Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 6, 2020

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Key takeaways:

  • Full coverage costs around $1,390 a year or $116 each month
  • A liability-only policy costs around $557 a year or $46 each month
  • Highest rates are for teenage drivers at around $5,080 a year or $423 each month
  • Good drivers can save as much as $573 a year by earning policy discounts
  • Nissan Sentra insurance costs around $129 less per year than the average vehicle

Nissan Sentra insurance rates are $116 per month for full coverage and $46 per month for liability-only coverage. You save can up to $573 per year on policy discounts. Continue reading to learn more about how to save Nissan Sentra insurance rates.

You can start comparing quotes for Nissan Sentra auto insurance rates from some of the best auto insurance companies by using our free online tool now.

Nissan Sentra Insurance Cost

The average Nissan Sentra auto insurance costs are $1,390 a year or $116 a month.

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Are Nissan Sentras Expensive to Insure?

The chart below details how Nissan Sentra insurance rates compare to other sedans like the Subaru Impreza, Chevrolet Sonic, and Chevrolet Impala.

Vehicle Comprehensive Collision Liability Total
Nissan Sentra $266 $594 $372 $1,390
Subaru Impreza $320 $542 $390 $1,410
Chevrolet Sonic $270 $536 $398 $1,362
Chevrolet Impala $280 $532 $372 $1,342
Buick Regal $306 $536 $398 $1,398
Cadillac ATS $294 $566 $398 $1,416
Cadillac CTS $320 $626 $398 $1,502
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However, there are a few things you can do to find the cheapest Nissan insurance rates online.

What Impacts the Cost of Nissan Sentra Insurance?

The Nissan Sentra trim and model you choose can impact the total price you will pay for Nissan Sentra auto insurance coverage.

Age of the Vehicle

The average Nissan Sentra auto insurance rates are higher for newer models. For example, auto insurance for a 2020 Nissan Sentra costs $1,390, while the 2010 Nissan Sentra insurance costs are $1,140, a difference of $250.

Model Year Comprehensive Collision Liability Total
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
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Driver Age

Driver age can have a significant effect on the cost of Nissan Sentra auto insurance. For example, a 20-year-old driver could pay around $142 more each month for their Nissan Sentra auto insurance than a 30-year-old driver.

Driver Location

Where you live can have a large impact on Nissan Sentra insurance rates. For example, drivers in Los Angeles may pay $199 a year more than drivers in Houston.

Your Driving Record

Your driving record can have an impact on the cost of Nissan Sentra auto insurance. Teens and drivers in their 20’s see the highest jump in their Nissan Sentra auto insurance rates with violations on their driving record.

Nissan Sentra Safety Ratings

The Nissan Sentra’s safety ratings will affect your Nissan Sentra auto insurance rates. See the chart below:

Test Type Rating
Small overlap front: driver-side Good
Small overlap front: passenger-side Good
Moderate overlap front Good
Side Good
Roof strength Not Tested
Head restraints and seats Not Tested
Source: Insurance Institute for Highway Safety
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Nissan Sentra Crash Test Ratings

Nissan Sentra crash test ratings can impact your Nissan Sentra auto insurance rates. See Nissan Sentra crash test results below:

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
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Nissan Sentra Safety Features

The more safety features you have on your Nissan Sentra, the more likely it is that you can earn a discount. The Nissan Sentra’s safety features include:

  • Electronic Stability Control (ESC)
  • ABS And Driveline Traction Control
  • Side Impact Beams
  • Dual Stage Driver And Passenger Seat-Mounted Side Airbags
  • Blind Spot Warning (BSW) Blind Spot
  • Intelligent Forward Collision Warning with AEB
  • Lane Departure Warning (LDW) Lane Departure Warning
  • Low Tire Pressure Warning
  • Dual Stage Driver And Passenger Front Airbags
  • Curtain 1st And 2nd Row Airbags
  • Airbag Occupancy Sensor
  • Driver And Passenger Knee Airbag and Rear Side-Impact Airbag
  • Rear Child Safety Locks
  • Outboard Front Lap And Shoulder Safety Belts -inc: Rear Center 3 Point, Height Adjusters and Pretensioners
  • RearView Monitor Back-Up Camera

Nissan Sentra Insurance Loss Probability

The lower percentage means lower Nissan Sentra auto insurance costs; higher percentages mean higher Nissan Sentra auto insurance costs. Compare the following Nissan Sentra auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.

