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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...

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UPDATED: Apr 9, 2020

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Nissan Sentra insurance
Need help finding cheap Nissan Sentra insurance rates? Our guide breaks down insurance costs that will help you decipher everything from 2018 Nissan Sentra insurance costs to 2011 Nissan Sentra costs, so read on to learn how to save.

Ready to start shopping for Nissan Sentra rates? Enter your ZIP code in our free tool above.

Average insurance prices for a Nissan Sentra are $1,390 every 12 months for full coverage. Comprehensive costs approximately $266 a year, collision costs $594, and liability is estimated at $372. Buying just liability costs approximately $438 a year, with insurance for high-risk drivers costing around $3,038. Teens receive the highest rates at $5,234 a year or more.

Average premium for full coverage: $1,390

Rate estimates by individual coverage type:

Comprehensive $266
Collision $594
Liability $372

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

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range go from the cheapest price of $438 for minimum levels of liability insurance to a high of $3,038 for coverage for higher-risk drivers.

Liability Only $438
Full Coverage $1,390
High Risk $3,038

Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Rural locations tend to have more infrequent accident claims than cities with more traffic congestion.

The diagram below illustrates the difference location can make on auto insurance prices.

Rural Areas $1,043
Small Cities $1,460
Large Cities $1,877

These examples show why it is important to get quotes using their specific location and their own driving history, instead of making a decision based on averaged prices.

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.

Additional Rate Details

The chart below shows estimated Nissan Sentra insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $786
  • Choosing higher $1,000 deductibles can save $1,196 a year
  • The average price for a 40-year-old driver who chooses $500 deductibles is $1,390
  • Selecting low $100 deductibles for comp and collision coverage increases the price to $1,776
  • Higher-risk drivers with serious driving violations could pay around $3,038 or more
  • The cost to insure a 16-year-old driver can cost $5,234 each year

View Chart as Image

Nissan Sentra insurance cost comparison chart
Column chart showing full coverage Nissan Sentra insurance rates range from $786 to $5,234

Auto insurance rates for a Nissan Sentra can also vary considerably based on policy deductibles and limits, your driver profile, and the model of your Sentra.

Choosing higher comprehensive and collision insurance deductibles can save as much as $580 annually, while buying higher liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $335 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as low as $1,300 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay in the ballpark of $5,200 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $1,700 to $2,300 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges from 44% to 136% more than the average policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Nissan Sentra insurance prices. A good driver about age 40 could pay as low as $920 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,990 on average in New York, Louisiana, and Michigan.

Nissan Sentra Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,258 -$132 -9.5%
Alaska $1,068 -$322 -23.2%
Arizona $1,154 -$236 -17.0%
Arkansas $1,390 -$0 0.0%
California $1,586 $196 14.1%
Colorado $1,330 -$60 -4.3%
Connecticut $1,430 $40 2.9%
Delaware $1,576 $186 13.4%
Florida $1,742 $352 25.3%
Georgia $1,284 -$106 -7.6%
Hawaii $1,000 -$390 -28.1%
Idaho $940 -$450 -32.4%
Illinois $1,036 -$354 -25.5%
Indiana $1,048 -$342 -24.6%
Iowa $940 -$450 -32.4%
Kansas $1,324 -$66 -4.7%
Kentucky $1,898 $508 36.5%
Louisiana $2,062 $672 48.3%
Maine $858 -$532 -38.3%
Maryland $1,148 -$242 -17.4%
Massachusetts $1,114 -$276 -19.9%
Michigan $2,418 $1,028 74.0%
Minnesota $1,166 -$224 -16.1%
Mississippi $1,668 $278 20.0%
Missouri $1,234 -$156 -11.2%
Montana $1,494 $104 7.5%
Nebraska $1,098 -$292 -21.0%
Nevada $1,668 $278 20.0%
New Hampshire $1,002 -$388 -27.9%
New Jersey $1,556 $166 11.9%
New Mexico $1,232 -$158 -11.4%
New York $1,466 $76 5.5%
North Carolina $802 -$588 -42.3%
North Dakota $1,138 -$252 -18.1%
Ohio $960 -$430 -30.9%
Oklahoma $1,430 $40 2.9%
Oregon $1,274 -$116 -8.3%
Pennsylvania $1,328 -$62 -4.5%
Rhode Island $1,856 $466 33.5%
South Carolina $1,262 -$128 -9.2%
South Dakota $1,176 -$214 -15.4%
Tennessee $1,220 -$170 -12.2%
Texas $1,678 $288 20.7%
Utah $1,032 -$358 -25.8%
Vermont $952 -$438 -31.5%
Virginia $834 -$556 -40.0%
Washington $1,076 -$314 -22.6%
West Virginia $1,274 -$116 -8.3%
Wisconsin $964 -$426 -30.6%
Wyoming $1,240 -$150 -10.8%

