How Much Does Insurance Cost for a Nissan Sentra in Michigan?
Enter your Michigan zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 7, 2019
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When talking about car insurance, the word affordable really should not be used anywhere in the article. Notwithstanding, cheap car insurance for a Nissan Sentra can seem impossible to find. Don’t let that get you down, though, because we can show you some ways you can quote car insurance that is more affordable.
Finding cheaper auto insurance for a Nissan Sentra in Michigan is dependent upon a large number of factors like annual vehicle mileage, your occupation, and if you have any chargeable driving offenses. Michigan drivers pay an average rate of $2,730 every 12 months to buy insurance for a Nissan Sentra, but that rate is a ballpark figure based on cost data for a 40-year-old single female driver who needs comprehensive and collision coverage and $100 physical damage deductibles.
There is a high likelihood that you may not be 40 years old (or even female), you might be married instead of single, or maybe your Sentra is an older model. Different coverage needs are the reason why your best chance at finding cheap insurance prices for your Nissan is to make a habit of comparing rates at every renewal.
Your vehicle’s trim level will most likely have an effect on the yearly cost, so the rate you pay to insure a Sentra 2 model will be $504 less than the insurance cost for the more costly Sentra SE-R SPEC V model, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sentra 2.0 S||$498||$1428||$898||$54||$268||$3,146||$262|
|Sentra 2.0 SR||$498||$1428||$898||$54||$268||$3,146||$262|
|Sentra 2.0 SL||$570||$1428||$898||$54||$268||$3,218||$268|
|Sentra SE-R SPEC V||$570||$1644||$898||$54||$268||$3,434||$286|
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Michigan minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Table data does not factor in specific zip code location which can alter premium rates greatly.
Figuring out which companies quote the cheapest auto insurance rates for a Nissan Sentra calls for a bit more effort than just picking a company at random.
Every insurance company has their own guidelines to set policy rates, so let’s take a look at the auto insurance companies with the overall cheapest rates in Michigan. Keep in mind that Michigan auto insurance rates are influenced by many factors which can substantially change the cost of having a policy. Turning one year older, getting divorced, or getting a ticket for running a stop sign may prompt premium changes that can now make some companies cheaper than before.
|Rank||Company||Cost Per Year|
|7||Pioneer State Mutual||$1,474|
|18||Auto Club Group||$2,464|
|Find Cheaper Rates Go|
USAA may have some of the most affordable car insurance rates in Michigan at around $949 per year. GEICO, Safeco, MetLife, and Chubb also rank well as some of the cheaper Michigan auto insurance companies.
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In the above rates, if you currently have coverage with GEICO and switched to USAA, you might see yearly savings of about $54. Insureds with Safeco could save as much as $130 a year, and MetLife customers might reduce prices by as much as $361 a year.
Understand that those policy prices are averaged across all types of insureds and vehicles and do not factor in a specific rate value for a Nissan Sentra. So the company that has the cheapest price for you may not even be included in the list above. That helps illustrate why you need to get auto insurance quotes using your own driver information and specific vehicle type.
Enter your zip code below to view companies that have cheap auto insurance rates.
The illustration below highlights how deductible selection can influence annual premium costs when researching cheap insurance for a Nissan Sentra. The information is based on a married female driver, comprehensive and collision coverage, and no discounts are applied.
The chart above illustrates that a 50-year-old driver could lower their car insurance rates by $542 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $818 by using a $1,000 deductible. Even younger drivers, like the 20-year-old, could roll back prices as much as $1,348 each year by using higher deductibles when buying full coverage.
When insureds make the decision to increase the deductibles on their policy, it is a good idea to have enough funds in savings to be able to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Accidents and violations increase rates
The easiest way to enjoy the best auto insurance premiums in Michigan for a Sentra is to be a safe driver and avoid getting tickets or having accidents. The information below demonstrates how citations and fender-benders influence car insurance rates for different age groups. The prices are based on a single male driver, full coverage, $100 deductibles, and no discounts are applied.
