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Best Cheap Insurance for a Nissan Sentra in North Carolina

Enter your North Carolina zip code below to view companies that have cheap auto insurance rates.

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: Nov 17, 2019

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Your chances of buying affordable auto insurance for a Nissan Sentra in North Carolina relies on lots of different factors like when you were born, your residence address, and your choice of deductibles. Drivers pay around $850 annually for Sentra insurance, but that cost is an estimate that rates a 30-year-old single female driver that included full coverage including both comprehensive and collision and $500 policy deductibles.

There is a good probability you are not a 30-year-old female, possibly married instead of single, or you just prefer to insure for liability only. Auto insurance is unique to every driver, so the most reliable method for finding cheap car insurance rates for your Nissan is to start the habit of comparing rates at least once a year.

Enter your zip code below to view companies that have cheap auto insurance rates.

Your vehicle’s trim level can impact the insurance rate, so the rate you pay to insure a Sentra 2 trim level will be $136 cheaper than the cost to insure the higher-end Sentra SE-R SPEC V version, as demonstrated by the prices below.

Nissan Sentra Insurance Rates in North Carolina
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $152 $322 $336 $20 $100 $930 $78
Sentra 2.0 S $152 $378 $336 $20 $100 $986 $82
Sentra 2.0 SR $152 $378 $336 $20 $100 $986 $82
Sentra 2.0 SL $174 $378 $336 $20 $100 $1,008 $84
Sentra SE-R $174 $378 $336 $20 $100 $1,008 $84
Sentra SE-R SPEC V $174 $436 $336 $20 $100 $1,066 $89
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Information does not factor in specific North Carolina garaging location which can impact premiums considerably.

Establishing which company quotes the lowest-priced insurance rates for a Nissan Sentra will take a tad more effort in order to find the best policy. Each auto insurance company has a different process for determining rates, so let’s examine the insurance companies with the overall cheapest rates in North Carolina.

It’s important that readers know that North Carolina insurance rates are based on many factors which can significantly increase or decrease the cost of your policy. Simply having another birthday, having a teen driver, or getting a couple of tickets may prompt premium changes that can make some companies more affordable than others.

Enter your zip code below to view companies that have cheap auto insurance rates.

Cheapest North Carolina auto insurance companies
Rank Company Cost Per Year
1 Progressive $651
2 Utica National $662
3 GEICO $720
4 Penn National $725
5 Liberty Mutual $728
6 NC Farm Bureau $737
7 Titan $751
8 State Farm $779
9 Auto-Owners $870
10 National General $881
11 Travelers $900
12 Allied $928
13 Erie $931
14 Peerless $962
15 Unitrin $1,002
16 Nationwide $1,041
17 MetLife $1,049
18 Allstate $1,064
19 Encompass $1,073
20 Safeco $1,076
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Progressive may offer some of the most affordable car insurance rates in North Carolina at around $651 per year. Utica National, GEICO, Penn National, and Liberty Mutual also rank well as some of the most economical North Carolina car insurance companies.

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As shown in the rates above, if you are insured with Utica National and switched to Progressive, you could see an annual savings of around $11. Insureds with GEICO might save as much as $69 a year, and Penn National policyholders might lower prices by $74 a year.

Be aware that those rates are averaged for all types of drivers and the different vehicles they drive and and are not figured with a specific rating modification for a Nissan Sentra. So the company that has the cheapest price for you may not even be in the above rate chart. That point stresses why you need to compare prices as often as possible using your own driver data and vehicle information.

Enter your zip code below to view companies that have cheap auto insurance rates.

Difference between full coverage and liability only rates

Finding the best cheap insurance for a Nissan Sentra in North Carolina is the goal of most people, and a great way to buy cheap insurance is to only buy liability coverage. The example below shows the difference between insurance costs with full coverage compared to only the North Carolina minimum liability coverage. The information is based on no tickets, no at-fault accidents, $100 deductibles, single status, and no discounts are taken into consideration.

If averaged out across all ages, comp and collision coverage costs $1,794 per year over having just liability coverage. A very common question is if you should buy full coverage at all. There is no definitive guideline of when to eliminate comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is 10% or more of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s say your vehicle’s book value is $11,500 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $10,500 after the deductible is paid. If premium cost is more than $1,050 annually for physical damage coverage, then you might want to consider buying only liability coverage.

There are some circumstances where eliminating full coverage is not recommended. If you still have a loan on your vehicle, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not remove full coverage.

Last year’s bargain might be this year’s rip off

North Carolina insurance rates are impacted by many things that can increase the price you have to pay for coverage. Simply turning a year older, having a teenage driver, or getting a couple of tickets can trigger rate changes that can cause some rates to be affordable when they were higher priced.

In addition to those changes, companies amend pricing without warning in order to maintain liquidity for claims. An extended period of higher than normal claims may result in higher prices, while a profitable period can produce lower-cost Sentra insurance rates.

To help illustrate this point, the data below analyzes the cheapest car insurance in North Carolina for a 35-year-old female driver with no violations or accidents, and good credit. If we estimate prices based on her current risk factors, Utica National quotes the lowest car insurance rates in North Carolina at $636 annually. This is $236 less than the average premium paid by North Carolina drivers of $872. Progressive, Liberty Mutual, NC Farm Bureau, and Penn National round out the rest of the cheapest North Carolina auto insurance companies.

Now we will pretend the driver in the first chart an at-fault accident, a little lower credit rating, and a traffic citation. Because every insurance company uses their own method for determining rates, analyzing rate quotes may now show a new list of the cheapest car insurance companies in North Carolina as shown below.

State Farm now has the cheapest car insurance in North Carolina with Titan, Auto-Owners, National General, and Allied now being in the top five. This example proves why North Carolina drivers need to shop around with many companies to get the cheapest auto insurance quotes for a Nissan Sentra. Rates are influenced by many risk factors and can decrease or increase without notice, so the best option the last time you shopped around may now not even be in the top five.

How to get the best cheap insurance for a Nissan Sentra in North Carolina

Lowering your rates is not difficult, and here are some money-saving suggestions that can help North Carolina drivers find cheap auto insurance.

  • Higher deductibles save money
  • Maintain a clean driving record
  • Full coverage is expensive so only insure older vehicles for liability only
  • Accident-free drivers may qualify for discounts
  • Claim-free policyholders usually earn a discount
  • Keep rates low by shopping around frequently

The last tip is extremely valuable, as we emphasized in this article. Coverage rates in North Carolina go up and down frequently, so you should be ready to buy a policy from a new company if a cheaper price is available. Many drivers tend to have loyalty to a certain company, but it’s not a good idea if that faithfulness ends up costing you major coinage every year. It takes less than five minutes to shop around to find cheaper insurance for a Nissan Sentra.

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