Nissan Sentra Insurance Rates

Need help finding cheap Nissan Sentra insurance rates? Our guide breaks down insurance costs that will help you decipher everything from 2018 Nissan Sentra car insurance rates to 2011 Nissan Sentra costs.

So read on to learn how a Nissan Sentra auto insurance  company may calculate your premiums and how to secure cheap car insurance rates.

Never buy Nissan Sentra car insurance without shopping around. We can help you find affordable Nissan Sentra car insurance quotes in your area.

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The average auto insurance rates for a Nissan Sentra are $1,366 annually with full coverage. Comprehensive costs an estimated $244, collision insurance costs $566, and liability is estimated at $398. Buying just liability costs approximately $460 a year, and insurance for high-risk drivers costs around $2,992. Teenage drivers cost the most to insure at up to $5,216 a year.

Average premium for full coverage: $1,366

Policy rates broken down by type of insurance:

Rates are based on $500 physical damage deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for different Sentra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. More rural locations are shown to have fewer collision claims than densely populated cities. The price range example below illustrates how location helps determine insurance prices.

The examples above demonstrate why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, instead of using average rates.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below details average Nissan Sentra insurance rates for other coverage scenarios.

• The best discount rate is $774
• Choosing higher $1,000 deductibles can save approximately $182 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,366
• Using more expensive low deductibles for comp and collision coverage will cost $1,728
• Unlucky drivers who are prone to accidents and violations could pay up to $2,992
• Policy cost with full coverage for a teen driver with full coverage can cost as much as $5,216 each year

View Chart as Image

Insurance rates for a Nissan Sentra also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.

An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay at least $5,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,700 to $2,300 extra every year, depending on your age. High-risk driver insurance ranges as much as 44% to 138% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $550 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $358 more per year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Nissan Sentra insurance prices. A good driver about age 40 could pay as low as $990 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,850 on average in New York, Michigan, and Florida.

View Chart as Image

Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Buy the Best Cheap Nissan Sentra Insurance

Finding cheaper rates on car insurance takes being a safe and courteous driver, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Invest time comparing rates at least once a year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below is a quick review of the primary concepts that were covered in the charts and tables above.

• You may be able to save approximately $170 per year just by shopping early and online
• Higher risk drivers with a DUI or reckless driving violation pay on average $1,630 more annually for auto insurance
• Increasing comprehensive and collision deductibles could save up to $550 each year
• Teenage drivers are charged the highest rates, as much as $435 each month including comprehensive and collision insurance

So is the 2020 Nissan Sentra a good car? We recommended for it’s low insurance cost and great value.

Shopping around will help you save on the cost to insure a Nissan Sentra or any other Nissan model, such as a 2019, 2017, 2013, or 2005 Nissan Stanza. Getting quotes for a model year will also help you decide what year to buy when car shopping.

For example, the 2017 Nissan Sentra insurance cost may be much higher than the 2011 Nissan Sentra cost of insurance. So if you trying to find insurance for a 2017 Nissan Sentra or want to know how much does a 2014 Nissan Sentra cost to insure, start by getting quotes.

Use our free tool below to find how much does a new Nissan Sentra cost to insure.

What are the safety ratings of the Nissan Sentra?

Great safety features and ratings can lower your insurance rates. This is why a 2002 Nissan Sentra price range might be higher than the Nissan Sentra 2019 cost of insurance, as the 2019 Nissan Sentra will have better safety features.

The Nissan Sentra’s safety features include multiple airbags, vehicle dynamic control (VDC), traction control system (TCS), front collision warning, blind-spot monitoring, and more. The Insurance Institute for Highway Safety (IIHS) gave the 2020 Nissan Sentra the following crash test ratings:

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good

Good is the highest rating possible. Watch the video below for an example of the Nissan Sentra crash test.

In the table below, you can see the different Nissan Sentra crash test ratings as composed by the National Highway Traffic Safety Administration.

Nissan Sentra Crash Test Ratings

A 5-star rating is the highest possible score given by the National Highway Traffic Safety Administration. Overall, the Nissan Sentra performed well and proves to be a reliable, safe vehicle.

Nissan Sentra Compared Against Other Vehicles in the Same Class

The Nissan Sentra is a small car. The IIHS rated its property damage liability losses as average, but the Nissan Sentra’s bodily injury liability losses are substantially worse than average. This could mean higher liability rates.

See more of the Nissan Sentra insurance loss probability details in the table below.

Nissan Sentra Insurance Loss Probability

The lower the percentage, the better the loss ratio. Unfortunately, the Nissan Sentra is average or worse than average in every category besides comprehensive.

Sometimes liability rates will vary, as 2011 Nissan Sentra trim levels’ liability losses will be different than 2020 losses, but overall the losses for the Nissan Sentra aren’t promising. Take a look at the cars below to see how Nissan Sentra rates compare to other small cars.

• Acura ILX
• Chevrolet Bolt
• Chevrolet Cruze

Are you still wondering how much does a 2011 or 2014 Nissan Sentra cost to insure? Rates will vary based on model year, like the Nissan Sentra or Stanza 2019 cost will vary from the cost of a Nissan Sentra 2017 or the Nissan Sentra 2005 average price.

One of the best ways to determine prices is to compare quotes. Ready to get started?

Simply enter your five-digit ZIP code into our FREE online tool to find Nissan Sentra insurance rates.

References

1. https://www.iihs.org/ratings/vehicle/nissan/sentra-4-door-sedan/2020