Nissan Sentra Auto Insurance (2023)
Nissan Sentra insurance rates are $1,390 a year, or around $116 a month on average. Teens pay the highest rates at up to $5,080 a year, while good drivers may only pay $817.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
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UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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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 |
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 |
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 | |
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 | ||||
|---|---|---|---|---|
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 | |
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 | |||
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 air bag 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.
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!
Frequently Asked Questions
What factors can affect the cost of auto insurance for a Nissan Sentra?
Several factors can influence the cost of auto insurance for a Nissan Sentra. These factors include your driving history, age, location, the model and year of your Sentra, your insurance deductible, coverage limits, and any optional add-ons you choose, such as comprehensive or collision coverage.
Is Nissan Sentra considered an expensive vehicle to insure?
The cost of insuring a Nissan Sentra is generally affordable compared to some higher-end or luxury vehicles. However, insurance rates can vary depending on various factors, such as the specific model, your location, and your personal driving profile. It’s recommended to obtain quotes from different insurance providers to determine the best rate for your specific situation.
Are there any specific safety features of the Nissan Sentra that could lower insurance costs?
Yes, the safety features of the Nissan Sentra can potentially help lower your insurance costs. The Sentra typically comes equipped with safety features such as anti-lock brakes, stability control, traction control, airbags, and possibly advanced driver assistance systems. These safety features may make you eligible for discounts with certain insurance companies.
Should I consider purchasing additional coverage for my Nissan Sentra?
The decision to purchase additional coverage for your Nissan Sentra depends on your individual circumstances and preferences. While liability insurance is typically required by law, you may want to consider optional coverages such as comprehensive and collision coverage to provide extra protection for your vehicle. These coverages can help pay for damages to your Sentra caused by accidents, theft, vandalism, or natural disasters.
Can I get discounts on insurance for my Nissan Sentra?
Yes, you may be eligible for various discounts on your Nissan Sentra auto insurance. Insurance companies often offer discounts for factors such as bundling multiple policies, having a good driving record, being a safe driver, completing defensive driving courses, having certain safety features installed in your vehicle, and being a member of certain professional organizations or alumni associations. Be sure to inquire about available discounts with your insurance provider.
Is it possible to transfer my current insurance policy to a new Nissan Sentra?
Yes, it is typically possible to transfer your current insurance policy to a new Nissan Sentra. However, it’s important to inform your insurance provider about the change in your vehicle to ensure that you have the appropriate coverage for your new Sentra. The insurance premiums may also change based on the new vehicle’s specifications and other factors.
Can I choose any insurance provider for my Nissan Sentra?
Yes, you have the freedom to choose any insurance provider for your Nissan Sentra. It’s recommended to research and compare quotes from multiple insurance companies to find the best coverage options and rates for your specific needs. Consider factors such as the company’s reputation, customer service, coverage options, and discounts available to make an informed decision.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.