Nissan Sentra Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs more to insure a Nissan Sentra than the average car.

• Liability only auto insurance prices for a Sentra come in at around $95 per month, while full coverage normally comes in at about $192.

• ACG is the cheapest insurance carrier for a Sentra with a national average of just $36 a month for liability only coverage.

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Sentra Overview

With base prices starting at just $19,410 for new 2021 models, the Nissan Sentra is a great budget-friendly car for drivers of all types. There's a Sentra for every driver, with three different trim options available.

We ran through thousands of auto insurance quotes on Compare.com, and we've determined that average Nissan Sentra car insurance premiums run around $193 monthly. But compared to other vehicles in the market, are Sentra auto insurance rates higher or lower than those of similar cars?

How Much is Car Insurance for a Nissan Sentra?

Looking at the table above, you'll find that Nissan Sentra insurance prices are higher than average. Sentra owners usually pay about $192 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $95 a month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference between these types of insurance).

When compared to other models, the Sentra is slightly more expensive, with premiums more than 5% higher than the other vehicle types offered by Nissan. Likewise, Sentra coverage is above average when compared to other vehicles of a similar body style, with both full coverage and liability only insurance averaging more expensive rates than other cars.

When compared to all vehicles, regardless of make, model, or body style, the Sentra follows a similar pattern of having above average car insurance premiums.

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Who has the Cheapest Car Insurance for a Nissan Sentra?

In the market for a car insurance policy for your Nissan Sentra? You're probably wondering which company offers the lowest prices. Although rates can vary quite significantly depending on your driver profile, the most affordable average rates for liability only insurance are sometimes as little as $36 per month from ACG. The next lowest carrier is CaliforniaCasualty, who offers insurance as low as $38 a month.

MetroMile, Kemper Personal Insurance, and Hallmark round out the rest of the top 5 list. But just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

After all, your results might be different, since auto insurance carriers look at a wide array of different things when calculating rates. By pulling quotes from a wide array of insurance companies at once, you can rest easy knowing that you're finding the most affordable rate.

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What Factors Affect Car Insurance Rates for a Nissan Sentra?

There are several factors that car insurance carriers look at to choose how much to charge you for a policy -- and every company weighs certain factors more than others, so there's not one carrier that's the lowest for each Sentra owner.

Here are just a few of the variables car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

The Nissan Sentra has been around for a while -- that means vehicle age will likely play a role in what you end up paying for insurance. Normally, older cars will be cheaper to insure because they're worth less than newer models, and as cars age, insurance costs will gradually get lower.

Based on the above table, the Nissan Sentra is in line with this trend, as the most expensive models to insure are those that are 2 to 3 years old, while on average, the cheapest models are Sentras that are 15 years old or more.

Your Age

Your age is another variable that makes a significant difference in how much auto insurance companies will charge you for car insurance. Based on the information in the table above, drivers with more experience on the road have more affordable prices compared to the youngest drivers. Nissan Sentra drivers under 18 actually pay more than twice as much as those 25 or older.

Car insurance prices continue to decrease as you get older, with drivers aged 55-64 making up the cheapest age group for the Sentra.

Your Gender

Because women are less likely to get speeding tickets and get into accidents, they are less likely to file a claim with insurance. So, women generally pay less for insurance than men. The Nissan Sentra follows this convention, and men pay around $9 more than women monthly for car insurance.

Where You Live

You may already know that things like what vehicle you drive and how old you are play a role in your auto insurance premiums, but did you know that where you live can have just as much as an impact? Insurance is regulated on a state-by-state basis, so rates fluctuate quite a bit depending on which state you call home.

For example, the average Nissan Sentra driver from New York pays about $230 per month for liability coverage, while on average, the same owner in California will pay less than 50% of that price. The chart shows average prices for the top 10 most populous states, just to give you a good idea of how much rates can change between states.

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Nissan Sentra Car Insurance Discounts

No matter what state you call home, how old you are, or what vehicle you drive, using as many discounts as possible when it comes to your insurance policy is always the smart move.

While no two car insurance carriers offer the same exact discounts, there are a few different ones that you'll find with most companies. These include discounts like:

• Multi-car discounts for having more than one vehicle on your auto policy
• Pay-in-full discounts for drivers who agree to pay their entire policy premium up front, rather than by monthly payments
• Defensive driving discounts for taking a defensive driving class through a certified school or institution
• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like anti-lock brakes or air bags)

While discounts are always a good way to save money on your auto insurance, sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like not having recent insurance claims, avoiding lapses in coverage, and driving safely.

