- Nissan Sentra insurance rates average $1,488 per year or $744 for a semi-annual policy, depending on the trim level.
- The cheapest Sentra insurance is on the S trim level at an estimated $1,430 per year.
- The Sentra SR Premium is the most expensive to insure at $1,556 per year.
- The Nissan Sentra is one of the cheaper small cars to insure for the 2022 model year, costing $81 less per year on average as compared to the rest of the cars in the segment.
- Nissan Sentra car insurance rates in a few larger cities include $1,380 in Omaha, NE, $1,670 in San Diego, CA, and $926 in Raleigh, NC.
How much does Nissan Sentra insurance cost?
Nissan Sentra car insurance costs on average $1,488 annually for full coverage, or about $124 each month. Plan on paying around $81 less per year for Nissan Sentra insurance compared to the average rate for small cars, and $79 less per year than the $1,567 national average.
The following chart showcases average insurance cost for a 2022 Nissan Sentra using different driver ages and risk profiles.
|Driver Risk Profile||Annual Rate||Monthly Rate|
|High Risk Driver Age 30||$3,328||$277|
|Safe Driver Age 20||$2,916||$243|
|At-fault Accidents Age 40||$2,096||$175|
|Low Deductibles Age 40||$1,876||$156|
|Safe Driver Age 30||$1,552||$129|
|Safe Driver Age 40||$1,488||$124|
|Safe Driver Age 50||$1,354||$113|
|Safe Driver Age 60||$1,328||$111|
|High Deductibles Age 40||$1,282||$107|
|Discount Rate Age 40||$1,234||$103|
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 Ohio or Wisconsin 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 $17,132 a year for full coverage.
What is the cheapest Nissan Sentra insurance?
With Nissan Sentra car insurance rates ranging from $1,430 to $1,556 per year, the cheapest model to insure is the S. The next cheapest model to insure is the SV at $1,476 per year.
The least budget-friendly model of Nissan Sentra to insure is the SR Premium at $1,556 per year. The difference between the cheapest and most expensive models is less than $100 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 2022 model year.
|Nissan Sentra Trim Level||Annual Policy||6-month Policy||Per Month|
|SR Midnight Edition||$1,488||$744||$124|
What are average Sentra insurance rates by model year?
Nissan Sentra car insurance rates average $1,488 for a new 2022 model. Older models cost slightly less to insure each year. The table below shows average full coverage car insurance rates for 2010 to 2022 Nissan Sentra models.
|Model Year||Driver Age 20||Age 30||Age 40||Age 50||Age 60|
Is Nissan Sentra insurance expensive?
The Nissan Sentra ranks #5 out of 20 total vehicles in the 2022 compact car segment. The Sentra costs an average of $1,488 per year for full coverage insurance and the class median average cost is $1,569 annually, a difference of $81 per year.
When Sentra insurance cost is compared directly to top-selling vehicles in the small car class, insurance for a Nissan Sentra costs $22 less per year than Honda Civic insurance cost, $12 less than the cost of Toyota Corolla insurance, $232 less than Hyundai Elantra insurance rates, and $6 more 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.
|19||Mitsubishi Mirage G4||$1,728||$240|
How much does Nissan Sentra insurance cost where I live?
The cost of insuring your Sentra can range widely, from lower rates like $1,062 a year in Charlotte, NC, or $1,118 in Columbus, OH, to higher rates like $2,806 a year in New York City, NY, and $2,872 in Miami, FL.
The next chart shows average full coverage car insurance costs for a Nissan Sentra for some of the largest cities in the U.S. Additionally, a larger table is included that breaks down typical insurance rates for the top 50 biggest cities.
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 $5,390 per year for a 16-year-old driver, $4,990 per year for a 17-year-old driver, and $4,644 per year for a 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 $386 per year. Major violations such as a DUI could raise rates by an additional $1,334 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 $45 and $159 on your annual Sentra insurance bill, depending on the level of coverage purchased.
- More policy discounts means 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 $254 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 $234 per year compared to a good credit rating of 670-739. Conversely, an imperfect credit score below 579 could cost around $271 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 $206 per year for a 40-year-old driver and $388 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 $212 per year for a 40-year-old driver and $408 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 $1,720 or more per year.