Buying cheaper car insurance for a Nissan Sentra doesn’t take a ton of time, but it is dependent upon a whole bunch of rating criteria such as your age, whether or not you have prior claims, and if you have a history of accidents. Drivers in Kentucky will pay on average $1,067 per year to insure their Sentra, but that cost is an estimation based upon a 40-year-old married male driver with full physical damage coverage and $100 deductibles.
When making auto insurance estimates, the issue arises that you aren’t exactly 40 years old or even a male, possibly single instead of married, or maybe you just want liability only instead of full coverage. Different coverage needs are the reason why the way we recommend to find the cheapest coverage for your Nissan is to do the rate comparisons yourself.
Cheapest Nissan Sentra Insurance Rates
Vehicle trim level tends to impact the yearly cost, so the cost to insure a Sentra 2 trim level will cost $202 less than the insurance cost for the fancier Sentra SE-R SPEC V model, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sentra 2 | $222 | $466 | $336 | $20 | $100 | $1,144 | $95 |
| Sentra 2.0 S | $222 | $550 | $336 | $20 | $100 | $1,228 | $102 |
| Sentra 2.0 SR | $222 | $550 | $336 | $20 | $100 | $1,228 | $102 |
| Sentra 2.0 SL | $256 | $550 | $336 | $20 | $100 | $1,262 | $105 |
| Sentra SE-R | $256 | $550 | $336 | $20 | $100 | $1,262 | $105 |
| Sentra SE-R SPEC V | $256 | $634 | $336 | $20 | $100 | $1,346 | $112 |
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Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Kentucky minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Table data does not factor in garaging location in Louisville which can decrease or increase premium rates substantially.
Ending up with a highly-rated auto insurance company is difficult considering how many different companies insure vehicles in Louisville. The ranking information in the next section could help you pick which coverage providers to look at comparing rate quotes with.
The rankings below only include large nationwide companies, so companies without a large exposure are not included in the list. If you wish to compare prices from the most competitive companies in Kentucky, follow this link.
Top 10 Major Auto Insurance Providers Overall in Louisville
- Travelers
- USAA
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
- American Family
The diagram below shows how choosing a deductible can raise or lower insurance costs when quoting cheap insurance for a Nissan Sentra. The information is based on a married male driver, full coverage, and no other discounts are factored in.
The chart above illustrates that a 40-year-old driver could lower rates by $306 a year by changing from a $100 deductible up to a $500 deductible, or save $462 by changing to a $1,000 deductible. Young drivers, such as the 20-year-old example, could shave $1,034 every year by selecting a higher deductible.
If you make the decision to raise deductibles, it is necessary to have enough savings set aside to offset the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Types of discounts on Louisville insurance rates
Insurers that offer quotes for a Nissan Sentra may provide special discounts that could potentially reduce rates by 40% or more if you qualify for them. A few popular companies and a summarized list of policyholder discounts are:
- State Farm offers discounts for multiple policy, multiple autos, driver’s education, good student, and defensive driving training.
- Progressive has discounts for good student, multi-vehicle, homeowner, multi-policy, online signing, and continuous coverage.
- Progressive offers discounts including multi-policy, continuous coverage, online quote discount, online signing, and homeowner.
- MetLife may offer discounts for multi-policy, good student, defensive driver, accident-free, good driver, claim-free
- Farm Bureau offers premium reductions for multi-vehicle, safe driver, multi-policy, driver training, renewal discount, and youthful driver.
- GEICO discounts include military active duty, seat belt use, five-year accident-free, anti-theft, multi-policy, and emergency military deployment.
- SAFECO policyholders can earn discounts including drive less, accident prevention training, multi-car, safe driver, anti-theft, and bundle discounts.
The chart below illustrates the comparison of car insurance rates with and without discounts applied to the policy rates. The information is based on a male driver, no tickets, no at-fault accidents, Kentucky state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with homeowner, safe-driver, multiple vehicle, multiple policy, anti-theft, and marriage discounts applied. When discounts are applied, the average savings per year on auto insurance for a Nissan Sentra is 28% or $643.
Violations and accidents raise rates
The common sense way to score low auto insurance rates for a Sentra is to drive cautiously and avoid traffic citations and accidents. The illustration below highlights how speeding tickets and at-fault fender-benders influence insurance prices for different insured age categories. The prices are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.
The data charted above shows the average cost of car insurance per year with no violations or accidents is $1,798. Add in two speeding tickets and the average cost swells to $2,570, an increase of $772 each year. Now add one accident along with the two speeding tickets and the annual cost of auto insurance for a Nissan Sentra increases to an average of $3,372. That’s an increase of $1,574, or $131 per month, just for not maintaining a clean driving record!