You obviously can't control every single aspect of your car insurance profile (like some of the attributes we mentioned above), but there is quite a bit that you can control. Below are just a few of the ones you can use in your favor in order to save money on auto insurance:

Your Driving Record

You've almost certainly seen ads from insurance carriers posting big discounts for responsible drivers. It follows that if you get into a collision or get cited for speeding, car insurance prices will increase. But how much will they cost you?

If you look at the table above, you'll see that accidents will usually cost Sentra drivers more than tickets, but both will result in above average rates. Nissan Sentra drivers with one accident on their record pay an average of $113 each month (up $18 from the $95/mo. overall average), while drivers with a single ticket will pay about $107 a month. The rates only get higher the more accidents you have or tickets you get.

How Much You Drive

How much you drive impacts your auto insurance premiums. Those who drive less often are less likely to get tickets, so they'll typically get cheaper rates. In the above table, you can see that Nissan Sentra owners who drive fewer than 2,500 miles per year pay about $86 monthly for insurance, while those who put 10,000 miles or more on their cars pay $94.

But if you don't drive much because have a second vehicle or you work from home, you might consider getting a usage-based or pay-per-mile auto insurance policy. With these policies, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do Nissan Sentras Compare to Other Vehicles?

If you're considering buying a new vehicle and a Nissan Sentra is on your shortlist, it might be helpful to do your homework. Auto insurance is just one cost that comes with a new car purchase, but it's guaranteed to be one that's worth thinking about carefully.

Check out the table below to see how the Nissan Sentra stacks up:

Overall, the Nissan Sentra is a fantastic value when it comes to price, with an MSRP that's less than half of the going rate for a new vehicle. The Sentra retails at $19,410, which is much cheaper than the national average vehicle price of $46,179.

Although the purchase price is on the cheaper end of the spectrum, insurance premiums run above average when compared to other vehicles on the market. Full coverage insurance for a Nissan Sentra is around $31 per month more than average, while liability only coverage is $5 higher a month.

When it comes to usage, Nissan Sentra drivers are pretty close to the national average in annual miles driven, with 11,660 miles a year for all vehicles compared to the Sentra's 12,328 every year.

Nissan Sentra Car Insurance Costs by Model Year

So far, you've seen how different variables have an impact on how much the average driver pays for car insurance. But if you're in the market for a new car, truck, or SUV and the Sentra is on your wishlist, knowing what you can expect to pay for the specific vehicle you're looking at can be extremely valuable as you weigh your options.

That's why we've crunched the numbers and broken down Nissan Sentra auto insurance prices by model year. Find the model year you want in the dropdown to see average rates for both full coverage and liability only options, as well as some other helpful info, like available trims, the cheapest insurance company, and base price for each Sentra model year.

Choose Your Model

2021 Nissan Sentra Car Insurance 2020 Nissan Sentra Car Insurance 2019 Nissan Sentra Car Insurance 2018 Nissan Sentra Car Insurance 2017 Nissan Sentra Car Insurance 2016 Nissan Sentra Car Insurance 2015 Nissan Sentra Car Insurance 2014 Nissan Sentra Car Insurance 2013 Nissan Sentra Car Insurance 2012 Nissan Sentra Car Insurance 2011 Nissan Sentra Car Insurance 2010 Nissan Sentra Car Insurance 2009 Nissan Sentra Car Insurance

2021 Nissan Sentra Car Insurance

As we saw above, if you're considering a brand new 2021 vehicle, the latest Nissan Sentra is a fantastic option for your budget.

The average 2021 Nissan Sentra normally costs about $86 monthly to insure for liability only and $200 per month for full coverage. And if you want the cheapest insurance possible, Hugo offers liability only policies for as cheap as just $22 a month.

While it helps to know the average price drivers pay to insure a 2021 Sentra, the only way to find out exactly what you'll pay is to get a personalized quote. Luckily, Compare.com will gather quotes from several companies for you, all for free. Just enter your ZIP code below to get started.

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2020 Nissan Sentra Car Insurance

If you're looking to buy a 2020 Sentra or already own one, you can expect an average car insurance rate of around $242 for full coverage or $112 for a liability only policy.

And if you're just looking for the lowest insurance for your Sentra, Gainsco offers liability only policies for as cheap as $30 per month.

Interested in what your car insurance premium could look like? Enter your ZIP code below to get multiple free customized quotes.

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2019 Nissan Sentra Car Insurance

It costs about $109 monthly for liability or $219 for a full coverage policy for the 2019 Sentra.

Hugo has premiums sometimes as low as $19 per month for the 2019 Nissan Sentra.

If you want to know just how much your rate will be, just enter your ZIP code below and get free quotes in minutes.

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2018 Nissan Sentra Car Insurance

The average cost to insure a 2018 Nissan Sentra with liability only coverage is $115 monthly, while full coverage runs around $229 a month.

