Annual full coverage insurance costs for a Nissan Sentra range from $990 to $6,217. Rates vary greatly depending on the car's model year, your age, location, driving history, coverage level and insurer. MoneyGeek breaks down Nissan Sentra insurance costs and coverage, offering insights into the best companies and affordable insurers.
Nissan Sentra Insurance Cost
Updated: March 25, 2025
Key Takeaways
State Farm provides the most affordable minimum coverage across all Nissan Sentra model years at $499 annually.
For a Nissan Sentra, the average annual insurance cost is $654 for minimum coverage and $1,418 for full coverage.
Our analysis of 4,183 quotes from Quadrant Information Services provides comprehensive data to help you make informed insurance decisions.
Nissan Sentra Insurance Rates
What Is the Average Nissan Sentra Car Insurance Cost?
Insuring a Nissan Sentra with full coverage costs about $118 per month or $1,418 annually, based on a 40-year-old male driver with a clean record. Minimum coverage averages $54 per month or $654 per year.
| Minimum Coverage | $654 |
| Full Coverage | $1,418 |
Read more: Average Cost of Car Insurance
Nissan Sentra Insurance Costs by Company
Nissan Sentra insurance costs range from $1,017 to $1,865 per year, depending on age, model year and coverage level. The table below compares average Nissan Sentra insurance rates with the averages for all vehicles from several national and midsize providers.
| Allstate | $1,537 | $1,813 | -15% |
| Auto-Owners | $1,196 | $1,226 | -2% |
| Farmers | $1,819 | $1,955 | -7% |
| GEICO | $1,201 | $1,333 | -10% |
| Kemper | $1,865 | $2,214 | -16% |
| Nationwide | $1,629 | $1,587 | 3% |
| Progressive | $1,663 | $1,743 | -5% |
| State Farm | $1,125 | $1,270 | -11% |
| Travelers | $1,552 | $1,520 | 2% |
| USAA | $1,017 | $1,201 | -15% |
Read more: Best Car Insurance Companies
Cost of Insuring a Nissan Sentra by Model Year
Your Nissan Sentra's production year can impact your insurance rates, with older models often costing less. For example, a 2022 Sentra has a full coverage rate of $1,587, while it's $1,287 for a 2009 model. Below are the average full and minimum coverage rates for every production year.
| 2022 | $654 | $1,587 |
| 2021 | $658 | $1,578 |
| 2020 | $638 | $1,548 |
| 2019 | $670 | $1,525 |
| 2018 | $674 | $1,496 |
| 2017 | $651 | $1,470 |
| 2016 | $680 | $1,444 |
| 2015 | $681 | $1,418 |
| 2014 | $654 | $1,386 |
| 2013 | $679 | $1,353 |
| 2012 | $676 | $1,320 |
| 2011 | $654 | $1,309 |
| 2010 | $683 | $1,298 |
| 2009 | $684 | $1,287 |
Nissan Sentra Insurance Costs by Driver Age
Nissan Sentra insurance rates vary significantly based on driver age. For instance, the average annual full coverage rate for 40-year-olds is $1,430, compared to $6,217 for 16-year-olds. Below are the average minimum and full coverage rates for drivers across ages.
| 16 | $3,064 | $6,217 |
| 17 | $2,492 | $5,072 |
| 18 | $2,176 | $4,468 |
| 19 | $1,536 | $3,174 |
| 20 | $1,379 | $2,885 |
| 21 | $1,091 | $2,325 |
| 22 | $995 | $2,136 |
| 23 | $923 | $1,994 |
| 24 | $876 | $1,898 |
| 25 | $778 | $1,697 |
| 26 | $757 | $1,639 |
| 27 | $739 | $1,603 |
| 28 | $727 | $1,579 |
| 29 | $716 | $1,557 |
| 30 | $692 | $1,502 |
| 35 | $674 | $1,457 |
| 40 | $667 | $1,430 |
| 45 | $661 | $1,412 |
| 50 | $645 | $1,368 |
| 55 | $628 | $1,330 |
| 60 | $627 | $1,325 |
| 65 | $670 | $1,390 |
| 70 | $727 | $1,488 |
| 75 | $807 | $1,631 |
| 80 | $913 | $1,817 |
| 85 | $987 | $1,949 |
| 90 | $1,041 | $2,042 |
Nissan Sentra Insurance Rates Explained
Several factors influence your car insurance rates, including your driver profile. However, insurers also consider vehicle-specific factors. Below is a breakdown of cost factors related to your vehicle.
Nissan Sentra Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Nissan Sentra
Average Full Coverage Rate
$1,418Premiums for Nissan Sentra are:$122 more
This is 9% more expensive.
Value
The Nissan Sentra has an MSRP of $25,410, classifying it as a compact car. This price influences how insurers determine insurance costs.
Repair costs
The Nissan Sentra's annual repair cost is $491, below the national average. Lower repair expenses can contribute to reduced insurance premiums.
Performance
The Nissan Sentra's 0-to-60 time of 9.2 seconds and 149 horsepower indicate moderate performance. Its lower risk profile may help keep insurance costs average.
Vehicle age
Newer Nissan Sentras generally cost more to insure than older models. However, classic cars can also be costly to insure.
Safety features
Safety features like stability control, airbags and antilock brakes can qualify the Nissan Sentra for insurance discounts.
Vehicle size
Larger vehicles typically cost more to insure. As a compact car, the Nissan Sentra often has lower insurance costs than bigger models.
