Nissan Sentra Insurance Rates

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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. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 19, 2022

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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.

Ready to start shopping for Nissan Sentra rates? Enter your five-digit ZIP code into our FREE quote tool above.

Average insurance rates for a Nissan Sentra are $1,328 a year for full coverage. Comprehensive costs on average $216 a year, collision costs $512, and liability insurance costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing around $2,914. Teen drivers receive the highest rates at $5,164 a year or more.

Average premium for full coverage: $1,328

Rate estimates by individual coverage type:

Comprehensive $216
Collision $512
Liability $442

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Sentra trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $496 for only liability insurance to a high of $2,914 for a high risk driver.

Liability Only $496
Full Coverage $1,328
High Risk $2,914

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $996
Small Cities $1,394
Large Cities $1,793

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price averages.

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

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

Insurance Rate Analysis

The chart below shows estimated Nissan Sentra insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $755
  • Drivers who choose higher $1,000 deductibles will pay around $1,162 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,328
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,650
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,914 or more
  • The cost for full coverage for a teen driver may cost $5,164 a year

View Chart as Image

Nissan Sentra insurance cost comparison chart
Column chart showing full coverage Nissan Sentra insurance rates range from $755 to $5,164

for a Nissan Sentra can also vary considerably based on your driver profile, the trim level of your Sentra, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $5,100 a year. View Rates by Age

Where you live makes a big difference in Nissan Sentra insurance rates. A 40-year-old driver could pay as low as $880 a year in states like Idaho, Maine, and Iowa, or as much as $1,890 on average in Michigan, Louisiana, and New York.

Nissan Sentra Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,200 -$128 -9.6%
Alaska $1,018 -$310 -23.3%
Arizona $1,102 -$226 -17.0%
Arkansas $1,328 -$0 0.0%
California $1,512 $184 13.9%
Colorado $1,268 -$60 -4.5%
Connecticut $1,366 $38 2.9%
Delaware $1,502 $174 13.1%
Florida $1,658 $330 24.8%
Georgia $1,224 -$104 -7.8%
Hawaii $952 -$376 -28.3%
Idaho $898 -$430 -32.4%
Illinois $988 -$340 -25.6%
Indiana $1,000 -$328 -24.7%
Iowa $896 -$432 -32.5%
Kansas $1,262 -$66 -5.0%
Kentucky $1,812 $484 36.4%
Louisiana $1,964 $636 47.9%
Maine $818 -$510 -38.4%
Maryland $1,096 -$232 -17.5%
Massachusetts $1,062 -$266 -20.0%
Michigan $2,306 $978 73.6%
Minnesota $1,110 -$218 -16.4%
Mississippi $1,590 $262 19.7%
Missouri $1,176 -$152 -11.4%
Montana $1,428 $100 7.5%
Nebraska $1,046 -$282 -21.2%
Nevada $1,590 $262 19.7%
New Hampshire $956 -$372 -28.0%
New Jersey $1,484 $156 11.7%
New Mexico $1,174 -$154 -11.6%
New York $1,398 $70 5.3%
North Carolina $764 -$564 -42.5%
North Dakota $1,086 -$242 -18.2%
Ohio $916 -$412 -31.0%
Oklahoma $1,362 $34 2.6%
Oregon $1,216 -$112 -8.4%
Pennsylvania $1,268 -$60 -4.5%
Rhode Island $1,770 $442 33.3%
South Carolina $1,200 -$128 -9.6%
South Dakota $1,122 -$206 -15.5%
Tennessee $1,164 -$164 -12.3%
Texas $1,600 $272 20.5%
Utah $984 -$344 -25.9%
Vermont $910 -$418 -31.5%
Virginia $794 -$534 -40.2%
Washington $1,026 -$302 -22.7%
West Virginia $1,216 -$112 -8.4%
Wisconsin $918 -$410 -30.9%
Wyoming $1,184 -$144 -10.8%

View Chart as Image

Nissan Sentra insurance rates by U.S. city

Choosing high deductibles could save up to $490 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $398 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,600 to $2,200 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 134% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Nissan Sentra Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Nissan Sentra 2 $1,252 $104
Nissan Sentra 2.0 S $1,316 $110
Nissan Sentra 2.0 SR $1,316 $110
Nissan Sentra 2.0 SL $1,364 $114
Nissan Sentra SE-R $1,364 $114
Nissan Sentra SE-R SPEC V $1,402 $117

Rates assume 2017 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.

