Cheap Insurance for a Nissan Sentra in Rhode Island
Enter your Rhode Island zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 6, 2019
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The odds of finding affordable coverage for a Nissan Sentra in Rhode Island is contingent on a large number of rating criteria such as when you were born, your address, and driving violations. Drivers will pay around $1,330 each year to buy insurance for a Nissan Sentra, but that cost is an approximation that rates a 40-year-old married male who purchased comprehensive and collision coverage and $100 deductibles.
The issue that arises when projecting rates is that it’s very likely that you are not 40 and possibly not even male, maybe you are single instead of married, or maybe you just want different deductibles. Have just a small change in quote information can make a big difference in the cost of coverage for a Nissan Sentra.
Everyone has different rating factors, so the best way to find the cheapest insurance price for your Nissan is to get into the habit of comparing rates once a year. Rate quotes are easy and you will receive price comparisons from the best companies around.
Your vehicle’s trim level will be a contributing factor to the insurance rate, so the price you will be charged to insure a Sentra 2 will be $248 less expensive the price to insure the higher-priced Sentra SE-R SPEC V trim level, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sentra 2.0 S||$276||$684||$418||$24||$126||$1,528||$127|
|Sentra 2.0 SR||$276||$684||$418||$24||$126||$1,528||$127|
|Sentra 2.0 SL||$318||$684||$418||$24||$126||$1,570||$131|
|Sentra SE-R SPEC V||$318||$786||$418||$24||$126||$1,672||$139|
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Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Rhode Island minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Rate quotes do not factor in specific zip code location which can alter price quotes significantly.
How to find a good Rhode Island auto insurance company
Insuring your vehicle with the right auto insurance provider is difficult considering how many different insurance companies sell coverage in Rhode Island. The company ratings shown below can help you decide which car insurance companies to look at when comparing insurance rates for a Nissan Sentra. The ratings below include the companies with a significant amount of written premium nationwide, so companies that may only write in Rhode Island are not included in the list.
Top 10 Major Auto Insurance Providers in Rhode Island Ranked by Claims Service
- Liberty Mutual
- State Farm
- The General
- The Hartford
- 21st Century
Top 10 Major Auto Insurance Providers in Rhode Island Ranked by Customer Service
- American Family
- The Hartford
- State Farm
- Farmers Insurance
- Safeco Insurance
Top Companies for Nissan Sentra Insurance in Rhode Island
Enter your zip code below to view companies that have cheap auto insurance rates.
Safe drivers pay less for auto insurance
The best way to earn the cheapest auto insurance prices in Rhode Island for a Sentra is to be a careful driver and avoid getting tickets or having accidents. The chart below shows how violations and at-fault collisions can drive up car insurance costs for each different age category. The information is based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.
In the previous example, the average cost of car insurance per year with no violations or accidents is $2,908. Factor in one speeding ticket and the average cost rises to $3,275, an increase of $367 each year. Then include one accident along with the one speeding ticket and the 12-month cost of auto insurance for a Nissan Sentra goes up to an average of $4,341. That’s an increase of $1,433, or $119 per month, just for not driving carefully!
Discount Rhode Island auto insurance rates
Insurers that sell cheap insurance for a Nissan Sentra in Rhode Island may provide special discounts that could reduce prices by as much as 35% if you meet the requirements. Companies and their possible discounts are:
|Discount||State Farm||Geico||Allstate||Progressive||Farmers||Nationwide||Liberty Mutual|
|Daytime running lights||Yes||Yes||No||No||Yes||No||No|
|Pay in full||No||Yes||Yes||Yes||Yes||Yes||Yes|
|Student away from home||Yes||No||Yes||Yes||Yes||Yes||Yes|
|Own your home||No||No||No||Yes||Yes||No||No|
|Seat belt use||No||Yes||No||No||No||No||No|
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The information below illustrates the difference between insurance premiums with and without some available policy discounts. The data assumes a male driver, a clean driving record, no claims, Rhode Island state minimum liability limits, full physical damage coverage, and $1,000 deductibles.
The first bar for each age group shows the price with no discounts. The second bar shows the rates with vehicle safety, marriage, safe-driver, defensive driving course, multiple policy, and multiple vehicle discounts applied. With discounts applied, the amount saved on auto insurance for a Nissan Sentra is % or $.
Is State Farm, Allstate, Progressive, or Geico cheaper?
If you are shopping around for insurance for a Sentra in Rhode Island, the top insurers to get price quotes from are State Farm, Allstate, Progressive, and Geico. They all have the same basic coverages, but each one has different optional coverages and features that can influence your buying decision. The next table breaks down price, claims, and customer service ratings, as well as some optional coverages you can expect with each one.
|Handling of Claims||2nd||1st||4th||3rd|
|Rating from A.M. Best||A++||A+||A+||A++|
|Standard & Poor’s financial rating||AA||AA-||AA||AA+|
|New car replacement insurance||No||Yes||No||No|
|Rating based on usage||Yes||Yes||Yes||No|
|Coverage for Uber and Lyft drivers||Yes||Yes||Yes||Yes|
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