- Nissan Sentra insurance rates average $1,636 per year or $818 for a semi-annual policy, depending on the trim level.
- The cheapest Sentra insurance is on the S trim level at an estimated $1,588 per year.
- The Sentra SR Midnight Edition is the most expensive to insure at $1,678 per year.
- The Nissan Sentra is one of the cheaper small cars to insure for the 2023 model year, costing $121 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 $1,636 annually for full coverage, or about $136 each month. Plan on paying around $121 less per year for Nissan Sentra insurance compared to the average rate for small cars, and $49 less per year than the $1,685 national average.
The following chart showcases average insurance cost for a 2023 Nissan Sentra using different driver ages and risk profiles.
|Driver Risk Profile||Annual Rate||Monthly Rate|
|High Risk Driver Age 30||$3,658||$305|
|Safe Driver Age 20||$3,208||$267|
|At-fault Accidents Age 40||$2,304||$192|
|Low Deductibles Age 40||$2,062||$172|
|Safe Driver Age 30||$1,708||$142|
|Safe Driver Age 40||$1,636||$136|
|Safe Driver Age 50||$1,492||$124|
|Safe Driver Age 60||$1,460||$122|
|High Deductibles Age 40||$1,410||$118|
|Discount Rate Age 40||$1,360||$113|
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 $13,980 a year for full coverage.
What is the cheapest Nissan Sentra insurance?
With Nissan Sentra car insurance rates ranging from $1,588 to $1,678 per year, the cheapest model to insure is the S trim. The next cheapest model to insure is the SV at $1,616 per year.
The least budget-friendly model of Nissan Sentra to insure is the SR Midnight Edition at $1,678 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 2023 model year.
|Nissan Sentra Trim Level||Annual Policy||Six-Month Policy||Per Month|
|SR Midnight Edition||$1,678||$839||$140|
What are average Sentra insurance rates by model year?
Nissan Sentra car insurance rates average $1,636 for a new 2023 model. Older models cost slightly less to insure each year. The table below shows average full coverage car insurance rates for 2010 to 2023 Nissan Sentra models.
|Model Year and Vehicle||Driver Age 20||Driver Age 40||Driver Age 60|
|2023 Nissan Sentra||$3,208||$1,636||$1,460|
|2022 Nissan Sentra||$3,182||$1,616||$1,444|
|2021 Nissan Sentra||$2,854||$1,456||$1,296|
|2020 Nissan Sentra||$2,820||$1,438||$1,280|
|2019 Nissan Sentra||$2,880||$1,470||$1,312|
|2018 Nissan Sentra||$2,814||$1,432||$1,280|
|2017 Nissan Sentra||$2,616||$1,334||$1,190|
|2016 Nissan Sentra||$2,596||$1,322||$1,182|
|2015 Nissan Sentra||$2,276||$1,168||$1,038|
|2014 Nissan Sentra||$2,142||$1,092||$974|
|2013 Nissan Sentra||$2,176||$1,106||$990|
|2012 Nissan Sentra||$2,132||$1,084||$970|
|2011 Nissan Sentra||$2,090||$1,062||$951|
|2010 Nissan Sentra||$2,048||$1,041||$932|
Is Nissan Sentra insurance expensive?
The Nissan Sentra ranks third out of 15 total vehicles in the 2023 compact car segment. The Sentra costs an average of $1,636 per year for full coverage insurance and the class median average cost is $1,757 annually, a difference of $121 per year.
When Sentra insurance cost is compared directly to top-selling vehicles in the small car class, insurance for a Nissan Sentra costs $92 less per year than Honda Civic insurance cost, $20 less than the cost of Toyota Corolla insurance, $292 less than Hyundai Elantra insurance rates, and $26 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.
|10||Mitsubishi Mirage G4||$1,738||$102|
|14||Toyota GR Corolla||$2,004||$368|
The 2023 Sentra has an average purchase price of $21,769 which ranges from $19,950 to $23,395, 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 2023 model year are the Kia Forte, Subaru Impreza, Toyota Corolla, and Volkswagen Jetta. The data below shows how those models compare to a 2023 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 $22,050 ($19,490 to $24,890), which is $281 more expensive than the average MSRP for the Nissan Sentra. Drivers can expect to pay around $94 more every 12 months to insure the Kia Forte compared to a Sentra.
- Compared to the Subaru Impreza – The average MSRP for a 2023 Nissan Sentra is $1,512 cheaper than the Subaru Impreza, at $21,769 compared to $23,281. Buying car insurance for the Subaru Impreza costs an average of $174 less each year than the Nissan Sentra.
- Compared to the Toyota Corolla – For a new model, the sticker price on the Toyota Corolla averages $2,755 more than the average cost of the Nissan Sentra ($24,524 compared to $21,769). Anticipate paying an average of $20 more each year for insurance on the Toyota Corolla compared to a Sentra.
- Compared to the Volkswagen Jetta – The 2023 Nissan Sentra has an average MSRP that is $3,546 cheaper than the Volkswagen Jetta ($21,769 versus $25,315). Insurance on a Nissan Sentra costs an average of $26 more per year than the Volkswagen Jetta.
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 $1,160 a year in Charlotte, NC, or $1,214 in Columbus, OH, to higher rates like $2,884 a year in New York City, NY, and $2,360 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.
|City/State||Annual Rate||Monthly Rate|
|New York, NY||$2,884||$240|
|Las Vegas, NV||$2,554||$213|
|Los Angeles, CA||$2,544||$212|
|San Francisco, CA||$2,206||$184|
|Kansas City, MO||$1,962||$164|
|Oklahoma City, OK||$1,962||$164|
|San Jose, CA||$1,844||$154|
|San Diego, CA||$1,764||$147|
|San Antonio, TX||$1,514||$126|
|Fort Worth, TX||$1,466||$122|
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 $5,932 per year for a 16-year-old driver, $5,484 per year for a 17-year-old driver, and $5,104 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 $424 per year. Major violations such as a DUI could raise rates by an additional $1,470 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 $49 and $178 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 $276 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 $257 per year compared to a good credit rating of 670-739. Conversely, an imperfect credit score below 579 could cost around $298 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 $226 per year for a 40-year-old driver and $426 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 $232 per year for a 40-year-old driver and $444 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 $1,886 or more per year.