Buying the cheapest auto insurance for a Nissan Sentra is fairly simple, but it hinges on a whole bunch of factors such as how far you commute, your occupation, and any driving offenses on your record. Drivers will pay around $1,248 each year for Sentra insurance, but that is an estimate calculated using a 50-year-old married male driver with full physical damage coverage and $100 deductibles.
Odds are that you are not 50 years old and maybe not even male, possibly single instead of married, and maybe your Sentra just needs liability-only coverage. Having what appears to be a very minor change in the factors used in pricing a policy could end up in a significant change in the price of a policy.
There is no one cookie-cutter policy that works for everyone, so the way we recommend to find affordable rates for your Nissan is to do your own rate comparisons. It takes less than five minutes and you will be able to compare rates from top-rated car insurance companies that insure Nissan vehicles in Florida.
The specific trim level will most likely have an effect on the cost of insurance, so the rate you pay to insure a Sentra 2 will be $232 lower than the price to insure the higher-end Sentra SE-R SPEC V trim level, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sentra 2.0 S||$244||$650||$400||$24||$120||$1,438||$120|
|Sentra 2.0 SR||$244||$650||$400||$24||$120||$1,438||$120|
|Sentra 2.0 SL||$280||$650||$400||$24||$120||$1,474||$123|
|Sentra SE-R SPEC V||$280||$748||$400||$24||$120||$1,572||$131|
|Get Your Own Custom Quote Go|
Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Premium costs do not factor in zip code location which can change price quotes noticeably.
Buying coverage from the highest-rated car insurance company can be a challenge considering how many choices there are in Florida. The rank data shown below could help you select which coverage providers you want to consider comparing prices from. These rankings are for large, nationwide insurance companies, so smaller companies that only insure vehicles in Florida are not included in these rankings.
Top 10 Large Auto Insurers Overall in Florida
- Mercury Insurance
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
Top Companies for Nissan Sentra Insurance in Florida
How careless driving impacts insurance rates
The ideal way to maintain the most affordable insurance prices in Florida for a Sentra is to drive safe and avoid accidents and traffic violations. The example below demonstrates how citations and accidents increase insurance prices for each different age category. The prices are based on a married female driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.
The data in the chart shows the average cost of an auto insurance policy per year with no accidents and a clean driving record is $1,664. Receive one speeding ticket and the average cost increases to $1,945, an increase of $281 each year. Now throw in two accidents along with the one speeding ticket and the 12-month cost of insurance for a Nissan Sentra in Florida goes up to an average of $4,541. That's an increase of $2,876, or $240 per month, just for not driving responsibly!
How to get discounts on Florida car insurance rates
Insurance companies that offer cheap quotes for a Nissan Sentra may additionally offer rate discounts that could reduce prices by 30% or more if you meet specific criteria. A few popular companies and some of the discounts are included below.
- Farmers Insurance offers discounts including mature driver, switch companies, youthful driver, multi-car, good student, bundle discounts, and teen driver.
- State Farm includes discounts for Steer Clear safe driver discount, safe vehicle, Drive Safe & Save, good student, and multiple policy.
- Liberty Mutual offers discounts for hybrid vehicle, teen driver discount, new move discount, multi-car, multi-policy, newly married, and safety features.
- MetLife has discounts for good student, multi-policy, claim-free, good driver, and defensive driver.
- Progressive may offer discounts for multi-policy, online quote discount, multi-vehicle, good student, continuous coverage, and homeowner.
The illustration below illustrates the comparison of auto insurance costs with and without policy discounts. The premium estimates are based on a female driver, no claims or violations, Florida state minimum liability limits, comp and collision included, and $1,000 deductibles.
The first bar for each age group shows the price with no discounts. The lower bar shows the rates with safe-driver, vehicle safety, passive restraint, multiple vehicle, multiple policy, and accident-free discounts applied. When these discounts are applied, theaverage yearly reduction on insurance for a Nissan Sentra is 28% or $611.
Ideas to find more affordable auto insurance for a Nissan Sentra
The list below shows some of the better penny-pinching ideas that can help drivers find cheap coverage.
- Being accident-free can lower rates significantly
- Higher deductibles mean lower rates
- Drop full coverage on older vehicles
- Good credit scores may make rates cheaper
- Buy a safer vehicle
- Violations like speeding or DUI increase rates
- Shop around for cheaper rates regularly
The last idea is remarkably critical, as was emphasized in the article above. Car insurance rates fluctuate constantly, so don't be unwilling to switch companies if you find a cheaper price. Staying with the same car insurance company is fine, but it's not a good idea if that stubbornness costs you a lot of money every month. It only takes a couple minutes to compare rates to find cheaper car insurance for a Nissan Sentra.