Updated: January 15, 2025
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Policy rates depend heavily on your age. MoneyGeek found that a 16-year-old driver pays an average of $6,128 annually to insure a 2009 Nissan Sentra — but 40-year-old drivers insuring the same year only pay $1,320. A 16-year-old can expect to pay $7,290 annually to insure a 2022 model, while a 40-year-old will pay a yearly average of $1,611.
We also gathered information about the best insurance providers that balance affordability with service and claims handling.
When insuring a Nissan Sentra, affordability plays a significant role in selecting the right policy. Based on the data you provided, State Farm emerges as the most affordable option for both full and minimum coverage.
Full Coverage:
- Cheapest Insurer: State Farm
- Annual Premium: $1,090
For full coverage, State Farm not only provides the lowest rate but also boasts a high MoneyGeek score of 90 out of 100, indicating a balance of affordability and good service quality. On the other hand, Farmers offers the most expensive full coverage at $1,762 per year.
Minimum Coverage:
- Cheapest Insurer: State Farm
- Annual Premium: $499
Similarly, for minimum coverage, State Farm offers the least expensive policy. Farmers again holds the most expensive spot, with rates at $849 annually.
For different model years and age groups, the most affordable insurer varies slightly, but State Farm consistently remains the top choice. Specifically, for the 2009 model, State Farm charges $965 annually, and for the 2022 model, the rate is slightly higher at $1,295 annually. This insurer also offers the cheapest rate for 16-year-old drivers, pricing a 2022 model at $4,158 per year, whereas Farmers charges $9,987 for the same demographic.
When choosing insurance, it's vital to compare rates and consider the service quality as well. While State Farm provides affordability, it also ranks highly for customer service, ensuring overall satisfaction.
Based on the provided data, the best car insurance provider for a Nissan Sentra is State Farm. They offer competitive rates across various model years and age demographics while maintaining high customer satisfaction scores. Here’s a detailed breakdown:
1. State Farm for a 2009 Nissan Sentra:
- MoneyGeek Score: 90 out of 100
- Annual Premium for a 40-year-old: $965
- Annual Premium for a 16-year-old: Not specified, but typically higher than for older drivers.
2. State Farm for a 2022 Nissan Sentra:
- MoneyGeek Score: 90 out of 100
- Annual Premium for a 40-year-old: $1,295
- Annual Premium for a 16-year-old: $4,158
Other Considerations:
- GEICO: Another strong contender with a MoneyGeek score of 88 out of 100 and an annual premium of $1,181 for the Nissan Sentra, offers a good balance of cost and service.
- Farmers: Tends to be the most expensive option both for full and minimum coverage.
State Farm is noted for its affordability, high customer satisfaction, and efficient claims management, making it a top choice for insuring a Nissan Sentra. For those particularly concerned with affordability, shopping around and comparing rates is always recommended.
Car insurance premiums are significantly influenced by the driver's age. This is primarily due to risk assessments made by insurance companies, which consider various factors including experience, likelihood of accidents, and overall risk associated with different age groups.
Impact of Age on Car Insurance Premiums
1. Teenagers (e.g., 16-year-olds):
- Teen drivers, particularly those as young as 16, are considered high-risk due to their inexperience on the road. As a result, insurance premiums for this age group are noticeably higher.
- For a 2009 Nissan Sentra, a 16-year-old driver might pay approximately $6,128 annually, while for a 2022 model, they could pay around $7,290 annually.
- These higher rates are because teens represent a higher likelihood of being involved in accidents, and insurers factor this risk into their pricing.
2. Middle-Aged Adults (e.g., 40-year-olds):
- By the time drivers reach 40, they usually benefit from much lower insurance rates. This age group typically exhibits lower risk profiles, benefiting from years of driving experience and steadier financial situations.
- A 40-year-old driver would pay around $1,320 annually to insure a 2009 Nissan Sentra, compared to $1,611 for a 2022 model.
- Insurance rates continue to decline with age, often leveling off in the 20s and stabilizing further as drivers reach their 40s, reflecting the decreased likelihood of accidents compared to younger drivers.
Decrease in Rates Over Time
Insurance costs tend to decrease steadily from the late teens through the 20s as drivers gain experience and can demonstrate responsible driving behavior. As drivers move into their 30s and beyond, car insurance premiums become more stable, reflecting a balance between driving experience and risk.
Example Rate Comparison
- Nissan Sentra (2009 Model):
- 16-year-old: $6,128 annually
- 40-year-old: $1,320 annually
- Nissan Sentra (2022 Model):
- 16-year-old: $7,290 annually
- 40-year-old: $1,611 annually
Overall, as drivers age, the decrease in rates is attributed to accumulated experience and often a reduced number of claims. It is crucial for young drivers to consider strategies like being added to a family insurance plan to reduce costs while building their driving history.
