Nissan Sentra Car Insurance Guide: Rates, Comparisons & Trends

Are car insurance rates expensive for a Nissan Sentra?

We scrutinized rate quotes from the cheapest S model up to the SR trim level to see how the Sentra ranks against similar small cars.

Start a Free QuoteCompare Nissan Sentra car insurance quotes and save on your next policy.

  • Nissan Sentra insurance rates average $2,146 per year or $1,073 for a semi-annual policy, depending on the trim level.
  • The cheapest Sentra insurance is on the S trim level at an estimated $2,098 per year.
  • The Sentra SR is the most expensive to insure at $2,206 per year.
  • The Nissan Sentra is one of the cheaper small cars to insure for the 2024 model year, costing $169 less per year on average as compared to the rest of the cars in the segment.

How much does Nissan Sentra insurance cost?

Nissan Sentra car insurance costs on average $2,146 annually for full coverage, or about $179 each month. Plan on paying around $169 less per year for Nissan Sentra insurance compared to the average rate for small cars, and $75 less per year than the $2,221 national average.

The graphic below showcases the average insurance cost for a 2024 Nissan Sentra using different driver ages and risk profiles.

Average 2024 Nissan Sentra insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2024 Nissan Sentra insurance premiums for different driver ages and risk scenarios. Updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Rates by driver age assume full coverage with $500 deductibles with UM/UIM coverage included. Discount rates include all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates by credit rating assume a 40-year-old driver with full coverage and $500 deductibles. Rates by deductible assume a 40-year-old driver with good credit and no prior driving violations or at-fault accidents. Rates are averaged for all 2024 Nissan Sentra trim levels.

2024 Nissan Sentra Insurance Cost Summary
Driver Age Driver Risk Profile Annual Premium Cost Per Month
16Teenage Driver$7,652$638
17Teenage Driver$7,344$612
18Teenage Driver$6,453$538
25High-Risk Driver$5,154$430
40High-Risk Driver$4,708$392
60High-Risk Driver$4,246$354
25Safe Driver$2,480$207
40Safe Driver$2,146$179
60Safe Driver$1,790$149
25Driver Qualifies for Multiple Discounts$2,056$171
40Driver Qualifies for Multiple Discounts$1,780$148
60Driver Qualifies for Multiple Discounts$1,490$124
40Driver with Fair Credit (580-669)$2,483$207
40Driver with Good Credit (670-739)$2,146$179
40Driver with Very Good Credit (740-799)$1,976$165
40Driver has Low Policy Deductibles ($250)$2,454$205
40Driver has Average Policy Deductibles ($500)$2,146$179
40Driver has High Policy Deductibles ($1,000)$1,848$154

Data Methodology: Rates by driver age assume full coverage with $500 deductibles with UM/UIM coverage included. Discount rates include all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates by credit rating assume a 40-year-old driver with full coverage and $500 deductibles. Rates by deductible assume a 40-year-old driver with good credit and no prior driving violations or at-fault accidents. Rates are averaged for all 2024 Nissan Sentra trim levels.

To give you a better understanding of how variable rates are for a Sentra, keep in mind that insuring a Nissan Sentra for only liability insurance in the most affordable parts of Virginia or North Carolina can be as cheap as $221 a year.

For an identical Nissan Sentra, a teen driver with a bad speeding habit in some areas of Louisiana could get a bill for $16,290 a year for full coverage.

Your location is a very big factor when it comes to car insurance rates, so we included a Zip Code box below the graphic above. This allows you to get price quotes based on your exact location and also the exact trim level of Sentra you drive, which we discuss in the next section.

What is the cheapest Nissan Sentra insurance?

With Nissan Sentra car insurance rates ranging from $2,098 to $2,206 per year, the cheapest model to insure is the S trim. The next cheapest model to insure is the SV at $2,136 per year.

The least budget-friendly model of Nissan Sentra to insure is the SR at $2,206 per year.

The next table details the average annual and semi-annual policy costs, plus a monthly insurance rate, for each Nissan Sentra trim for the 2024 model year.

2024 Nissan Sentra Insurance Rates by Trim Level
2024 Nissan Sentra Trim Level Annual Premium Cost Per Month
S$2,098$175
SV$2,136$178
SR$2,206$184

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated June 26, 2025

Insurance cost by trim level for a 2024 Nissan Sentra ranging from the S model at $2,098 per year to the SR model at $2,206
Insurance cost by trim level for a 2024 Nissan Sentra ranging from the S model at $2,098 per year to the SR model at $2,206

What are average Sentra insurance rates by model year?

Nissan Sentra car insurance rates average $2,146 for a new 2024 model. Older models cost slightly less to insure each year. The table below shows average full coverage car insurance rates for 2010 to 2024 Nissan Sentra models.

