2020 Nissan Sentra Insurance Rates
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UPDATED: Apr 9, 2020
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Average insurance rates for a 2020 Nissan Sentra are $1,390 a year including full coverage. Comprehensive insurance costs approximately $266, collision insurance costs $594, and liability coverage costs around $372. Buying a liability-only policy costs as low as $438 a year, and high-risk insurance costs $3,038 or more. Teen drivers receive the highest rates at up to $5,234 a year.
Annual premium for full coverage: $1,390
Rate estimates for 2020 Nissan Sentra Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2020 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 driver in their 40's, prices range range from as low as $438 for a discount liability-only rate to the much higher price of $3,038 for a driver who has had serious violations or accidents.
These differences highlight why everyone should compare prices using their specific location and risk profile, rather than using 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 2020 Nissan Sentra Insurance
Buyers have many options when searching for affordable Nissan Sentra insurance. You can either waste hours contacting agents to compare prices or utilize the internet to get rate quotes. There are more efficient ways to compare insurance rates so we’re going to tell you the quickest way to compare rates for a Nissan and obtain the cheapest rates from both online companies and local agents.
More affordable rates by earning discounts
Insurance can be prohibitively expensive, but you might already qualify for some discounts that many consumers don’t even know exist. Some of these disounts will be visible when you get a quote, but less common discounts must be manually applied in order for you to get them.
- Bundle and Save – If you can bundle your auto and home insurance and insure them both with the same insurance company you may earn as much as 10 to 15 percent.
- Early Signing – Select insurance companies give a discount for switching companies prior to the expiration date on your current policy. It can save you around 10%.
- Anti-lock Brake Discount – Cars equipped with ABS or steering control can reduce accidents and the ABS can save up to 10%.
- Multiple Cars – Buying insurance for multiple cars or trucks on one policy can reduce rates for all insured vehicles.
- Employee of Federal Government – Having worked for a branch of the government can save as much as 8% for Sentra insurance depending on your insurance coverage provider.
- Safety Course Discount – Passing a course in driver safety could earn you a small percentage discount and easily recoup the cost of the course.
As is typical with insurance, some of the credits will not apply to the overall cost of the policy. Some only reduce specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like you could get a free insurance coverage policy, you won’t be that lucky.
Car insurance companies that may offer policyholders some of the discounts shown above include:
Find the Cheapest Quotes in Your Area
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When getting a coverage quote, ask all companies you are considering to give you their best rates. Some discounts listed above may not be offered in your area. To view providers with the best insurance coverage discounts, enter your zip code here.
Your auto insurance coverage should be tailored to you
When it comes to choosing proper insurance coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.
Here are some questions about coverages that can aid in determining whether or not you will benefit from professional help.
- Why am I required to get a high-risk car insurance policy?
- Does my insurance cover damage caused when ticketed for reckless driving?
- Do I pay less if my vehicle is kept in my garage?
- Is my dog or cat covered if injured in an accident?
- Am I covered if my car is in a flood?
- Does my 2020 Nissan Sentra need full coverage?
- How high should my uninsured/underinsured coverage be in my state?
- How much can I save by bundling my policies?
If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out your zip code. It’s fast, doesn’t cost anything and can provide invaluable advice.
Big brands don’t always mean big savings
Consumers can’t get away from ads that claim the cheapest auto insurance rates from companies such as Allstate, GEICO and Progressive. All the companies advertise claims about savings if you move your policy.
How is it possible that every company can charge you less for auto insurance? Here is the trick they use.
All the different companies have specific characteristics for the type of driver they prefer to insure. For instance, this type of insured may need to be between 25 and 40, has no prior claims, and insures a new vehicle. Anyone that matches those criteria will probably get cheap rates and as a result will probably cut their rates if they switch.
Consumers who are not a match for those criteria may receive a higher premium and this can result in business going elsewhere. The ads state “people that switch” but not “all drivers who get quotes” save that much. That’s the way companies can truthfully make those claims. Because every company is different, drivers should do a rate comparison at every renewal. It is just not possible to predict the company that will provide you with the cheapest prices.
Car insurance coverage considerations
Learning about specific coverages of a car insurance policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement.
Insurance for medical payments
Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like hospital visits, prosthetic devices, rehabilitation expenses and funeral costs. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage
Liability coverage will cover damage that occurs to people or other property in an accident. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.
Liability coverage pays for things such as structural damage, repair costs for stationary objects and repair bills for other people’s vehicles. How much coverage you buy is your choice, but buy as high a limit as you can afford.
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan Sentra.
Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Auto collision coverage
This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.
Collision insurance covers claims like sustaining damage from a pot hole, hitting a parking meter and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.
Comprehensive coverage (or Other than Collision)
This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage pays for things like damage from a tornado or hurricane, damage from flooding, hitting a bird and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Don’t throw your cash in the trash
As you restructure your insurance plan, do not sacrifice coverage to reduce premiums. In many cases, someone dropped liability limits or collision coverage and discovered at claim time that the savings was not a smart move. The goal is to buy a smart amount of coverage at the best cost while still protecting your assets.
Drivers who switch companies do it for many reasons like poor customer service, policy non-renewal, not issuing a premium refund or being labeled a high risk driver. It doesn’t matter what your reason, finding the right insurance coverage provider is pretty easy and you might even save some money in the process.
In this article, we covered some good ideas how you can save on 2020 Nissan Sentra insurance. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may even discover the lowest prices come from an unexpected company.
- Senior Drivers (Insurance Information Insitute)
- Insuring a Leased Car (Insurance Information Insitute)
- Bodily Injury Coverage (Liberty Mutual)
- Credit Impacts Car Insurance Rates (State Farm)
- Comprehensive Coverage (Liberty Mutual)
Rates by U.S. City
|New York City, NY||$2,199|
|Los Angeles, CA||$2,379|
Need a specific model?
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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||$108|
|5-yr Claim Free||$91|
|Paid in Full/EFT||$67|
Discounts are estimated and may not be available from every company or in every state.