View Chart as Image

Nissan Sentra insurance rates by U.S. city

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to get quotes from multiple companies. Each auto insurer calculates rates differently, and quoted rates can be significantly different.

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 $1,302 $109
Nissan Sentra 2.0 S $1,378 $115
Nissan Sentra 2.0 SR $1,378 $115
Nissan Sentra 2.0 SL $1,436 $120
Nissan Sentra SE-R $1,436 $120
Nissan Sentra SE-R SPEC V $1,480 $123

Rates assume 2020 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
2020 Nissan Sentra $266 $594 $372 $1,390
2019 Nissan Sentra $254 $570 $390 $1,372
2018 Nissan Sentra $244 $566 $398 $1,366
2017 Nissan Sentra $236 $552 $416 $1,362
2016 Nissan Sentra $228 $530 $430 $1,346
2015 Nissan Sentra $216 $512 $442 $1,328
2014 Nissan Sentra $206 $474 $452 $1,290
2013 Nissan Sentra $198 $446 $456 $1,258
2012 Nissan Sentra $190 $400 $460 $1,208
2011 Nissan Sentra $178 $368 $460 $1,164
2010 Nissan Sentra $172 $346 $464 $1,140
2009 Nissan Sentra $168 $322 $474 $1,122
2008 Nissan Sentra $156 $300 $474 $1,088
2007 Nissan Sentra $150 $272 $478 $1,058
2006 Nissan Sentra $140 $248 $474 $1,020
2005 Nissan Sentra $132 $226 $474 $990
2004 Nissan Sentra $128 $202 $468 $956
2003 Nissan Sentra $126 $198 $460 $942
2002 Nissan Sentra $124 $188 $452 $922
2001 Nissan Sentra $114 $180 $446 $898

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 Cheaper Nissan Sentra Insurance

Saving money on insurance for a Nissan Sentra takes not taking risks behind the wheel, having a good credit score, eliminating unneeded coverage, and not having any coverage lapses. Make time to compare rates at least once a year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following is a condensed summary of the primary concepts that were touched on in this article.

  • Drivers can save around $170 per year simply by quoting early and online
  • Drivers considered higher risk with multiple at-fault accidents may pay on average $1,650 more per year for Sentra insurance
  • Increasing deductibles could save as much as $575 each year
  • Teens have the highest car insurance rates, costing as high as $436 per month if comprehensive and collision insurance is included

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.

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.

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, as 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.

Enter your ZIP code in our free 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 $5,234
20 $3,266
30 $1,456
40 $1,390
50 $1,272
60 $1,248

Full coverage, $500 deductibles

Rates by Deductible

Nissan Sentra Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,776
$250 $1,594
$500 $1,390
$1,000 $1,196

Full coverage, driver age 40

Rates by Liability Limit

Nissan Sentra Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,390
50/100 $1,554
100/300 $1,647
250/500 $1,889
100 CSL $1,592
300 CSL $1,796
500 CSL $1,945

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan Sentra Insurance Rates for High Risk Drivers
Age Premium
16 $7,476
20 $5,196
30 $3,108
40 $3,038
50 $2,902
60 $2,878

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 $200

Potential Rate Discounts

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

Discount Savings
Multi-policy $74
Multi-vehicle $74
Homeowner $20
5-yr Accident Free $108
5-yr Claim Free $91
Paid in Full/EFT $67
Advance Quote $71
Online Quote $99
Total Discounts $604
Rate after discounts $786

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

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