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.

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U.S. average insurance rates for a Nissan Sentra are $1,372 a year including full coverage. Comprehensive costs around $254 a year, collision insurance costs $570, and liability is estimated at $390. Buying just liability costs approximately $452 a year, and insurance for high-risk drivers costs around $3,002. Teenage drivers pay the highest rates at up to $5,206 a year.

Average premium for full coverage: $1,372

Price estimates for individual coverage:

Price estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and Sentra trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than densely populated cities. The diagram below illustrates how rural and urban location affects auto insurance rates.

The ranges above highlight why it is important to get quotes for a specific zip code, instead of making a decision based on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $778
• Choosing higher $1,000 deductibles can save about $1,188 every year
• The estimated price for the average middle-age driver using $500 deductibles is $1,372
• Using low $100 deductibles for comp and collision coverage bumps up the cost to $1,742
• Higher-risk drivers who are prone to accidents and violations could pay at least $3,002
• The price that insures a 16-year-old driver can be $5,206 each year

View Chart as Image

Insurance prices for a Nissan Sentra are also quite variable based on the trim level of your Sentra, your driving record and age, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are likely paying at least $1,700 to $2,300 additional each year, depending on your age. A high-risk auto insurance policy ranges from 44% to 138% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $5,200 a year. View Rates by Age

The state you live in plays a big part in determining prices for Nissan Sentra insurance prices. A good driver about age 40 could pay as low as $1,050 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,960 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can save as much as $560 annually, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $351 more each year. View Rates by Deductible or Liability Limit

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 Find Cheaper Nissan Sentra Insurance

Getting lower rates on insurance for a Nissan Sentra takes having a decent driving record, having a good credit score, being claim-free, and deciding if full coverage is necessary. Compare prices every other policy renewal by quoting rates from direct car insurance companies, and also from local insurance agencies.

The following items are a condensed summary of the ideas that were raised in the charts and tables above.

• 16 to 18-year-old drivers are charged the highest prices, possibly costing $434 a month if comprehensive and collision insurance is included
• Drivers considered higher risk with multiple at-fault accidents may have to pay on average $1,630 more every year than a driver with a clean driving record
• Increasing physical damage deductibles can save approximately $550 each year
• You may be able to save up to $170 per year just by quoting early and online

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