Nissan Sentra Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Nissan Sentra $236 $552 $416 $1,362
2018 Nissan Sentra $228 $530 $430 $1,346
2017 Nissan Sentra $216 $512 $442 $1,328
2016 Nissan Sentra $206 $474 $452 $1,290
2015 Nissan Sentra $198 $446 $456 $1,258
2014 Nissan Sentra $190 $400 $460 $1,208
2013 Nissan Sentra $178 $368 $460 $1,164
2012 Nissan Sentra $172 $346 $464 $1,140
2011 Nissan Sentra $168 $322 $474 $1,122
2010 Nissan Sentra $156 $300 $474 $1,088
2009 Nissan Sentra $150 $272 $478 $1,058
2008 Nissan Sentra $140 $248 $474 $1,020
2007 Nissan Sentra $132 $226 $474 $990
2006 Nissan Sentra $128 $202 $468 $956
2005 Nissan Sentra $126 $198 $460 $942
2004 Nissan Sentra $124 $188 $452 $922
2003 Nissan Sentra $114 $180 $446 $898
2002 Nissan Sentra $110 $170 $442 $880

Rates are averaged for all Nissan Sentra models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Cheaper Nissan Sentra Insurance

Saving money on Nissan Sentra insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $500 each year
  • Drivers can save as much as $160 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $490 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $430 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,590 more each year for 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.

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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
Vehicle TestedOverallFrontalSideRollover
2020 Nissan Sentra 4 DR FWDN/RN/RN/RN/R
2019 Nissan Sentra SR Turbo 4 DR FWDN/RN/R5 stars4 stars
2019 Nissan Sentra NISMO 4 DR FWDN/RN/RN/R4 stars
2019 Nissan Sentra 4 DR FWD4 stars4 stars5 stars4 stars
2018 Nissan Sentra Turbo 4 DR FWDN/RN/RN/RN/R
2018 Nissan Sentra NISMO 4 DR FWDN/RN/RN/R4 stars
2018 Nissan Sentra 4 DR FWD4 stars4 stars5 stars4 stars
2017 Nissan Sentra NISMO 4 DR FWDN/RN/RN/R4 stars
2017 Nissan Sentra 4 DR FWD4 stars4 stars5 stars4 stars
2016 Nissan Sentra 4 DR FWD4 stars4 stars5 stars4 stars
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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
Insurance Coverage CategoryLoss Rate
Collision20%
Property Damage7%
Comprehensive-19%
Personal Injury58%
Medical Payment79%
Bodily Injury41%
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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.

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

Rates by Driver Age

Nissan Sentra Insurance Rates by Driver Age
Driver Age Premium
16 $5,164
20 $3,128
30 $1,376
40 $1,328
50 $1,216
60 $1,194

Full coverage, $500 deductibles

Rates by Deductible

Nissan Sentra Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,650
$250 $1,498
$500 $1,328
$1,000 $1,162

Full coverage, driver age 40

Rates by Liability Limit

Nissan Sentra Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,328
50/100 $1,490
100/300 $1,601
250/500 $1,888
100 CSL $1,535
300 CSL $1,778
500 CSL $1,955

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan Sentra Insurance Rates for High Risk Drivers
Age Premium
16 $7,356
20 $4,996
30 $2,966
40 $2,914
50 $2,788
60 $2,766

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $194

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $70
Multi-vehicle $73
Homeowner $21
5-yr Accident Free $100
5-yr Claim Free $87
Paid in Full/EFT $61
Advance Quote $67
Online Quote $94
Total Discounts $573
Rate after discounts $755

Discounts are estimated and may not be available from every company or in every state.

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