In the prior example, the average cost of a car insurance policy in Michigan per year with no violations or accidents is $4,576. Add in two speeding tickets and the average cost increases to $6,083, an increase of $1,507 each year. Then include one accident along with the two speeding tickets and the 12-month cost of auto insurance for a Nissan Sentra increases to an average of $7,623. That’s an increase of $3,047, or $254 per month, just for a couple of infractions!
Geico, Progressive, Allstate, or State Farm: Who is cheapest?
When it comes to insurance for a Sentra in Michigan, four of the larger companies to compare rates for are Geico, Progressive, Allstate, and State Farm. Combined they have over 48% of the entire U.S. market share. The table below compares ratings and policy coverage options that may be available in your state.
|U.S. market share||11.9%||9.1%||9.7%||18.3%|
|Customers who recommend||87%||88%||86%||88%|
|Accident forgiveness coverage||Yes||Yes||Yes||No|
|Emergency roadside service||Yes||Yes||Yes||Yes|
|Mechanical breakdown insurance||Yes||Yes||No||No|
|Coverage for ridesharing||Yes||Yes||Yes||Yes|
|New car replacement coverage||No||No||Yes||No|
|Rating based on usage||No||Yes||Yes||Yes|
|Coverage in Michigan||Yes||Yes||Yes||Yes|
|Where you can buy||Both online and from Geico agents||Buy online or from an independent agent||Allstate exclusive agents||State Farm-only agents|
|Number of agents||150+||30,000+||11,000+||18,000+|
|Compare Rates Now Go|
How to find cheap insurance for a Nissan Sentra in Michigan
It’s not impossible to find cheaper rates, and here are some of the better money-saving ideas that can help Michigan drivers locate cheap coverage.
- Do not get tickets or violations
- Don’t waste money on full coverage for older vehicles
- At-fault accidents will increase rates
- Drive a car with a high safety rating
- Save money by insuring your home and auto with the same company
- Having too many claims will increase rates substantially
- Keep rates low by shopping around frequently
That last piece of advice is particularly crucial, as we stressed in this piece. Auto insurance rates fluctuate constantly, so drivers shouldn’t be reluctant to switch to a new company if a better deal can be had. Being loyal to a particular company is commendable, but we do not recommend it if that faithfulness ends up costing you hundreds of dollars a year. In less than five minutes you could compare prices to find cheaper insurance for a Nissan Sentra.
Best cheap Nissan Sentra insurance quotes
There are a variety of different ways to quote auto insurance rates in Michigan, but the most common are through an independent agent, a captive (or exclusive) agent like Liberty Mutual or Allstate, or direct from companies such as Progressive or Geico.
All three ways are similar, but buyers should know the differences in how they give price quotes.
Independent insurance agencies write business for many companies and can get policy pricing from all of them. These agents are not required to write business for one company and can get prices from more than one company, which may provide you with more bang for your buck. If premiums increase, they simply switch companies in-house which requires no work on your part.
An agent who is captive is restricted to a single company, examples being an Allstate or State Farm agent. Exclusive agents cannot shop your coverage around, so if their prices are high, they cannot shop around.
If you choose to buy auto insurance direct, you skip the middleman (the agent) and buy direct from companies such as Progressive or Esurance. Shopping for auto insurance direct may be a decent choice drivers who have lower risk management needs and have an above average understanding of what specific coverages and deductibles they need.
What is the best method for finding cheap insurance for a Nissan Sentra in Michigan? One answer would be buying direct results in the cheapest rates since no commissions are paid to an agent, but that is not always the case. We could also assume that an independent agency results in the cheapest rates due to having more companies to select from, but that idea is not necessarily true either. In many circumstances, exclusive agents have price quotes well below independent agents AND direct companies.
Since auto insurance rates vary so much, the best method to get the lowest rate is to obtain price quotes and compare them. It takes a little work, but we recommend you get prices from all three types to give yourself plenty of rates to compare. A great place to start is our list of online companies offering discounts: click here to view.
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