Choosing the Right Insurer
The choice of insurer also plays a significant role. For instance, State Farm offers more affordable rates and high customer satisfaction, making it a preferred choice for Nissan Sentra drivers seeking both cost-effectiveness and quality service.
For young drivers and families alike, shopping around and comparing different insurers is recommended to find the best balance of cost, coverage, and service quality.
Why Trust MoneyGeek? We collected thousands of car insurance quotes from Quadrant Information Services to analyze the average rates for a Nissan Sentra.
These rates were updated to reflect the average cost of car insurance for a Nissan Sentra as of 2023.
On average, Nissan Sentra owners pay $1,491 per year for car insurance. However, the actual price you'll pay depends on the insurance provider you choose. State Farm carries the least expensive full coverage policy for a Nissan Sentra at an average annual price of $1,090. Farmers is the most expensive, charging an average of $1,762 annually.
For minimum coverage, you’ll also find the cheapest rates with State Farm, which charges $499 annually. Farmers has the most expensive rates, as its policies cost an annual average of $849. You can find the cheapest car insurance policies by shopping around and comparing rates.
| State Farm | $1,090 |
| GEICO | $1,181 |
| Allstate | $1,468 |
| Travelers | $1,507 |
| Nationwide | $1,539 |
| Progressive | $1,618 |
| Farmers | $1,762 |
The insurance providers consider a variety of factors when determining how much to charge for Nissan Sentra insurance. With an MSRP of $20,905 for the 2022 model year and data from the National Highway Traffic Safety Administration (NHTSA) indicating a relatively higher theft rate for this model, insurers may set moderately higher rates for coverage.
While considering the annual rates offered by various providers is crucial when shopping for a car insurance policy, it is equally important to identify the best auto insurance providers based on their customer service and efficient claims management.
MoneyGeek found the companies offering the best car insurance for the Nissan Sentra to be:
State Farm scored the highest for affordability and came second for customer satisfaction among its competitors, indicating that it provides policyholders with an overall positive experience at a reasonable price point.
Offers the most affordable premiums among competitors
Second-highest customer satisfaction rating
Offers essentials like rental car reimbursement and roadside assistance
Limited selection of add-on coverage options
MoneyGeek picked State Farm as the best option for insuring a Nissan Sentra, as the company offers the lowest rates among the insurance providers we compared. It also has a high customer satisfaction score, indicating that it resolves policyholder complaints promptly. While you won’t find many unique coverage options with this insurer, essential standard coverages like rental car reimbursement and roadside assistance are available with State Farm.
Adding rental car and travel reimbursement coverage can be beneficial when your vehicle is undergoing repairs, and you require a rental vehicle. This coverage can help with car rental and transportation costs up to a predetermined limit. Additionally, if an accident involving the rental car occurs, it may even cover up to $500 of your deductible.
Its roadside assistance coverage helps pay for various expenses you may incur in an unexpected breakdown. This coverage includes costs for mechanical labor, locksmith labor, towing services and oil, gas or battery delivery.
Charges the second-cheapest annual rates
Third-best customer satisfaction rating
Provides mechanical breakdown insurance (MBI) and other common coverage options
Poor claims management score
GEICO is a suitable choice for insuring a Nissan Sentra, offering the second-cheapest rates and receiving positive ratings for customer satisfaction. In addition to standard coverages, GEICO provides mechanical breakdown and classic car insurance.
Mechanical breakdown insurance is a unique coverage option that offers more protection than a typical dealer's extended warranty. Not only does MBI cost less, but it also provides coverage for all systems and parts of your car. It can be added to your plan if you own or lease a new car that's less than 15 months old with fewer than 15,000 miles.
GEICO also offers standard options like accident forgiveness, which ensures that your premiums do not increase after an at-fault accident. You can purchase or earn this coverage if you're over 21 and maintain an accident-free driving record for at least five years.
Nissan Sentra owners with a 2009 model can expect to pay around $1,320 per year, while the average car insurance cost for 2022 models is higher at $1,611 per year. Insurance companies typically charge higher premiums for newer models due to their increased values and replacement costs. On the other hand, older cars tend to depreciate in value over time, resulting in relatively lower insurance costs.
| 2022 | $1,611 |
| 2021 | $1,593 |
| 2020 | $1,530 |
| 2019 | $1,527 |
| 2018 | $1,496 |
| 2017 | $1,444 |
| 2016 | $1,450 |
| 2015 | $1,428 |
| 2014 | $1,367 |
| 2013 | $1,364 |
| 2012 | $1,334 |
| 2011 | $1,300 |
| 2010 | $1,324 |
| 2009 | $1,320 |
Your car's model year and the insurer you buy your policy from determine your average cost of car insurance. State Farm offers the most affordable rates for a 2009 Nissan Sentra at $965 per year. It's also the cheapest option for a 2022 model, charging an annual $1,295.
| State Farm | $1,295 |
| GEICO | $1,306 |
| Nationwide | $1,620 |
| Travelers | $1,704 |
| Allstate | $1,764 |
| Progressive | $1,797 |
| Farmers | $1,975 |
On average, car insurance rates for teenagers and young adults are much more expensive than for drivers in their 30s and older. Coverage for 16-year-old motorists costs $6,596 annually, while 40-year-olds pay an annual average of $1,435 per year.