With prices as little as $17 monthly, Mile Auto offered the cheapest policy we found.

If you're looking for a more exact figure on what you should pay for insurance for a 2018 Nissan Sentra, you can get free quotes in minutes by just entering your ZIP code below.

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2017 Nissan Sentra Car Insurance

2017 Sentra drivers can expect to pay an average of $107 a month for liability or $208 for full coverage.

Looking for the most affordable policy? Hugo offered liability only coverage for as low as just $17 per month.

If you want to know exactly how much you can expect to pay for your Sentra, get free quotes in minutes by just entering your ZIP code below.

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2016 Nissan Sentra Car Insurance

You can expect full coverage for a 2016 Nissan Sentra to run about $193 a month, while liability only coverage will average around $91 per month.

With rates sometimes as cheap as $17 monthly, Hugo offered the lowest policy we found for the 2016 Nissan Sentra.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2015 Nissan Sentra Car Insurance

On average, drivers who own a 2015 Sentra can expect to pay $102 to $192 a month for liability only and full coverage auto insurance, respectively.

If you're looking for the cheapest possible 2015 Nissan Sentra insurance policy, MetLife offered the most affordable policy we found, with rates as little as just $19 monthly.

Want to know exactly what your insurance price will be? Just enter your ZIP code below to get lots of free customized quotes.

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2014 Nissan Sentra Car Insurance

2014 Nissan Sentra drivers can expect to pay an average of $97 per month for liability or $183 for full coverage.

Good2Go offered the cheapest policy we found, with rates sometimes as low as $220/mo monthly.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2013 Nissan Sentra Car Insurance

On average, drivers who own a 2013 Sentra can expect to pay $103 to $185 a month for liability only and full coverage auto insurance, respectively.

We found MetLife offered the most affordable policy, with rates as low as just $19 per month.

What will your car insurance premium be? Just enter your ZIP code below to get a variety of free personalized quotes.

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2012 Nissan Sentra Car Insurance

You can expect full coverage for a 2012 Nissan Sentra to run about $172 monthly, while liability only coverage will average around $91 per month.

With prices sometimes as little as $18 a month, Gainsco offered the lowest policy we found for the 2012 Nissan Sentra.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2011 Nissan Sentra Car Insurance

It costs about $102 monthly for liability or $172 for a full coverage policy for the 2011 Sentra.

AnswerFinancial offered the cheapest policy we found, with rates as low as $20 per month.

These average rates are a great starting point if you're in the market for a 2011 Nissan Sentra, but there are a lot of different factors that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2010 Nissan Sentra Car Insurance

The average cost to insure a 2010 Nissan Sentra with liability only coverage is $99 a month, while full coverage runs around $176 per month.

If you're looking for the lowest possible 2010 Nissan Sentra insurance policy, MetLife offered the most affordable policy we found, with rates as cheap as just $19 a month.

If you want to find the best premiums for auto insurance for a 2010 Nissan Sentra, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2009 Nissan Sentra Car Insurance

2009 Sentra drivers can expect to pay an average of $92 monthly for liability or $163 for full coverage.

Looking for the cheapest policy? Clearcover offered liability only coverage for sometimes as cheap as $19 per month.

Interested in just how much you'll pay? Get several free customized quotes by just entering your ZIP code below.

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Nissan Sentra Insurance FAQs

Is a Nissan Sentra expensive to insure?

Liability insurance runs an average of $95 a month, while full coverage will cost you around $192. The Nissan Sentra is relatively expensive to insure compared to the average car.

How can I get the best price on car insurance for my Nissan Sentra?

The only way to be confident you're getting the lowest price on car insurance is to regularly shop around and compare quotes from a whole range of carriers. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from an array of companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Nissan Sentra affect my insurance premiums?

Have you heard that it is more expensive to insure red cars that silver or white vehicles before? Well, that's simply not true. Even though there are many variables insurance carriers consider when they offer you a premium, your car's color is not factored into that decision.

Do I need to have insurance before I buy a Nissan Sentra?

Before you can legally drive your new (or new to you) Sentra off the dealership lot, you'll need to have valid auto insurance for it. Some dealerships might offer you an auto insurance policy as part of the car-buying process, but your best bet is letting your insurance carrier know before you buy.

What car insurance discounts can I get for my Nissan Sentra?

You will find all sorts of discounts out there when it comes to car insurance. Many of them (like "pay-in-full discounts" and "multi-policy discounts") are based less on your Nissan Sentra and more on you, but if your Sentra has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may be eligible for certain discounts. To learn more about which discounts you may qualify for, get in touch with your insurance company and ask about which discounts they offer.