Nissan Sentra Insurance [How to Find Low Rates Online]

Average Nissan Sentra auto insurance rates cost $1,390 a year, or around $116 a month. Finding Nissan Sentra teenager insurance rates can cost on average $5,080 a year, so shop around to find cheap coverage.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jul 17, 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 average $1,390 a year or $116 a month for full coverage. Good drivers can save up to $573 a year in policy discounts for practicing safe driving habits. Let’s take a closer look at Nissan Sentra insurance rates, safety ratings, and more.

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

Nissan Sentra Insurance Cost

The average car insurance costs for a Nissan Sentra 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 Nissan Altima, Honda Civic, and Audi S3.

Vehicle Comprehensive Collision Liability Total
Nissan Sentra $266 $594 $372 $1,390
Nissan Altima $306 $570 $390 $1,424
Honda Civic $280 $656 $420 $1,536
Audi S3 $356 $744 $264 $1,474
Ford Fusion $336 $626 $372 $1,492
Chevrolet Blazer $376 $688 $316 $1,516
Audi A3 $282 $566 $398 $1,404
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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?

Even though the average annual rate for the Nissan Sentra is $1,390, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Nissan Sentra.

Age of the Vehicle

Older Nissan Sentra models generally cost less to insure. For example, auto insurance rates for a 2020 Nissan Sentra are $1,390, while 2010 Nissan Sentra rates 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 car insurance. For example, a 20-year-old driver could pay around $142 more each month for their Nissan Sentra car 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 $765 a year more than drivers in Phoenix.

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 car insurance with violations on their driving record.

Nissan Sentra Safety Ratings

Your Nissan Sentra car insurance rates are tied to the safety ratings of the Nissan Sentra. See the breakdown 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 car 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

Most drivers don’t realize that not only do Nissan Sentra safety features play a vital role in keeping passengers safe in crashes, but they can also help lower Nissan Sentra auto insurance rates. The Nissan Sentra’s safety features include:

  • Forward collision warning
  • Pedestrian detection
  • Forward and reverse automatic emergency braking
  • Blind-spot monitoring
  • Rear cross-traffic alert
  • Automatic high-beam headlights
  • Lane departure warning
  • Driver attention monitoring
  • Rearview camera
  • Rear-seat reminder

Nissan Sentra Insurance Loss Probability

Another contributing factor that affects Nissan Sentra car insurance rates is the loss probability for each type of coverage.

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

Although it may seem like your Nissan Sentra car insurance rates are set, there are a few measures that you can take to secure the best Nissan Sentra car insurance rates possible. Take a look at the following five ways to save on Nissan Sentra auto insurance.

  • Add a More Experienced Driver to Your Nissan Sentra Policy
  • Re-Check Nissan Sentra Quotes Every 6 Months
  • Consider Nissan Sentra Insurance Costs Before Buying a Nissan Sentra
  • Compare Apples to Apples When Comparing Nissan Sentra Insurance Quotes and Policies
  • Never Drink and Drive Your Nissan Sentra

Top Nissan Sentra Insurance Companies

Who is the top auto insurance company for Nissan Sentra insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Nissan Sentra auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Nissan Sentra offers.

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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