Nissan Sentra Insurance

What You Should Be Paying to Insure Your Nissan Sentra

(A quick guide on finding the right coverage)

Nissan Sentra Insurance

The Sentra has been a staple of the Nissan lineup since 1982 and has long been a favorite of automotive critics, thanks to its affordable price, fuel economy, and safety features. But how does the popularity and functionality of the Sentra relate to car insurance rates?

Work with an independent agent to find out how you can get the best price on Nissan Sentra insurance. A local agent will make insuring your Sentra quick and easy. They can shop a wide variety of companies to find the right policy for your needs while also advising you on coverage levels and discounts. 

What Kind of Insurance Do You Need for Your Nissan Sentra?

Bodily injury liability: Bodily injury liability pays for medical bills, lost wages, and additional costs associated with injuries sustained by other people in an accident if you're the at-fault driver. It will not cover your injuries. Most states have a minimum requirement for bodily injury liability insurance coverage.

Property damage liability: In the unfortunate event that your accident involves someone else's home, property, or vehicle, you'll be responsible for paying for the damage. Property liability insurance covers the cost to repair or replace damages up to the policy's limits. Like bodily injury, most states also have a minimum required property damage amount.

Medical payments/Personal injury protection: While health insurance is designed to pay for medical costs, the potential injuries sustained in an automobile accident can cost tens of thousands of dollars. With medical payments or personal injury protection insurance, your insurance company would cover those costs. If you are in an accident and you and your passengers are hurt, you'll be glad to have this coverage. 

Uninsured motorist coverage: Thirteen percent of drivers are driving without insurance or inadequate amounts of coverage to pay for damage from an accident. Uninsured and underinsured motorist coverage gives you the protection you need so you'll have coverage, even if other drivers don't have the insurance they need. 

Optional coverage:

Collision: Most accidents result in hitting something else. When you're in an accident with another vehicle or you hit something that damages your vehicle like a light post, collision coverage will pay to fix or replace your Nissan Sentra. You are only covered up to the value of your vehicle, so if you own an older Sentra, talk with your agent about how to balance premium costs and coverage amounts. 

Comprehensive: For a majority of claims that aren't covered under collision insurance, there's comprehensive coverage. This includes things like hitting an animal or your car being vandalized, comprehensive coverage will pay to repair or replace your car, minus your deductible. Like collision coverage, your comprehensive coverage only pays up to the value of your car. 

Glass coverage: Driving with a broken windshield is dangerous, but getting it fixed can be expensive. Glass coverage pays to replace or repair rock chips and broken windshields. This coverage adds a few dollars to your auto insurance premium each month. Your agent can explain the pros and cons of a zero-deductible glass coverage policy. 

Gap insurance: Drivers who have a loan or lease often owe more on their car than it's worth. If you get into an accident and your Sentra is a total loss, your insurance company will pay you its fair market value. However, there's a chance you'll still owe more on your vehicle than your insurance company pays out. With gap coverage, you'll have an extra layer of protection to help minimize the amount of money you'll owe the bank or lease company. 

What Affects the Cost of Insurance for Your Nissan Sentra?

Annual mileage

Driving more than 15,000 miles per year means that you may pay higher insurance premiums. The difference in price isn't much. As your time on the road increases, so does your risk of being involved in an accident.

Your driving record

 If you don't have a ticket or at-fault accident on your record, you could pay up to 40% less for insurance than higher-risk drivers. 

The value of your vehicle

2020 Nissan Sentra prices range from $19,310 to $21,650, depending on your trim level. Fortunately, the Nissan Sentra is a very affordable vehicle. But if you're looking to lower your premiums based on vehicle price you could invest in an older model. 

Average Nissan Sentra Insurance Costs

The average annual premium for a 2020 Nissan Sentra is $1,390 or $115 a month, making it very affordable to insure and operate. Insurance companies calculate rates on a case-by-case basis. They consider your driving record, age, and location in addition to many other factors. If you have an at-fault accident or moving violations on your driving record, your rates could be much higher. 

The safety of your Nissan Sentra

Safety features are a major factor in the Sentra’s popularity and helped it earn the Insurance Institute for Highway Safety (IIHS) highest safety rating of “Good” on all tests, including the small overlap front-impact test. Standard safety features such as antilock brakes, stability control, tire-pressure monitoring, front-seat side airbags, full-length side curtain airbags, and active front head restraints will usually result in a discount on your insurance rates. 

Advanced safety features that are available as optional equipment will drive your Sentra insurance rates even lower. Expect a significant discount if your vehicle is equipped with blind-spot monitoring, rear cross-traffic alert, or forward collision mitigation with automatic braking.

How location affects your Nissan Sentra insurance 

Drivers who live in cities generally pay more for car insurance than those who live in rural areas. 

Average annual insurance premium
Los Angeles$2,379
New York City$2,199
Chicago$1,865
Indianapolis$1,184

Additional factors that affect your Nissan Sentra insurance premiums:

  • Safety features like anti-theft devices
  • Your age
  • Your gender
  • The deductibles you choose
  • Your credit rating

Average Cost to Insure a Nissan Sentra

Average annual cost to insure a Nissan Sentra with full coverage:$1,390
Teens:$5,234
High-risk drivers:$3,038
High deductibles:$1,196
Low deductibles:$1,776
Top three most expensive states for Nissan Sentra insurance:
Michigan$2,418
Louisiana$2,062
Kentucky$1,898
Top three most affordable states for Nissan Sentra insurance: 
North Carolina$802
Virginia$834
Maine$858

Top Insurance Carriers That Insure the Nissan Sentra

According to a recent US Independent Insurance Agent Satisfaction Study by J.D. Power, these four companies offer superior service to their customers: 

  1. Progressive
  2. Safeco
  3. Travelers
  4. Auto-Owners Insurance

Where to Find Car Insurance for Nissan Sentra

If you are in the market for a Nissan Sentra, or already have one sitting in the garage, you will need the right insurance policy to help protect it.

An independent agent can help you find a Nissan Sentra car insurance plan and customize it for your specific needs. Our local agents can shop for a wide variety of insurance companies to find a policy that fits your budget and offers the greatest protection. Contact an agent today.

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