Finding the cheapest coverage for a Nissan Sentra in Texas is dependent upon a lot of different factors such as whether you are married or single, whether or not you garage your vehicle, and whether or not you are a good driver. Texas drivers pay on average $809 annually to insure their Sentra, but that price is an approximation calculated using a 50-year-old married male driver with full comprehensive and collision coverage and $1,000 deductibles.
When projecting a rate like this, the problem is that you may not be 50 years old (or even male), maybe you are single instead of married, and maybe you have sub-par credit that needs to be factored in. Having even a minor difference in policy rating criteria or coverages may result in significant differences in the policy rate.
Each driver’s needs are different, and that demonstrates why the only real way to find cheap insurance prices for your Nissan is to compare as many rates as possible. It takes less than five minutes and you will receive prices from some of the most affordable companies around.
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Your Nissan’s trim level tends to have a direct impact on the insurance rate, so the cost to insure a Sentra 2 will be $112 less expensive the insurance cost for the high end Sentra SE-R SPEC V version, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sentra 2 | $124 | $266 | $366 | $22 | $110 | $888 | $74 |
| Sentra 2.0 S | $124 | $312 | $366 | $22 | $110 | $934 | $78 |
| Sentra 2.0 SR | $124 | $312 | $366 | $22 | $110 | $934 | $78 |
| Sentra 2.0 SL | $142 | $312 | $366 | $22 | $110 | $952 | $79 |
| Sentra SE-R | $142 | $312 | $366 | $22 | $110 | $952 | $79 |
| Sentra SE-R SPEC V | $142 | $360 | $366 | $22 | $110 | $1,000 | $83 |
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Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Prices do not factor in Dallas location which can alter premiums considerably.
Trying to find cost effective auto insurance is challenging, and finding out which companies quote the lowest-priced car insurance rates for a Nissan Sentra will take more quotes for comparison.
Each insurance company uses a little different formula to establish rates, so first we will examine the lowest cost car insurance companies in Dallas, TX. Keep in mind that Dallas car insurance rates are based on many factors that can increase the policy premium. Simply getting older, having a claim, or getting a ticket for careless driving can cause premium changes that can now make some companies way too expensive in comparison to the competition.
Cheapest Insurance Rates for Your Sentra
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,021 |
| 2 | USAA | $1,084 |
| 3 | Texas Farm Bureau | $1,199 |
| 4 | Germania Mutual | $1,244 |
| 5 | Esurance | $1,407 |
| 6 | California Casualty | $1,438 |
| 7 | State Farm | $1,510 |
| 8 | Mercury | $1,521 |
| 9 | Nationwide | $1,538 |
| 10 | Safe Auto | $1,565 |
| 11 | Progressive | $1,647 |
| 12 | Allstate | $1,650 |
| 13 | Amica | $1,757 |
| 14 | GEICO | $2,072 |
| 15 | Home State | $2,134 |
| 16 | MetLife | $2,161 |
| 17 | Encompass | $2,255 |
| 18 | Unitrin | $2,264 |
| 19 | 21st Century | $2,396 |
| 20 | Titan | $2,568 |
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Travelers quotes some of the best car insurance rates in Dallas at around $1,021 a year. This is $883 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the cut as some of the most economical Dallas, TX auto insurance companies.
In the rate table above, if you buy coverage from Esurance and switched to USAA, you could see a yearly price reduction of around $323. Texas drivers with California Casualty could save as much as $354 a year, and State Farm insureds might lower prices by $426 a year.
Bear in mind that those estimates are averages for all insureds and vehicles and and are not calculated with a specific zip code for a Nissan Sentra. So the company that fits your age and vehicle best may not even be in the top 23 companies shown above. That helps illustrate why you need to quote rates from as many companies as possible using your own personal information and vehicle type.
Violations and accidents raise rates
The common sense way to snag the most affordable car insurance premiums for a Sentra is to drive safely and avoid accidents and traffic citations. The diagram below illustrates how violations and at-fault fender-benders can affect insurance costs for each different age group. The premiums are based on a single female driver, full coverage, $1,000 deductibles, and no discounts are applied.
The data in the chart shows the average cost of an auto insurance policy in Dallas per year with a clean driving record and no accidents is $1,899. Receive two speeding tickets and the average cost surges to $2,535, an increase of $636 each year. Now add two accidents along with the two speeding tickets and the 12-month cost of car insurance for a Nissan Sentra increases to an average of $5,130. That’s an increase of $3,231, or $269 per month, just for not driving safely!
Full coverage rates compared to liability-only
Saving money on car insurance should be important to most vehicle owners, and an easy way to find cheaper insurance for a Nissan Sentra is to only buy liability insurance. The chart below shows the difference between auto insurance costs with full coverage and liability only. The premium estimates are based on no violations or claims, $100 deductibles, marital status is single, and no additional discounts are factored in.
Averaged for all age groups, full coverage costs an extra $2,732 per year more than buying just liability insurance. That is a big expense that brings up the question if buying full coverage is worth the money. There is no definitive guideline to stop buying physical damage insurance, but there is a broad guideline. If the yearly cost of full coverage is more than about 10% of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.
For example, let’s pretend your vehicle’s settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $8,000 after you pay the deductible. If it’s costing you more than $800 annually for physical damage coverage, then it’s probably a good time to buy liability coverage only.
There are some circumstances where dropping physical damage coverage is not in your best interest. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not eliminate full coverage.
If you like to get help from a professional when comparing insurance rates for a Nissan Sentra, the insurance agencies below can help you determine which auto insurance policy would work best for you. To find a Dallas insurance agency near you, click the button after the list.
Insurance One
14180 Dallas Pkwy #900 – Dallas, TX 75254 – (972) 267-8000
Harrison Insurance Agency
5001 Spring Valley Rd #400e – Dallas, TX 75244 – (972) 250-1776
Steven Graves Insurance
11300 N Central Expy #430 – Dallas, TX 75243 – (214) 599-0808
View more Dallas, TX insurance agencies
How to find cheaper auto insurance for a Nissan Sentra
It’s not impossible to find cheaper rates, and here are many penny-pinching ideas that can help you buy low-cost auto insurance.
- Avoid speeding and other traffic citations and pay less
- Pay for small claims rather than turning them in to your insurance company
- Increase your comprehensive and collision deductibles
- Better credit rating means better rates
- Bundle home or renters insurance to earn a discount on car insurance
- Avoid accidents and claims
- Keep rates low by shopping around frequently
The final tip is very significant, as we hit on in this piece. Coverage rates change a lot, so don’t hesitate to buy from a different company if you can save money. Having a favorite company is great, but it’s not recommended if that faithfulness ends up costing you money that could be spent on other things. Now is a great time to compare rates and find cheaper auto insurance for a Nissan Sentra in Dallas.