As teen drivers age, policy prices generally decrease and tend to level off during their 20s.
Teens buying individual plans will pay higher rates, so the most affordable way to insure a teenager is to add them to a family plan. State Farm offers the cheapest rates for a 16-year-old insuring a 2022 Nissan Sentra at $4,158 annually. Farmers charges the most expensive rates for the same model at $9,987 per year.
We advise shopping around and comparing rates to find the cheapest and most suitable teen car insurance policies.
| State Farm | $4,158 |
| GEICO | $6,128 |
| Nationwide | $6,504 |
| Travelers | $6,818 |
| Allstate | $8,197 |
| Progressive | $9,509 |
| Farmers | $9,987 |
The cost of your insurance policy will be influenced by your car's model year and your age. Note that your location can sometimes have an even more significant impact on the policy cost.
The most affordable auto insurer also differs based on your location. MoneyGeek found that Idaho is the least expensive state for car insurance, with an annual cost of $299. Florida stands out as the most expensive state, with a cost of $1,058 per year.
We recommend gathering quotes from the cheapest car insurance companies in your area when looking to insure your Nissan Sentra.
| Alabama | Nationwide | $709 | $59 |
| Alaska | State Farm | $699 | $58 |
| Arizona | Root Insurance Company | $682 | $57 |
| Arkansas | State Farm | $629 | $52 |
| California | AAA California | $1,001 | $83 |
| Colorado | American National P&C | $541 | $45 |
| Connecticut | GEICO | $693 | $58 |
| Delaware | State Farm | $881 | $73 |
| District of Columbia | GEICO | $662 | $55 |
| Florida | State Farm | $1,058 | $88 |
| Georgia | Country Financial | $665 | $55 |
| Hawaii | GEICO | $565 | $47 |
| Idaho | American National P&C | $299 | $25 |
| Illinois | Country Financial | $663 | $55 |
| Indiana | American Family | $555 | $46 |
| Iowa | State Farm | $509 | $42 |
| Kansas | Nationwide | $670 | $56 |
| Kentucky | Nationwide | $790 | $66 |
| Louisiana | Louisiana Farm Bureau | $1,048 | $87 |
| Maine | Concord Group | $521 | $43 |
| Maryland | Progressive | $938 | $78 |
| Massachusetts | State Farm | $483 | $40 |
| Michigan | GEICO | $898 | $75 |
| Minnesota | State Farm | $797 | $66 |
| Mississippi | Direct General Insurance | $723 | $60 |
| Missouri | Nationwide | $909 | $76 |
| Montana | Progressive | $437 | $36 |
| Nebraska | American National P&C | $405 | $34 |
| Nevada | CSAA | $940 | $78 |
| New Hampshire | State Farm | $540 | $45 |
| New Jersey | Plymouth Rock Assurance | $895 | $75 |
| New Mexico | State Farm | $644 | $54 |
| New York | Kemper | $781 | $65 |
| North Carolina | Erie | $630 | $52 |
| North Dakota | American Family | $616 | $51 |
| Ohio | Nationwide | $485 | $40 |
| Oklahoma | State Farm | $662 | $55 |
| Oregon | State Farm | $706 | $59 |
| Pennsylvania | Nationwide | $580 | $48 |
| Rhode Island | State Farm | $700 | $58 |
| South Carolina | American National P&C | $463 | $39 |
| South Dakota | Allstate | $746 | $62 |
| Tennessee | State Farm | $579 | $48 |
| Texas | State Farm | $699 | $58 |
| Utah | Nationwide | $725 | $60 |
| Vermont | State Farm | $493 | $41 |
| Virginia | American Family | $601 | $50 |
| Washington | PEMCO | $534 | $44 |
| West Virginia | Erie | $784 | $65 |
| Wisconsin | GEICO | $556 | $46 |
| Wyoming | State Farm | $745 | $62 |
When drivers explore car insurance costs for a Nissan Sentra, they often inquire about affordability and service quality. We answered some frequently asked questions regarding these topics.
MoneyGeek found that the average cost of car insurance for a Nissan Sentra is $1,491, which is neither cheap nor excessively expensive compared to the $2,415 average for all other models.
State Farm offers the cheapest car insurance for a Nissan Sentra at a rate of $1,090 per year.
State Farm provides the best car insurance for a Nissan Sentra, earning an impressive overall MoneyGeek score of 90 out of 100. State Farm offers competitive pricing with an average annual premium of $1,090. It has the highest affordability score and achieved the second-highest customer satisfaction rating among competitors like GEICO and Farmers.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