Insurance Coverage Category Loss Rate
Collision 20%
Property Damage 7%
Comprehensive -19%
Personal Injury 58%
Medical Payment 79%
Bodily Injury 41%
Source: Insurance Institute for Highway Safety
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Nissan Sentra Finance and Insurance Cost

If you are financing a Nissan Sentra, you will pay more if you purchase Nissan Sentra auto insurance at the dealership, so be sure to shop around and compare Nissan Sentra auto insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Nissan Sentra Insurance

Save more on your Nissan Sentra auto insurance rates. Take a look at the following five strategies that will get you the best Nissan Sentra auto insurance rates possible.

  • Drive Your Nissan Sentra Safely
  • Re-Check Nissan Sentra Quotes Every 6 Months
  • Ask About Retiree Discounts
  • Apply for Your Full, Unrestricted License as Soon as You’re Eligible
  • Move to the Countryside

Top Nissan Sentra Insurance Companies

Several top auto insurance companies offer competitive rates for the Nissan Sentra rates based on factors like discounts for safety features. Take a look at this list of top auto insurance companies that are popular with Nissan Sentra drivers organized by market share.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Nissan Sentra Insurance Quotes Online

You can start comparing quotes for Nissan Sentra auto insurance rates from some of the best auto insurance companies by using our free online tool now.

If you’re looking for a small and affordable car that’s good on gas, then the Nissan Sentra might be the right choice for you.

If you don’t take the necessary steps to get good auto insurance for it, however, buying a Sentra may not be so cheap after all.

Find great car insurance for your Nissan Sentra now by putting your ZIP code into the FREE box!

Whether you’re thinking about buying a Nissan Sentra, or already have one, then knowing how to find cheap car insurance will reduce your ownership costs dramatically.

In addition, the good news is that if you go about it the right way, you can get affordable insurance for your Sentra and make sure you’re protected from costly damages!

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The Nissan Sentra

The auto manufacturer Nissan Motors, which is headquartered in Yokohama, Japan, makes the Nissan Sentra. The company has been building the Sentra series since the early 1980s.

Although the design of the Sentra has changed over the years, models that are more recent are small, compact sedans that are best suited for city driving.

Sentras are more than capable of handling highway conditions, but they’re not as powerful as other family orientated vehicles like SUVs or minivans. 

While some Nissan Sentra models have been two doors, most of the recent editions have four.

Due to their compact size and relatively small engines, many Sentras get a solid amount of miles per gallon.an affordable option for people looking to save money on their car.

There are several different versions of the 2012 Sentra, some of which include the 2.0, 2.0S, and the SE-R.

All four have a price tag starting under $25,000, as the 2.0 can be bought for less than $17,000, and the SE-R begins at just under $21,000.

The 2012 Sentras are equipped with a 2.0 litre, 4-cylinder engine, like the 2.0S or 2.0SL that provide 140 horsepower. Sentras with a 2.5 litre engine, like the SE-R, are capable of delivering 177 horsepower.

The SE-R Spec V model has 200-hp. You can learn more about each type of Nissan Sentra by referring to the auto manufacturer’s official website.

Average Insurance Rates

What one person pays to insure their Nissan Sentra may vary from what another driver gets charged to cover the same vehicle.

When an insurance provider calculates how much to charge you, they review several factors such as where you live, how much you drive and your driving record.

You can get an idea of what most people pay to insure their Sentra by reviewing the annual average cost.

For example, according to Automobile Magazine, the average amount owners pay to insure their 2012 Sentra is $1,514. Depending on your circumstances, an insurance provider may ask you to pay more or less than the average.

Buy a Sentra with Good Safety Ratings

The best way to get a good price on your car insurance is to buy a Sentra that has modern safety features and a solid safety rating.

The better your car prevents an accident from happening or protects its passengers in a crash the lower your insurance rates will be.

If a provider believes serious damages are likely in an accident involving your car, the more it will charge to insure it.

Some of the standard safety features for the 2012 Sentra include Nissan’s advanced airbag system, rear and front crumple areas, an energy absorbing steering column and child-safety rear door locks.

All of the models come with an immobilizer key system, which helps prevent the car from being stolen.

