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How Much Does Insurance Cost for a Nissan Sentra in New York?

Anytime the topic is auto insurance, the word “cheap” shouldn’t be used anywhere in the article. Excuse the oxymoron, but cheap auto insurance for a Nissan Sentra can be difficult to find. But fear not, because we will tell you how you can quote car insurance that is more affordable.

Finding cheaper car insurance for a Nissan Sentra in New York depends on a lot of rating factors such as when you were born, your credit score, and any prior driving offenses you have. New York drivers on average pay approximately $750 each year for Sentra insurance, but that rate is an estimate based on a 50-year-old single male who requires full coverage and $500 deductibles.

The issue with using an average estimated rate is the likelihood you are not 50 and possibly not even male, possibly married instead of single, and maybe your Sentra just needs liability-only coverage. Every driver’s needs are different, and that is why the best way to quote the cheapest insurance price for your Nissan is to compare as many rates as possible.

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Your Nissan’s trim level will be a contributing factor to the insurance rate, so the rate you will pay to insure a Sentra 2 will be $120 less expensive the cost to insure the higher-priced Sentra SE-R SPEC V trim level, as shown in the prices below.

Nissan Sentra Insurance Rates in New York
ModelCompCollisionLiabilityMedicalUM/UIMAnnual PremiumMonthly Premium
Sentra 2$124$286$300$18$90$818$68
Sentra 2.0 S$124$338$300$18$90$870$73
Sentra 2.0 SR$124$338$300$18$90$870$73
Sentra 2.0 SL$142$338$300$18$90$888$74
Sentra SE-R$142$338$300$18$90$888$74
Sentra SE-R SPEC V$142$388$300$18$90$938$78
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Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Premium costs do not factor in specific location which can impact insurance rates substantially.

Selecting a highly-rated car insurance company is hard considering how many companies are available to choose from in New York. The ranking data in the next section could help you choose which companies to look at comparing rates from. The ratings below are only comprised of companies with a nationwide focus, so smaller regional companies are not taken into consideration for this list.

Top 10 Large Auto Insurance Companies in New York Ranked by Value

  1. The General
  2. Erie Insurance
  3. The Hartford
  4. Mercury Insurance
  5. Farmers Insurance
  6. 21st Century
  7. Safeco Insurance
  8. AAA Insurance
  9. Travelers
  10. State Farm

Top 10 Large Auto Insurance Companies in New York Ranked by Claims Service

  1. Progressive
  2. USAA
  3. Liberty Mutual
  4. GEICO
  5. State Farm
  6. Nationwide
  7. Allstate
  8. The General
  9. The Hartford
  10. 21st Century

Top Companies for Nissan Sentra Insurance in New York

Poor driving habits will raise your insurance rates

In a perfect world, the best way to obtain the best insurance rates for a Sentra is to drive safe and avoid accidents and keep your driving record clean. The chart below highlights how traffic violations and at-fault claims can increase auto insurance rates for different age groups. The premium estimates are based on a married male driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.

In the prior example, the average cost of a car insurance policy per year with no accidents or violations is $1,104. Get written up for two speeding tickets and the average cost rises to $1,513, an increase of $410 each year. Now include two accidents along with the two speeding tickets and the 12-month cost of insurance for a Nissan Sentra jumps again to an average of $3,245. That’s an increase of $2,141, or $178 per month, just for a couple of infractions!

Full coverage rates vs. liability-only in New York

Finding cheap insurance for a Nissan Sentra in New York is the goal of the majority of drivers, and one great way to save on the cost of insurance is to buy liability only. The example below illustrates the comparison of car insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums are based on a clean driving record, no at-fault accidents, $100 deductibles, drivers are single, and no discounts are factored in.

Averaged out for all age groups, physical damage coverage on your policy costs an additional $2,078 per year over and above liability only. That proposes the question when is the right time to remove full coverage. There is no exact rule of when to phase out physical damage coverage, but there is a general guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.

For example, let’s pretend your vehicle’s claim settlement value is $11,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $10,000 after paying the physical damage deductible. If you are paying more than $1,000 annually for physical damage coverage, then you may need to consider dropping full coverage.

Here’s why price comparisons are so important

New York insurance rates are based on many factors that will increase or decrease the price you pay. Simply having a birthday, getting divorced, or getting a reckless driving citation may generate price changes resulting in some companies being cheaper in comparison to the competition.

Not only that, but insurance companies file new New York car insurance rates as often as every three months to adjust for gains or losses. An unexpected high level of claims can cause a rate increase, while a better claims history can produce lower-priced Sentra insurance rates.

To illustrate this example, the graph below compares the cheapest car insurance in New York for a 40-year-old female driver with no accidents or violations, and a good credit rating. If we compare prices based on her current situation, USAA quotes the best car insurance rates in New York at $3,415 a year. This is $1,340 more than the average premium paid by New York drivers of $2,075. Erie, Travelers, Utica National, and Allstate are the remaining top five cheapest New York auto insurance companies.

Let’s now give the driver from above a claim surcharge, slightly worse credit, and a couple of points charged on her driving record. Because each insurer has their own formula for determining rates, comparing insurance quotes may now show a different set of affordable companies as shown below.

MetLife now has the cheapest rate in New York with Amica, Preferred Mutual, Erie, and GEICO also having competitive pricing. This example illustrates why drivers need to compare as many rates as possible when trying to get the most affordable insurance quotes for a Nissan Sentra.

Rates are influenced by many factors and change substantially, so the most affordable company six months ago may now be one of the more expensive options.

How to find cheap insurance for a Nissan Sentra in New York

The list below details some money-saving ideas that can help drivers locate more affordable car insurance.

  • Pay for small claims rather than turning them in to your insurance company
  • Do not get tickets
  • Drive attentively and avoid accidents
  • Drive safe vehicles
  • Bundle home or renters insurance to earn a discount on car insurance
  • Shop around for cheaper rates regularly

The last idea is notably vital, as was discussed in this piece. Auto insurance rates in New York change constantly, so drivers shouldn’t hesitate to change to a new company if you can find a cheaper rate. Many drivers tend to have loyalty to a certain company, but it’s not a good idea if that inflexibility results in costing you a wad of cash every year. Take a couple minutes and compare rates to find cheaper insurance for a Nissan Sentra.

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