Nissan Sentra Insurance Rates
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UPDATED: Jun 3, 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.
The average insurance prices for a Nissan Sentra are $1,258 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $198, collision insurance costs $446, and liability costs $456. Buying just liability costs as little as $508 a year, and insurance for high-risk drivers costs $2,758 or more. Teenage drivers cost the most to insure at up to $4,948 a year.
Average premium for full coverage: $1,258
Policy rates broken down by type of insurance:
Rate estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for all Sentra models.
Price Range Variability
For an average driver, Nissan Sentra insurance rates range from the cheapest price of $508 for basic liability insurance to the much higher price of $2,758 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Your location can make a big difference on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than densely populated cities. The example below illustrates the effect of geographic area on insurance prices.
The examples above illustrate why everyone should compare rates for a targeted area and their own driving history, instead of making a decision based on 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.
Rate Comparisons
The chart below illustrates average Nissan Sentra insurance rates for other coverage scenarios.
- The best discount rate is $724
- Drivers who choose higher $1,000 deductibles will pay approximately $146 each year
- The average price for a good driver age 40 who has $500 deductibles is $1,258
- Using pricier low deductibles for comprehensive and collision insurance costs an extra $290 annually
- Drivers who are prone to accidents and violations could pay up to $2,758
- Policy cost to insure a 16-year-old driver for full coverage can cost as much as $4,948 a year
Insurance rates for a Nissan Sentra also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.
Using high physical damage deductibles could save up to $440 annually, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay at least $4,900 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,500 to $2,100 extra every year, depending on your age. Nissan Sentra insurance for high-risk drivers can cost from 42% to 132% more than a normal policy. View High Risk Driver Rates
Your home state makes a big difference in Nissan Sentra insurance prices. A 40-year-old driver 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.
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% |
Insurance Rates by Trim Level and Model Year
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.
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 Shop for the Best Nissan Sentra Insurance
Finding cheaper rates on insurance for a Nissan Sentra not only requires being a low-risk driver, but also having good credit, being claim-free, and deciding if full coverage is necessary. Take the time to compare rates every year by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.
The items below are a brief recap of the coverage data covered in the above illustrations.
- It is possible to save approximately $150 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save as much as $425 each year
- Teen drivers are charged the highest rates, possibly costing $412 each month if they have full coverage
- Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,500 more annually 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.
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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.
Vehicle Tested | Overall | Frontal | Side | Rollover |
---|---|---|---|---|
2020 Nissan Sentra 4 DR FWD | N/R | N/R | N/R | N/R |
2019 Nissan Sentra SR Turbo 4 DR FWD | N/R | N/R | 5 stars | 4 stars |
2019 Nissan Sentra NISMO 4 DR FWD | N/R | N/R | N/R | 4 stars |
2019 Nissan Sentra 4 DR FWD | 4 stars | 4 stars | 5 stars | 4 stars |
2018 Nissan Sentra Turbo 4 DR FWD | N/R | N/R | N/R | N/R |
2018 Nissan Sentra NISMO 4 DR FWD | N/R | N/R | N/R | 4 stars |
2018 Nissan Sentra 4 DR FWD | 4 stars | 4 stars | 5 stars | 4 stars |
2017 Nissan Sentra NISMO 4 DR FWD | N/R | N/R | N/R | 4 stars |
2017 Nissan Sentra 4 DR FWD | 4 stars | 4 stars | 5 stars | 4 stars |
2016 Nissan Sentra 4 DR FWD | 4 stars | 4 stars | 5 stars | 4 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.
Insurance Coverage Category | Loss Rate |
---|---|
Collision | 20% |
Property Damage | 7% |
Comprehensive | -19% |
Personal Injury | 58% |
Medical Payment | 79% |
Bodily Injury | 41% |
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
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $1,548 |
$250 | $1,412 |
$500 | $1,258 |
$1,000 | $1,112 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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