Trim level
Premium trim levels increase insurance costs, so higher trims of the Nissan Sentra cost more than the base model.
Theft rates
Vehicles with higher theft risks cost more to insure. The Nissan Sentra's moderate theft rate may slightly raise its insurance costs.
Anti-theft features
Vehicles with anti-theft features often qualify for lower premiums. The Nissan Sentra comes with a standard security system.
Cheapest Nissan Sentra Insurance
State Farm offers the cheapest annual minimum coverage rate for a Nissan Sentra at $499, based on a 40-year-old male driver with a clean record. Below is a breakdown of the most affordable car insurance across coverage levels, age groups, driving records, model years and more.
Cheapest Nissan Sentra Insurance by Coverage Level
Coverage level impacts Nissan Sentra insurance costs. State Farm offers the lowest average minimum and full coverage rates. Below is a breakdown of the cheapest providers for both types.
Cheapest Nissan Sentra Minimum Coverage
State Farm offers the cheapest minimum coverage for a Nissan Sentra at $42 per month, followed by GEICO ($43), Travelers ($57) and Allstate ($60).
| USAA | $35 | $422 |
| State Farm | $42 | $499 |
| GEICO | $43 | $520 |
| Travelers | $57 | $689 |
| Allstate | $60 | $722 |
| Progressive | $61 | $736 |
| Nationwide | $66 | $791 |
| Farmers | $67 | $807 |
*State Farm offers non-military-affiliated Nissan Sentra owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Nissan Sentra Insurance Rates by Model Year
The above list excludes your car’s production year, which can influence rates. Older models may cost less to insure. Refer to the table below for affordable minimum coverage rates by Nissan Sentra production year.
Data filtered by:Results filtered by:
Select
Model Year:2009
| Allstate | $739 | $62 |
| Farmers | $825 | $69 |
| GEICO | $540 | $45 |
| Nationwide | $827 | $69 |
| Progressive | $764 | $64 |
| State Farm | $485 | $40 |
| Travelers | $732 | $61 |
| USAA | $468 | $39 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Nissan Sentra Insurance
State Farm offers the cheapest full coverage for a Nissan Sentra at $91 monthly or $1,094 annually. Below is the complete list of full coverage car insurance providers and rates.
| USAA | $82 | $990 |
| State Farm | $91 | $1,094 |
| GEICO | $98 | $1,171 |
| Allstate | $123 | $1,471 |
| Nationwide | $128 | $1,539 |
| Travelers | $128 | $1,540 |
| Progressive | $133 | $1,600 |
| Farmers | $143 | $1,719 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Nissan Sentra owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Nissan Sentra Insurance by Age
Drivers aged 16 to 25 and those 55 and older often pay more for Nissan Sentra insurance. Below is a breakdown of the cheapest options by age.
Cheapest Nissan Sentra Insurance for Young Drivers
Nissan Sentra drivers aged 16 to 25 can find cheap insurance with State Farm at $91 monthly or $1,087 annually for minimum coverage. The table below shows a complete list of the lowest car insurance rates for young drivers.
| USAA | $73 | $873 |
| State Farm | $91 | $1,087 |
| GEICO | $104 | $1,253 |
| Travelers | $120 | $1,443 |
| Allstate | $140 | $1,685 |
| Progressive | $171 | $2,048 |
| Nationwide | $177 | $2,124 |
| Farmers | $181 | $2,170 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Nissan Sentra Insurance for Seniors
State Farm offers the cheapest car insurance for seniors aged 55 and up at $46 monthly or $548 annually. Below is a list of affordable insurers for Nissan Sentra drivers.
| State Farm | $46 | $548 |
| USAA | $47 | $560 |
| GEICO | $52 | $625 |
| Travelers | $69 | $826 |
| Allstate | $74 | $886 |
| Nationwide | $77 | $929 |
| Progressive | $78 | $939 |
| Farmers | $90 | $1,080 |
Cheapest Nissan Sentra Insurance After an Accident
State Farm, GEICO and Allstate offer Nissan Sentra drivers the most affordable car insurance after an accident. Check out the full list below for more options.
| State Farm | $52 | $624 |
| USAA | $54 | $643 |
| GEICO | $68 | $821 |
| Allstate | $83 | $995 |
| Travelers | $84 | $1,006 |
| Progressive | $101 | $1,217 |
| Nationwide | $104 | $1,244 |
| Farmers | $131 | $1,576 |
Nissan Sentra Insurance Cost: Bottom Line
Regularly compare car insurance rates from different providers to find the cheapest option. This article covered Nissan Sentra insurance, including costs across demographics and the most affordable providers.
Nissan Sentra Insurance Rates: FAQ
Below are answers to common questions about the cost of insuring a Nissan Sentra, including minimum coverage options and affordable plans.
What company has the cheapest car insurance for a Nissan Sentra?
State Farm offers the cheapest insurance for a Nissan Sentra, with an annual minimum coverage rate of $499.
What is the average cost of car insurance for a Nissan Sentra?
The average annual insurance cost for a Nissan Sentra is $654 for minimum coverage and $1,418 for full coverage.
Nissan Sentra Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 4,183 Nissan Sentra insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Nissan Sentra:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Nissan Sentra insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Nissan Sentra.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis includes average full coverage policy rates with comprehensive and collision coverage (with a $1,000 deductible) and increased liability limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.