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.

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

Estimated insurance prices for a Nissan Sentra are $1,372 every 12 months for full coverage insurance. Comprehensive costs around $254 a year, collision insurance costs $570, and liability costs $390. A liability-only policy costs as little as $452 a year, and high-risk insurance costs around $3,002. Teens pay the most at up to $5,206 a year.

Average premium for full coverage: $1,372

Premium estimates for type of coverage:

Full coverage includes $500 physical damage insurance deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and Sentra trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on auto insurance rates.

These rate differences illustrate why it is important to compare rates for a specific zip code and their own driving history, instead of using averaged prices.

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

Rate Comparisons

The chart below illustrates average Nissan Sentra insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $778
• Drivers who choose higher $1,000 deductibles will pay about $1,188 each year
• The average price for a 40-year-old good driver using $500 deductibles is $1,372
• Selecting low $100 deductibles for comprehensive and collision insurance increases the price to $1,742
• Higher-risk drivers with serious driving violations could pay at least $3,002
• An auto insurance policy to insure a teen driver can be $5,206 a year

View Chart as Image

Auto insurance prices for a Nissan Sentra also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could save up to $560 every year, while buying higher liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $351 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay as much as $5,200 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at least $1,700 to $2,300 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 138% more than the average policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Nissan Sentra insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,860 on average in Michigan, New York, 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 Shop for More Affordable Nissan Sentra Insurance

Finding better rates on car insurance not only requires being a low-risk driver, but also having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Take the time to compare rates once a year by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

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

• It is possible to save up to $170 per year just by quoting early and online
• Policyholders who may need more liability coverage will pay approximately $430 annually to go from 30/60 bodily injury limits to a 250/500 level
• Teen drivers are expensive to insure, with premiums being up to $434 per month if comprehensive and collision insurance is included
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,630 more every year to insure their Sentra

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