Nissan Sentra Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 24, 2024
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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.
U.S. average insurance prices for a Nissan Sentra are $1,366 every 12 months with full coverage. Comprehensive insurance costs on average $244 each year, collision costs $566, and liability insurance costs $398. Liability-only insurance costs as little as $460 a year, with high-risk driver insurance costing $2,992 or more. 16-year-old drivers pay the highest rates at $5,216 a year or more.
Average premium for full coverage: $1,366
Price estimates by individual coverage:
Includes $500 physical damage insurance deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and Sentra models.
Price Range from Low to High
For an average driver, Nissan Sentra insurance prices go from the cheapest price of $460 for a discount liability-only rate to a high rate of $2,992 for high-risk insurance.
Geographic Price Range
Your location has a significant impact on auto insurance rates. Rural areas have more infrequent collision claims than congested cities.
The graphic below illustrates the effect of geographic area on car insurance rates.
The ranges above demonstrate why all drivers should compare rates based on a specific location and their own driving history, rather than relying on rate 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.
Rates by State, City, and Model
The chart below details estimated Nissan Sentra insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $774
- Drivers who choose higher $1,000 deductibles will pay around $182 annually
- The average price for the average middle-age driver with $500 deductibles is $1,366
- Buying low deductibles for comprehensive and collision insurance costs an extra $362 a year
- High risk drivers with multiple tickets or accidents could pay upwards of $2,992 or more
- The price to insure a teen driver may cost $5,216 a year
Car insurance prices for a Nissan Sentra are also quite variable based on deductibles and policy limits, your driving record, and the trim level of your Sentra.
Opting for high physical damage deductibles could save up to $550 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles could pay as little as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged upwards of $5,200 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out at a minimum $1,700 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 138% more than the average rate. View High Risk Driver Rates
The state you live in makes a big difference in Nissan Sentra insurance rates. A 40-year-old driver could pay as low as $990 a year in states like New Hampshire, Ohio, and Utah, or at least $1,850 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,236 | -$130 | -9.5% |
| Alaska | $1,050 | -$316 | -23.1% |
| Arizona | $1,134 | -$232 | -17.0% |
| Arkansas | $1,366 | -$0 | 0.0% |
| California | $1,558 | $192 | 14.1% |
| Colorado | $1,306 | -$60 | -4.4% |
| Connecticut | $1,406 | $40 | 2.9% |
| Delaware | $1,546 | $180 | 13.2% |
| Florida | $1,710 | $344 | 25.2% |
| Georgia | $1,264 | -$102 | -7.5% |
| Hawaii | $982 | -$384 | -28.1% |
| Idaho | $926 | -$440 | -32.2% |
| Illinois | $1,020 | -$346 | -25.3% |
| Indiana | $1,030 | -$336 | -24.6% |
| Iowa | $922 | -$444 | -32.5% |
| Kansas | $1,300 | -$66 | -4.8% |
| Kentucky | $1,864 | $498 | 36.5% |
| Louisiana | $2,024 | $658 | 48.2% |
| Maine | $844 | -$522 | -38.2% |
| Maryland | $1,128 | -$238 | -17.4% |
| Massachusetts | $1,094 | -$272 | -19.9% |
| Michigan | $2,376 | $1,010 | 73.9% |
| Minnesota | $1,144 | -$222 | -16.3% |
| Mississippi | $1,638 | $272 | 19.9% |
| Missouri | $1,212 | -$154 | -11.3% |
| Montana | $1,468 | $102 | 7.5% |
| Nebraska | $1,078 | -$288 | -21.1% |
| Nevada | $1,640 | $274 | 20.1% |
| New Hampshire | $986 | -$380 | -27.8% |
| New Jersey | $1,528 | $162 | 11.9% |
| New Mexico | $1,212 | -$154 | -11.3% |
| New York | $1,440 | $74 | 5.4% |
| North Carolina | $788 | -$578 | -42.3% |
| North Dakota | $1,120 | -$246 | -18.0% |
| Ohio | $944 | -$422 | -30.9% |
