Nissan Sentra Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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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 $1,258 a year for full coverage insurance. Comprehensive costs an estimated $198 a year, collision insurance costs $446, and liability coverage is estimated at $456. A liability-only policy costs approximately $508 a year, and high-risk insurance costs around $2,758. Teenage drivers receive the highest rates at up to $4,948 a year.

Average premium for full coverage: $1,258

Rate estimates broken down by individual coverage type:

Comprehensive $198
Collision $446
Liability $456

Price estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and Sentra trim levels.

Price Range by Coverage and Risk

For an average driver, prices range range from the low end price of $508 for just liability coverage to a high of $2,758 for a driver that may need high-risk insurance.

Liability Only $508
Full Coverage $1,258
High Risk $2,758

Price Range by Location

Living in a larger city has a large influence on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than densely populated cities. The diagram below illustrates the effect of geographic area on insurance prices.

Rural Areas $944
Small Cities $1,321
Large Cities $1,698

These examples illustrate why it is important to get quotes for a targeted area, rather than using average rates.

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.

Detailed Rate Analysis

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

  • The best discount rate is $724
  • Choosing higher $1,000 deductibles can save approximately $1,112 each year
  • The estimated price for a 40-year-old driver who has $500 deductibles is $1,258
  • Using low $100 deductibles for comp and collision coverage bumps up the cost to $1,548
  • Drivers who are prone to accidents and violations could pay up to $2,758
  • The cost that insures a teenage driver can cost as much as $4,948 each year

View Chart as Image

Nissan Sentra insurance cost comparison chart
Column chart showing Nissan Sentra insurance rates range from $724 to $4,948 for full coverage

Insurance rates for a Nissan Sentra can also vary considerably based on the trim level of your Sentra, your age and driving record, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are probably paying $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy ranges around 42% to 132% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay at least $4,900 a year. View Rates by Age

Where you live plays a big part in determining prices for Nissan Sentra insurance rates. A good driver about age 40 could pay as low as $830 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,700 on average in Florida, New York, and Michigan.

Nissan Sentra Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,140 -$118 -9.4%
Alaska $966 -$292 -23.2%
Arizona $1,044 -$214 -17.0%
Arkansas $1,258 -$0 0.0%
California $1,436 $178 14.1%
Colorado $1,204 -$54 -4.3%
Connecticut $1,294 $36 2.9%
Delaware $1,426 $168 13.4%
Florida $1,576 $318 25.3%
Georgia $1,162 -$96 -7.6%
Hawaii $904 -$354 -28.1%
Idaho $850 -$408 -32.4%
Illinois $938 -$320 -25.4%
Indiana $948 -$310 -24.6%
Iowa $850 -$408 -32.4%
Kansas $1,196 -$62 -4.9%
Kentucky $1,718 $460 36.6%
Louisiana $1,864 $606 48.2%
Maine $778 -$480 -38.2%
Maryland $1,038 -$220 -17.5%
Massachusetts $1,006 -$252 -20.0%
Michigan $2,188 $930 73.9%
Minnesota $1,054 -$204 -16.2%
Mississippi $1,508 $250 19.9%
Missouri $1,116 -$142 -11.3%
Montana $1,354 $96 7.6%
Nebraska $992 -$266 -21.1%
Nevada $1,510 $252 20.0%
New Hampshire $908 -$350 -27.8%
New Jersey $1,408 $150 11.9%
New Mexico $1,116 -$142 -11.3%
New York $1,328 $70 5.6%
North Carolina $726 -$532 -42.3%
North Dakota $1,030 -$228 -18.1%
Ohio $870 -$388 -30.8%
Oklahoma $1,294 $36 2.9%
Oregon $1,154 -$104 -8.3%
Pennsylvania $1,202 -$56 -4.5%
Rhode Island $1,680 $422 33.5%
South Carolina $1,140 -$118 -9.4%
South Dakota $1,062 -$196 -15.6%
Tennessee $1,102 -$156 -12.4%
Texas $1,518 $260 20.7%
Utah $932 -$326 -25.9%
Vermont $864 -$394 -31.3%
Virginia $756 -$502 -39.9%
Washington $974 -$284 -22.6%
West Virginia $1,154 -$104 -8.3%
Wisconsin $874 -$384 -30.5%
Wyoming $1,122 -$136 -10.8%

View Chart as Image

Nissan Sentra insurance rates by U.S. city

Using high physical damage deductibles can save as much as $440 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $411 more per year. View Rates by Deductible or Liability Limit

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 $1,192 $99
Nissan Sentra 2.0 S $1,248 $104
Nissan Sentra 2.0 SR $1,248 $104
Nissan Sentra 2.0 SL $1,292 $108
Nissan Sentra SE-R $1,292 $108
Nissan Sentra SE-R SPEC V $1,326 $111

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 $216 $512 $442 $1,328
2018 Nissan Sentra $206 $474 $452 $1,290
2017 Nissan Sentra $198 $446 $456 $1,258
2016 Nissan Sentra $190 $400 $460 $1,208
2015 Nissan Sentra $178 $368 $460 $1,164
2014 Nissan Sentra $172 $346 $464 $1,140
2013 Nissan Sentra $168 $322 $474 $1,122
2012 Nissan Sentra $156 $300 $474 $1,088
2011 Nissan Sentra $150 $272 $478 $1,058
2010 Nissan Sentra $140 $248 $474 $1,020
2009 Nissan Sentra $132 $226 $474 $990
2008 Nissan Sentra $128 $202 $468 $956
2007 Nissan Sentra $126 $198 $460 $942
2006 Nissan Sentra $124 $188 $452 $922
2005 Nissan Sentra $114 $180 $446 $898
2004 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 auto insurance takes having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Compare prices once a year by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following items are a condensed summary of the data that was covered in the above illustrations.

  • It is possible to save approximately $150 per year just by quoting early and online
  • Consumers who want additional liability coverage will pay an extra $500 annually to raise limits from a minimum limit to the 250/500 level
  • 16 to 18-year-old drivers are charged the highest rates, costing up to $412 per month if full coverage is included
  • Drivers with multiple at-fault accidents may have to pay on average $1,500 more annually than a driver with a clean driving record

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

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%

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 $4,948
20 $2,958
30 $1,300
40 $1,258
50 $1,154
60 $1,134

Full coverage, $500 deductibles

Rates by Deductible

Nissan Sentra Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,548
$250 $1,412
$500 $1,258
$1,000 $1,112

Full coverage, driver age 40

Rates by Liability Limit

Nissan Sentra Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,258
50/100 $1,417
100/300 $1,531
250/500 $1,828
100 CSL $1,463
300 CSL $1,714
500 CSL $1,896

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan Sentra Insurance Rates for High Risk Drivers
Age Premium
16 $7,038
20 $4,724
30 $2,802
40 $2,758
50 $2,642
60 $2,620

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 $182

Potential Rate Discounts

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

Discount Savings
Multi-policy $66
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $91
5-yr Claim Free $82
Paid in Full/EFT $55
Advance Quote $62
Online Quote $88
Total Discounts $534
Rate after discounts $724

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

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