Nissan Sentra Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2024 Nissan Sentra$4,240$2,146$1,790
2023 Nissan Sentra$4,172$2,108$1,758
2022 Nissan Sentra$4,136$2,082$1,738
2021 Nissan Sentra$3,708$1,872$1,562
2020 Nissan Sentra$3,606$1,820$1,518
2019 Nissan Sentra$3,648$1,842$1,542
2018 Nissan Sentra$3,484$1,760$1,476
2017 Nissan Sentra$3,240$1,642$1,380
2016 Nissan Sentra$3,144$1,590$1,338
2015 Nissan Sentra$2,752$1,398$1,176
2014 Nissan Sentra$2,586$1,312$1,104
2013 Nissan Sentra$2,632$1,330$1,122
2012 Nissan Sentra$2,579$1,303$1,100
2011 Nissan Sentra$2,528$1,277$1,078
2010 Nissan Sentra$2,477$1,252$1,056

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Nissan Sentra trim levels for each model year. Updated June 26, 2025

Average insurance rates for 2010 to 2024 Nissan Sentra models for drivers age 20, 40 and 60
Average insurance rates for 2010 to 2024 Nissan Sentra models for drivers age 20, 40 and 60

Is Nissan Sentra insurance expensive?

The Nissan Sentra ranks fourth out of 15 total vehicles in the 2024 compact car segment. The Sentra costs an average of $2,146 per year for full coverage insurance and the class median average cost is $2,315 annually, a difference of $169 per year.

When Sentra insurance cost is compared directly to top-selling vehicles in the small car class, insurance for a Nissan Sentra costs $72 more per year than Honda Civic insurance cost, $136 less than the cost of Toyota Corolla insurance, $396 less than Hyundai Elantra insurance rates, and $224 less than Jetta insurance cost.

The table below shows how the average Sentra car insurance rate compares to other models in the compact car segment like the Chevy Spark, Kia Rio, and Toyota Prius.

Nissan Sentra Insurance Cost vs Other Compact Cars
Rank Make and Model Annual Premium Difference
1Toyota GR Corolla$2,034-$112
2Nissan Leaf$2,052-$94
3Honda Civic$2,074-$72
4Nissan Sentra$2,146--
5Subaru Impreza$2,154$8
6Toyota Prius$2,188$42
7Toyota Corolla$2,282$136
8Kia Forte$2,288$142
9Nissan Versa$2,310$164
10Mitsubishi Mirage G4$2,364$218
11Volkswagen Jetta$2,370$224
12Mazda 3$2,424$278
13Hyundai Elantra$2,542$396
14Volkswagen Golf$2,586$440
15Toyota Mirai$2,916$770

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2024 model year. Updated June 26, 2025

At $2,146 per year, insurance cost for a 2024 Nissan Sentra ranks fourth out of 15 models in the small car segment
At $2,146 per year, insurance cost for a 2024 Nissan Sentra ranks fourth out of 15 models in the small car segment

The 2024 Sentra has an average purchase price of $21,970 which ranges from $20,630 to $23,720, depending on the trim level and options. How does the cost to insure a Sentra compare to other similarly-priced vehicles? Let’s take a look.

The four compact car models with a purchase price closest to the Sentra for the 2024 model year are the Kia Forte, Toyota Corolla, Subaru Impreza, and Mitsubishi Mirage G4. The data below shows how those models compare to a 2024 Nissan Sentra for both initial purchase price and average car insurance policy cost.

  • Compared to the Kia Forte – The Kia Forte has an average MSRP of $22,410 ($19,790 to $25,190), which is $440 more expensive than the average MSRP for the Nissan Sentra. Drivers can expect to pay around $142 more every 12 months to insure the Kia Forte compared to a Sentra.
  • Compared to the Toyota Corolla – The average MSRP for a 2024 Nissan Sentra is $3,228 cheaper than the Toyota Corolla, at $21,970 compared to $25,198. Buying car insurance for the Toyota Corolla costs an average of $136 more each year than the Nissan Sentra.
  • Compared to the Subaru Impreza – For a new model, the sticker price on the Subaru Impreza averages $3,322 more than the average cost of the Nissan Sentra ($25,292 compared to $21,970). Anticipate paying an average of $8 more each year for insurance on the Subaru Impreza compared to a Sentra.
  • Compared to the Mitsubishi Mirage G4 – The 2024 Nissan Sentra has an average MSRP that is $3,375 more expensive than the Mitsubishi Mirage G4 ($21,970 versus $18,595). Insurance on a Nissan Sentra costs an average of $218 less per year than the Mitsubishi Mirage G4.

For additional comparisons, please see our cost comparison index page which provides links to many more makes and models.