| Oklahoma | $1,406 | $40 | 2.9% |
| Oregon | $1,252 | -$114 | -8.3% |
| Pennsylvania | $1,304 | -$62 | -4.5% |
| Rhode Island | $1,826 | $460 | 33.7% |
| South Carolina | $1,240 | -$126 | -9.2% |
| South Dakota | $1,154 | -$212 | -15.5% |
| Tennessee | $1,198 | -$168 | -12.3% |
| Texas | $1,648 | $282 | 20.6% |
| Utah | $1,012 | -$354 | -25.9% |
| Vermont | $936 | -$430 | -31.5% |
| Virginia | $818 | -$548 | -40.1% |
| Washington | $1,058 | -$308 | -22.5% |
| West Virginia | $1,254 | -$112 | -8.2% |
| Wisconsin | $946 | -$420 | -30.7% |
| Wyoming | $1,218 | -$148 | -10.8% |
Since prices can be so different, the best way to find out exactly what you will pay is to do a rate comparison from as many companies as possible. Every company utilizes a different rate formula, so rate quotes may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Nissan Sentra 2 | $1,282 | $107 |
| Nissan Sentra 2.0 S | $1,354 | $113 |
| Nissan Sentra 2.0 SR | $1,354 | $113 |
| Nissan Sentra 2.0 SL | $1,408 | $117 |
| Nissan Sentra SE-R | $1,408 | $117 |
| Nissan Sentra SE-R SPEC V | $1,452 | $121 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Nissan Sentra | $254 | $570 | $390 | $1,372 |
| 2023 Nissan Sentra | $244 | $566 | $398 | $1,366 |
| 2022 Nissan Sentra | $236 | $552 | $416 | $1,362 |
| 2021 Nissan Sentra | $228 | $530 | $430 | $1,346 |
| 2020 Nissan Sentra | $216 | $512 | $442 | $1,328 |
| 2019 Nissan Sentra | $206 | $474 | $452 | $1,290 |
| 2018 Nissan Sentra | $198 | $446 | $456 | $1,258 |
| 2017 Nissan Sentra | $190 | $400 | $460 | $1,208 |
| 2016 Nissan Sentra | $178 | $368 | $460 | $1,164 |
| 2015 Nissan Sentra | $172 | $346 | $464 | $1,140 |
| 2014 Nissan Sentra | $168 | $322 | $474 | $1,122 |
| 2013 Nissan Sentra | $156 | $300 | $474 | $1,088 |
| 2012 Nissan Sentra | $150 | $272 | $478 | $1,058 |
| 2011 Nissan Sentra | $140 | $248 | $474 | $1,020 |
| 2010 Nissan Sentra | $132 | $226 | $474 | $990 |
| 2009 Nissan Sentra | $128 | $202 | $468 | $956 |
| 2008 Nissan Sentra | $126 | $198 | $460 | $942 |
| 2007 Nissan Sentra | $124 | $188 | $452 | $922 |
| 2006 Nissan Sentra | $114 | $180 | $446 | $898 |
| 2005 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 Cheapest Nissan Sentra Insurance
Getting lower rates on Nissan Sentra insurance not only requires being a low-risk driver, but also maintaining a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to compare rates every couple of years by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The items below are a recap of the material that was covered in the above illustrations.
- Drivers who require more liability coverage will pay around $440 every year to go from a low limit to a 250/500 level
- Teen drivers are expensive to insure, costing up to $435 a month if the policy includes full coverage
- High-risk drivers that have major violations or accidents may pay on average $1,630 more each year to insure their Sentra
- Increasing physical damage deductibles could save as much as $550 each year
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 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.
Nissan Sentra Insurance Loss Probability| 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 | $5,216 |
| 20 | $3,220 |
| 30 | $1,426 |
| 40 | $1,366 |
| 50 | $1,254 |
| 60 | $1,230 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,728 |
| $250 | $1,558 |
| $500 | $1,366 |
| $1,000 | $1,184 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,366 |
| 50/100 | $1,532 |
| 100/300 | $1,631 |
| 250/500 | $1,890 |
| 100 CSL | $1,571 |
| 300 CSL | $1,790 |
| 500 CSL | $1,950 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,444 |
| 20 | $5,130 |
| 30 | $3,060 |
| 40 | $2,992 |
| 50 | $2,862 |
| 60 | $2,840 |
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 | $72 |
| Multi-vehicle | $74 |
| Homeowner | $20 |
| 5-yr Accident Free | $105 |
| 5-yr Claim Free | $89 |
| Paid in Full/EFT | $65 |
| Advance Quote | $70 |
| Online Quote | $97 |
| Total Discounts | $592 |
Discounts are estimated and may not be available from every company or in every state.
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