Finding competitive auto insurance for a Nissan Sentra relies on many rating factors such as how you use your Sentra, if you have recent claims, and blemishes on your driving record. Drivers in Texas will pay around $1,346 a year to insure their Sentra, but that figure is a projection based upon a 40-year-old single male driver with full comprehensive and collision coverage and $250 deductibles.
This brings up the issue that more than likely you aren’t exactly 40 years old or even a male, you might be married instead of single, or maybe you have a teen driver on your policy that needs to be considered. Just a minor difference in rating criteria could end up with a large change in policy price.
There is no perfect policy for every driver, so the only real way to find the cheapest coverage for your Nissan is to just compare rates yourself.
Cheapest Nissan Sentra Insurance Rates
The trim level of your Sentra has an effect on the insurance rate, so the rate you will pay to insure a Sentra 2 model will be $240 lower than the insurance cost for the fancier Sentra SE-R SPEC V version, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sentra 2 | $252 | $570 | $462 | $28 | $138 | $1,450 | $121 |
| Sentra 2.0 S | $252 | $672 | $462 | $28 | $138 | $1,552 | $129 |
| Sentra 2.0 SR | $252 | $672 | $462 | $28 | $138 | $1,552 | $129 |
| Sentra 2.0 SL | $288 | $672 | $462 | $28 | $138 | $1,588 | $132 |
| Sentra SE-R | $288 | $672 | $462 | $28 | $138 | $1,588 | $132 |
| Sentra SE-R SPEC V | $288 | $774 | $462 | $28 | $138 | $1,690 | $141 |
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rate information does not factor in specific Austin garaging location which can lower or raise insurance rates noticeably.
Selecting the highest-rated car insurance company can be challenging considering how many companies there are in Texas. The company ratings shown next can help you decide which insurers you want to consider when trying find the best insurance for a Nissan Sentra. The rankings below are for the largest companies in the United States, so smaller companies are not taken into consideration for this list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies
Impact of citations and accidents on insurance rates
The easiest way to earn the best auto insurance prices in Austin for a Sentra is to pay attention while driving and avoid accidents and traffic violations. The information below shows how violations and at-fault collisions influence yearly insurance costs for different age groups. The rate quotes are based on a married male driver, full coverage, $250 deductibles, and no other discounts are factored in.
In the previous example, the average cost of a car insurance policy in Austin per year with no violations or accidents is $2,159. Get one speeding ticket and the average cost swells to $2,479, an increase of $320 each year. Now throw in two accidents along with the one speeding ticket and the annual cost of auto insurance for a Nissan Sentra goes up to an average of $5,203. That’s an increase of $3,044, or $254 per month, just for not driving attentively!
Comparison of full coverage and liability-only policies
Saving money when shopping for auto insurance should be important to the majority of drivers, and one of the quickest ways to find cheap insurance for a Nissan Sentra is to not buy comprehensive and collision coverage. The information below visualizes the comparison of auto insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes no claims or violations, $250 deductibles, single marital status, and no discounts are taken into consideration.
On average, full coverage costs an extra $2,698 per year over and above liability only. That is a big expense that brings up the question if you should buy full coverage at all. There is no exact formula of when to drop comp and collision coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.
For example, let’s pretend your vehicle’s settlement value is $4,500 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would receive is $3,500 after paying your deductible. If premiums are more than $350 a year for full coverage, the it may be a good time to stop paying for full coverage.
Tips for finding economical auto insurance for a Nissan Sentra
The list below shows some of the better thrifty solutions that can help drivers buy more affordable coverage.
- Increase the comprehensive and collision deductibles on your policy
- Having at-fault accidents will increase rates
- Save money by insuring older vehicles for liability only
- Buy a vehicle with excellent safety ratings
- Speeding tickets and other violations increase rates
- Drivers with good credit often pay less
- Compare rate quotes often
That last tip is especially vital, as we discussed in this article. Car insurance prices fluctuate considerably, so drivers shouldn’t be reluctant to change insurance companies if you can find a cheaper rate.
Brand loyalty is great, but it’s not a great idea if your bullheadedness ends up costing you a considerable chunk of change every month. If you have a few minutes, now is a great time to compare rates and find cheaper car insurance for a Nissan Sentra in Austin.
If you have coverage questions and would like to get some professional advice when shopping for cheaper insurance for a Sentra, the agencies below can probably answer your questions and help you decide which coverages you need.
To locate an Austin insurance agent nearest to you, click the link at the bottom.
- State Farm: Charlie Anderson
12710 Research Blvd #210 – Austin, TX 78759 – (512) 258-2231 - Nationwide Insurance: Bill Russell Insurance Agency Inc
9015 Mountain Ridge Dr #350 – Austin, TX 78759 – (512) 343-1106 - AmeriFirst Insurance Agency, LLC
8300 N Mopac Expy #105 – Austin, TX 78759 – (512) 524-8808 - Central Insurance Agency, Inc.
6000 N Lamar Blvd – Austin, TX 78752 – (512) 451-6551 - EZ Insurance Agency
343 S Congress Ave – Austin, TX 78704 – (512) 444-3279