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Who Has the Cheapest Insurance Quotes for a Nissan Sentra in Virginia?

Enter your Virginia zip code below to view companies that have cheap auto insurance rates.

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: Nov 13, 2019

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Your odds of finding the best cheap car insurance for a Nissan Sentra in Virginia is dependent upon things such as when you were born, if you are a frequent claim filer, and citations or violations on your driving record. Drivers in Virginia on average pay approximately $610 per year to insure a Sentra, but that is a valuation that rates a 30-year-old married male driver who requires full coverage including both comprehensive and collision and $1,000 policy deductibles.

That rate won’t apply to everyone, because more than likely you are not 30 and possibly not even male, maybe you are single instead of married, or you just want cheap liability insurance instead of full coverage. Have just a small change in policy rating variables can make a large difference in the rate quoted for a Nissan Sentra.

Auto insurance is unique to each driver, so the way we recommend to find the most affordable coverage for your Nissan is to compare as many rates as you can. Quotes are free and easy and you will be able to see rates from some of the cheapest companies around.

Enter your zip code below to view companies that have cheap auto insurance rates.

The trim level of your vehicle will likely have an effect on the yearly cost, so the price you will pay to insure a Sentra 2 trim level will be $90 less than the price to insure the high end Sentra SE-R SPEC V model, as demonstrated by the prices below.

Nissan Sentra Insurance Rates in Virginia
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $108 $210 $258 $16 $78 $670 $56
Sentra 2.0 S $108 $248 $258 $16 $78 $708 $59
Sentra 2.0 SR $108 $248 $258 $16 $78 $708 $59
Sentra 2.0 SL $122 $248 $258 $16 $78 $722 $60
Sentra SE-R $122 $248 $258 $16 $78 $722 $60
Sentra SE-R SPEC V $122 $286 $258 $16 $78 $760 $63
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Table data does not factor in vehicle location which can raise or lower price quotes considerably.

Finding low-cost car insurance is easier said than done, and determining which company has the cheapest insurance rates for a Nissan Sentra requires a bit more work. Every insurance company uses different criteria to establish rates, so let’s rank the most competitive insurance companies in Virginia.

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Keep in mind that Virginia insurance rates are impacted by many things which can substantially decrease or increase the policy premium. This price fluctuation is why consumers need to shop around when trying to get affordable insurance quotes for a Nissan Sentra. Prices are impacted by many different factors and change dramatically, so the best company when you last compared rates may now be quite expensive.

Enter your zip code below to view companies that have cheap auto insurance rates.

Rankings for the cheapest car insurance companies in Virginia
Rank Company Cost Per Year
1 Travelers $673
2 USAA $709
3 Penn National $740
4 Cincinnati Insurance $741
5 Auto-Owners $758
6 Utica National $758
7 Erie $780
8 The Hartford $801
9 Virginia Farm Bureau $802
10 Donegal Mutual $860
11 Nationwide $963
12 Allied $992
13 GEICO $996
14 ALFA $1,018
15 National Grange Mutual $1,104
16 State Farm $1,132
17 Chubb $1,145
18 Electric $1,228
19 Progressive $1,246
20 Amica $1,267
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Travelers offers some of the cheapest car insurance rates in Virginia at around $673 each year. USAA, Penn National, Cincinnati Insurance, and Auto-Owners also make the cut as some of the cheapest Virginia insurance companies.

As illustrated above, if you are a policyholder with Cincinnati Insurance and switched to USAA, you might see annual savings of upwards of $32. Virginia drivers with Auto-Owners could save as much as $49 a year, and Utica National insureds might reduce prices by as much as $49 a year.

Understand that those premiums are averages across all drivers and vehicles in Virginia and and are not calculated with a specific rate factor for a Nissan Sentra. So the auto insurance company that can offer you the best price may not even be in the company chart above. That emphasizes why you need to compare rates from as many companies as possible using your own specific driver and vehicle information.

Enter your zip code below to view companies that have cheap auto insurance rates.

The diagram below shows how choosing a deductible can change insurance prices when searching for cheap insurance for a Nissan Sentra. The premiums assume a single male driver, full physical damage coverage, and no other discounts are factored in.

In the chart above, a 30-year-old driver could reduce rates by $312 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $470 by using a $1,000 deductible. Younger drivers, like the 20-year-old category, can save up to $934 every year by using a higher deductible. When using a larger deductible, it is necessary to have enough funds in savings to offset the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Why you should shop around for Sentra insurance

Virginia insurance rates are based on many factors which can substantially decrease or increase the price of your policy. Simply getting older, buying a home instead of renting, or getting a couple of tickets can trigger rate changes resulting in some companies being more affordable than the competition. Not only may things change on your end, but insurers amend pricing as often as every quarter to ensure their profitability. Higher than usual claims may cause price increases, while a profitable period may cause lower-cost Sentra insurance rates.

The data below shows the cheapest car insurance in Virginia for a 30-year-old male driver with no violations or accidents, and great credit. When quoting prices based on his current risk profile, Travelers might quote the most affordable car insurance rates in Virginia at $659 each year. This is $499 less than the average rate paid by Virginia drivers of $1,158. USAA, Penn National, Cincinnati Insurance, and Utica National are the remainder of the best Virginia auto insurance companies.

The next chart shows rates after we give the driver in the first example some claims, slightly worse credit, and a few blemishes on his driving record. Because every insurance company uses a different method to establish rates, comparing insurance quotes most likely will result in a slightly different list of the cheapest car insurance companies in Virginia as shown below.

Erie now has the cheapest rate in Virginia with The Hartford, Virginia Farm Bureau, Donegal Mutual, and Nationwide completing the list. This demonstrates why Virginia drivers need to do a thorough rate comparison when trying to get the most budget-friendly auto insurance quotes for a Nissan Sentra. Insurance prices are impacted by many risk factors and can change substantially, so the most economical option two years ago may now not even be in the top five.

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