Additional safety features like vehicle dynamic control and traction control systems are not included with every model. While purchasing these features will cost extra money up front, it could save you money on your insurance in the long run.

According to the Insurance Institute for Highway Safety, Nissan Sentra models from 2007 through 2012 have received a good rating on moderate overlap front tests.

The 2011 and 2012 Sentras only received an acceptable rating on side impact testing, while models from 2007 through 2010 received a good rating.

Models from 2007 through 2012 received an acceptable rating on roof strength tests. The U.S. Department of Transportation’s SafeCar.gov website awarded the 2012 Nissan Sentra four out of five stars for safety.

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Choose Your Coverage Wisely

By choosing your coverage wisely, you can also get a reasonable price on your Sentra’s insurance.

While it’s necessary to carry a good amount of coverage, you may not need as much insurance as you once did.

If you’re hardly driving your car at all these days, you may not need as much coverage as someone who drives daily in busy traffic.

That said; it’s a smart idea to always have plenty of liability insurance, which helps pay for the damages you may cause to another driver or their property.

If you don’t have enough, someone could take you to court if you cause a serious accident.

Depending on what year your Sentra is, and how often you drive it, you may not need much collision insurance.

For example, if you drive an older and less valuable Sentra, then having to pay for a repair may be cheaper than buying collision insurance.

The same goes for comprehensive insurance, which pays for damages that don’t occur from an accident, like a flood or falling debris.

For example, if you’ve moved to a rural region without extreme weather, you may not need as much coverage as someone who lives in a big city that’s prone to hurricanes.

You can learn more about the different types of car insurance by referring to government sites such as California’s Department of Insurance website.

Keep a Good Driving Record

One of the most effective ways to get cheap insurance for your Sentra is to keep a good driving record.

If you cause an accident or two, or are nailed for speeding a few times, your insurance rates could rise dramatically.

If an insurance company sees that you drive safely, then they know you’re less likely to cause an accident that will cost them money.

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Pay Your Bills on Time

Many insurance companies offer lower prices to people who pay their bills on time and have a good credit rating.

Even if you’ve always paid your insurance premiums on time, but you’ve had a credit card canceled or your mortgage foreclosed, your rates could be higher.

Insurance providers offer lower prices to people they are certain will pay them their money.

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Take Driving Lessons

If you never took driving lessons, then you’ll probably pay more to insure your Sentra than someone who has.

Insurance companies believe that people who have taken driving courses are typically better and more responsible drivers.

As a result, most companies offer substantial discounts to people who have completed driving lessons.

Raise Your Deductible

You can also lower your Sentra’s premiums by agreeing to pay a higher deductible. This is only a good idea if you can afford it and you’re certain you
’ll have the money if you need it.

The deductible is how much you agree to pay personally for damages if you make a claim. If you agree to pay more, then your provider won’t have to pay as much if you’re in an accident.

As a result, the company will charge you less for your insurance. For example, if you agree to an $800 deductible, then you’ll be required to pay $800 towards the damages.

Compare Insurance Providers

One of the best ways to get a good price on your insurance is to shop around. Many different companies sell car insurance, and they’re eager to get your business.

By taking some time to compare a few offers, you could find some great deals.

An easy way to shop for insurance is by utilizing a website that compares quotes from all the leading providers.

Once you answer a few questions about your vehicle and driving background, you’ll receive estimates soon after. It won’t cost you any money, and you can do it from the comfort of your own home.

When you shop online, do a little research and see which providers have received favorable reviews from customers.

Sometimes the cheapest offer isn’t always the best one. Also, before you provide any info, be sure to check that the company or website is legitimate.

It may take a couple of extra minutes to do so, but you’ll be glad that you did in the long run.

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Try to Get a Discount

It never hurts to inquire about a discount, particularly if you have a good driving record and credit rating. Many insurance companies will offer a discount to attract your business.

If you’ve been with the same provider for a while, they may also offer one to keep you as a customer.

Many companies offer discounts to students who earn good grades, members of the military or veterans, and seniors.

Prepare yourself with insurance quotes before heading to the dealer to purchase a new Sentra.

With a little research on your part, you should have no problem finding reasonably priced insurance for your Nissan Sentra.

Locate fantastic coverage for your car now by entering your ZIP code into the FREE quote tool below!