Nissan Sentra Insurance Rates for 2022

How much does Nissan Sentra insurance cost? We compared car insurance rates from the base S sedan up to the SR Premium model to find out how prices ranked against all other compact cars.

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  • Nissan Sentra insurance rates average $1,476 per year or $738 for a semi-annual policy, depending on the trim level.
  • The cheapest Sentra insurance is on the S trim level at an estimated $1,418 per year.
  • The Sentra SR Premium is the most expensive to insure at $1,544 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 $1,476 annually for full coverage, or about $123 each month. Plan on paying around $81 less per year for Nissan Sentra insurance compared to the average rate for small cars, and $75 less per year than the $1,551 national average.

The following chart showcases average insurance cost for a 2022 Nissan Sentra using different driver ages and risk profiles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year Nissan Sentra with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Nissan Sentra trim levels.Data last updated on April 20, 2022
Nissan Sentra Insurance Cost Summary
Nissan Sentra Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,300$275
Safe Driver Age 20$2,894$241
At-fault Accidents Age 40$2,080$173
Low Deductibles Age 40$1,862$155
Safe Driver Age 30$1,540$128
Safe Driver Age 40$1,476$123
Safe Driver Age 50$1,346$112
Safe Driver Age 60$1,316$110
High Deductibles Age 40$1,274$106
Discount Rate Age 40$1,226$102

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 $1,418 to $1,544 per year, the cheapest model to insure is the S. The next cheapest model to insure is the SV at $1,464 per year.

The least budget-friendly model of Nissan Sentra to insure is the SR Premium at $1,544 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.

2022 Nissan Sentra Insurance Cost by Trim Level
Nissan Sentra Trim Level Annual Policy 6-month Policy Per Month
S$1,418$709$118
SV$1,464$732$122
SR$1,474$737$123
SR Midnight Edition$1,478$739$123
SR Premium$1,544$772$129

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Nissan Sentra, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 13, 2022
Nissan Sentra Insurance Cost by Trim Level

What are average Sentra insurance rates by model year?

Nissan Sentra car insurance rates average $1,476 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.

Nissan Sentra Insurance Cost for 2010-2022 Models
Model Year Driver Age 20 Age 30 Age 40 Age 50 Age 60
2022$2,894$1,540$1,476$1,346$1,316
2021$2,588$1,382$1,322$1,204$1,176
2020$2,546$1,356$1,298$1,184$1,158
2019$2,622$1,390$1,340$1,220$1,192
2018$2,564$1,354$1,308$1,194$1,166
2017$2,400$1,264$1,226$1,118$1,092
2016$2,372$1,246$1,210$1,104$1,078
2015$2,114$1,118$1,080$984$964
2014$1,970$1,038$1,006$920$900
2013$1,998$1,046$1,018$928$910
2012$1,958$1,025$998$909$892
2011$1,919$1,005$978$891$874
2010$1,881$984$958$873$856

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 13, 2022
Nissan Sentra Insurance Cost by Model Year

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 $1,476 per year for full coverage insurance and the class median average cost is $1,557 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, $10 less than the cost of Toyota Corolla insurance, $230 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.

Nissan Sentra Insurance Cost vs Other Compact Cars
Rank Make/Model Insurance Cost Difference
1Subaru Impreza$1,312-$164
2Chevrolet Spark$1,320-$156
3Volkswagen Golf$1,456-$20
4Volkswagen Jetta$1,470-$6
5Nissan Sentra$1,476--
6Toyota Corolla$1,486$10
7Kia Rio$1,494$18
8Honda Civic$1,498$22
9Mazda 3$1,500$24
10Toyota Prius$1,512$36
11Hyundai Accent$1,530$54
12Hyundai Veloster$1,546$70
13Kia Forte$1,550$74
14Nissan Leaf$1,616$140
15Hyundai Ioniq$1,620$144
16Honda Clarity$1,666$190
17Hyundai Elantra$1,706$230
18Nissan Versa$1,708$232
19Mitsubishi Mirage G4$1,714$238
20Toyota Mirai$1,956$480

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 13, 2022
Nissan Sentra Insurance Cost vs Other Compact Cars

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.

Sentra auto insurance rates in other cities include El Paso, TX, averaging $1,370 per year, Kansas City, MO, at $1,874, Seattle, WA, costing $1,574, and Fresno, CA, at an estimated $1,766.

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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2022 Nissan Sentra, 40-year-old married male driver with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are the average for all Nissan Sentra trim levels.Data last updated on March 13, 2022
Nissan Sentra Insurance Rates in Large U.S. Cities
Nissan Sentra Insurance Rates by Location
City/State Annual Rate Monthly Rate
Detroit, MI$5,818$485
New Orleans, LA$3,476$290
Miami, FL$2,872$239
New York, NY$2,806$234
Philadelphia, PA$2,476$206
Las Vegas, NV$2,470$206
Los Angeles, CA$2,464$205
Louisville, KY$2,362$197
San Francisco, CA$2,122$177
Jacksonville, FL$2,108$176
Oakland, CA$2,104$175
Sacramento, CA$1,992$166
Baltimore, MD$1,948$162
Long Beach, CA$1,930$161
Tulsa, OK$1,884$157
Kansas City, MO$1,874$156
Oklahoma City, OK$1,874$156
Denver, CO$1,834$153
Memphis, TN$1,834$153
Atlanta, GA$1,810$151
Colorado Springs, CO$1,792$149
Fresno, CA$1,766$147
San Jose, CA$1,756$146
Phoenix, AZ$1,708$142
Portland, OR$1,684$140
San Diego, CA$1,670$139
Boston, MA$1,664$139
Wichita, KS$1,618$135
Chicago, IL$1,616$135
Dallas, TX$1,588$132
Houston, TX$1,580$132
Seattle, WA$1,574$131
Minneapolis, MN$1,562$130
Birmingham, AL$1,558$130
Nashville, TN$1,510$126
Milwaukee, WI$1,502$125
Mesa, AZ$1,496$125
Indianapolis, IN$1,496$125
Albuquerque, NM$1,472$123
Tucson, AZ$1,442$120
San Antonio, TX$1,422$119
Omaha, NE$1,380$115
El Paso, TX$1,370$114
Fort Worth, TX$1,370$114
Austin, TX$1,352$113
Cleveland, OH$1,178$98
Columbus, OH$1,118$93
Charlotte, NC$1,062$89
Virginia Beach, VA$998$83
Raleigh, NC$926$77

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 $5,348 per year for a 16-year-old driver, $4,948 per year for a 17-year-old driver, and $4,606 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 $382 per year. Major violations such as a DUI could raise rates by an additional $1,324 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 $44 and $158 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 $250 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 $232 per year compared to a good credit rating of 670-739. Conversely, an imperfect credit score below 579 could cost around $269 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 $202 per year for a 40-year-old driver and $386 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 $210 per year for a 40-year-old driver and $406 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 $1,702 or more per year.