Average insurance rates by location

The cost of insuring your Sentra can range widely, from lower rates like $1,802 a year in Charlotte, NC, or $1,856 in Columbus, OH, to higher rates like $3,486 a year in New York City, NY, and $2,836 in Miami, FL.

Sentra auto insurance rates in other cities include El Paso, TX, averaging $2,098 per year, Kansas City, MO, at $2,586, Seattle, WA, costing $2,296, and Fresno, CA, at an estimated $2,484.

The next chart shows average full coverage car insurance costs for a Nissan Sentra for some of the largest cities in the U.S.

Average car insurance rates for a 2024 Nissan Sentra in larger U.S. cities.
Figure 2: Average car insurance rates for a 2024 Nissan Sentra in larger U.S. cities. Rates updated on June 26, 2025.

Data Methodology: Average car insurance rates for a 2024 Nissan Sentra assume a 40-year-old married male driver with no driving violations or at-fault accidents in the last three years. Comprehensive and collision deductibles are $500, UM/UIM and medical payments coverage is included, and rates are averaged for all trim levels and U.S. Zip Codes.

Nissan Sentra Insurance Rates by Location
Location Annual Premium Cost Per Month
New York, NY$3,486$291
Philadelphia, PA$3,170$264
Las Vegas, NV$3,162$264
Los Angeles, CA$3,156$263
San Francisco, CA$2,824$235
Kansas City, MO$2,586$216
Oklahoma City, OK$2,586$216
Denver, CO$2,548$212
Memphis, TN$2,548$212
Atlanta, GA$2,524$210
San Jose, CA$2,470$206
Phoenix, AZ$2,424$202
Portland, OR$2,402$200
San Diego, CA$2,390$199
Boston, MA$2,386$199
Chicago, IL$2,338$195
Dallas, TX$2,308$192
Houston, TX$2,302$192
Seattle, WA$2,296$191
Jacksonville, FL$2,248$187
Nashville, TN$2,234$186
Milwaukee, WI$2,224$185
Albuquerque, NM$2,198$183
San Antonio, TX$2,152$179
Omaha, NE$2,110$176
Fort Worth, TX$2,100$175
Austin, TX$2,080$173
Indianapolis, IN$1,956$163
Columbus, OH$1,856$155
Charlotte, NC$1,802$150

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for a 2024 Nissan Sentra and all Zip Codes in each city. Updated June 26, 2025

Some additional noteworthy observations as they relate to Nissan Sentra insurance cost include:

  • Teenagers are the most expensive age group to insure. Average rates for full coverage Sentra insurance costs $7,652 per year for a 16-year-old driver, $7,344 per year for a 17-year-old driver, and $6,453 per year for an 18-year-old driver.
  • Avoid tickets to save money. To receive the lowest Sentra insurance rates, it pays to follow the law. Not surprisingly, just one or two traffic citations could raise the price of a policy by as much as $568 per year. Major violations such as a DUI could raise rates by an additional $1,952 or more.
  • Your job could save you money. Some car insurance providers offer policy discounts for being employed in occupations like police officers and law enforcement, firefighters, engineers, members of the military, college professors, and other occupations. By qualifying for an occupational discount, you may save between $64 and $228 on your annual Sentra insurance bill, depending on the level of coverage purchased.
  • More policy discounts mean cheap Nissan Sentra car insurance rates. Discounts may be available if the insured drivers are senior citizens, drive low annual mileage, are military or federal employees, insure multiple vehicles on the same policy, drive a vehicle with safety or anti-theft features, or many other policy discounts which could save the average driver as much as $366 per year on their insurance cost.
  • Improve your credit for cheaper auto insurance rates. An excellent credit rating above 800 could save as much as $337 per year compared to a good credit rating of 670-739. Conversely, an imperfect credit score below 579 could cost around $391 more per year.
  • Lower the cost of your policy by increasing deductibles. Boosting your physical damage deductibles from $500 to $1,000 could save around $298 per year for a 40-year-old driver and $560 per year for a 20-year-old driver.
  • Low physical damage deductibles may be wasting money. Decreasing deductibles from $500 to $250 could cost an additional $308 per year for a 40-year-old driver and $588 per year for a 20-year-old driver.
  • Prepare for sticker shock for high-risk insurance. For a 50-year-old driver, being required to buy a high-risk insurance policy could inflate rates by $2,494 or more per year.

Ryan GrabensteinDuring his career as an independent insurance agent, Ryan Grabenstein was appointed with Progressive, Allstate, Nationwide, Travelers, and many smaller regional and mutual companies. He has a Bachelor's degree in Finance from the University of Nebraska at Lincoln and Certified Insurance Counselor (CIC) personal and commercial lines training.