rates is pretty easy as you simply enter your personal and coverage information as requested by the quote form. After you submit the form their rating system requests reports for credit and driving violations and generates a price based on these factors.
Online quotes simplifies rate comparisons, but the time required to go to different websites and complete many quote forms is monotonous and tiresome. But it is imperative to do this in order to get better prices.
There is a better way!
A quicker way to locate the lowest prices uses one simple form to obtain quotes from several companies at one time. This type of form saves time, reduces the work, and makes price shopping online much easier to do. As soon as you send your information, your coverage is rated with multiple companies and you can pick any one of the quote results.
If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the new coverage. The entire process can be completed in a matter of minutes and you will know how your current rates stack up.
To find out how much you can save on car insurance, click here to open in new window and enter your information. If you currently have coverage, we recommend you complete the form with the coverage information as shown on your current policy. Doing this assures you will have a price comparison based on identical coverages.
What is the best insurance coverage?
When it comes to buying adequate coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is a little different.
These are some specific questions may help you determine whether or not you will benefit from professional help.
- Does my car insurance cover rental cars?
- Can my teen drive my company car?
- Where can I get insurance after a DUI in my state?
- Should I have combined single limit or split liability limits?
- Am I missing any policy discounts?
- Is my vehicle covered by my employer’s policy when using it for work?
- Are my tools covered if they get stolen from my vehicle?
- Which companies will insure high-risk drivers?
- Why does it cost so much to insure a teen driver?
If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form.
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Car insurance coverages explained
Knowing the specifics of your policy helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Nissan Sentra.
Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.
Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for things like sustaining damage from a pot hole, damaging your car on a curb and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.
This protects you from damage that occurs to other people or property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.
Liability insurance covers things like funeral expenses, court costs and legal defense fees. How much liability should you purchase? That is up to you, but buy as large an amount as possible.
Comprehensive auto coverage
Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.
Comprehensive insurance covers claims like a tree branch falling on your vehicle, falling objects and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Medical payments and PIP coverage
Med pay and PIP coverage kick in for expenses for nursing services, pain medications, doctor visits and surgery. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage
Have money to burn
We just covered some good ideas how you can save on 2013 Nissan Sentra insurance. The most important thing to understand is the more you quote, the better likelihood of reducing your rate. Drivers may discover the best price on insurance is with the least-expected company.
People change insurance companies for any number of reasons including poor customer service, delays in responding to claim requests, delays in paying claims and lack of trust in their agent. No matter why you want to switch, finding a great new company is easier than you think.
While you’re price shopping online, do not sacrifice coverage to reduce premiums. In many instances, an insured dropped physical damage coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.
- Collision Insurance Coverage (Nationwide)
- Airbag FAQ (iihs.org)
- Side Impact Crash Tests (iihs.org)
- Rental Reimbursement Coverage (Allstate)
- Preventing Carjacking and Theft (Insurance Information Insitute)
Rates by U.S. City
|New York City, NY||$1,992|
|Los Angeles, CA||$2,154|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$91|
|5-yr Claim Free||$82|
|Paid in Full/EFT||$55|
Discounts are estimated and may not be available from every company or in every state.