Nissan Sentra insurance costs average $85 monthly for minimum coverage and $163 per month for full coverage. Depending on your particular trim and model year, costs range from $58 to $275 monthly.
Nissan Sentra Insurance Cost
Updated: November 11, 2025
Key Takeaways
Nissan Sentra insurance costs range between $64 and $121 monthly for minimum coverage for the average driver and between $122 and $246 monthly for full coverage. Your rate will depend on your specific mode and buyer profile.
GEICO offers the most affordable Nissan Sentra coverage at $123 monthly for full coverage and $57 for minimum coverage policies.
The Nissan Sentra ranks 272nd for insurance affordability among 827 vehicle models available in the U.S. market, placing it in the middle tier for cost-conscious drivers.
How Much Is Nissan Sentra Insurance?
| Nissan Sentra | $85 | $163 |
Nissan Sentra Insurance Cost by Model Year
Your Nissan Sentra's model year affects your insurance insurance rates, with newer vehicles usually costing more due to higher fair value. Monthly premiums range from as low as $64 for a 2000 model to as high as $246 on average, depending on the specific year you drive and coverage you select.
| 2025 | $106 | $206 |
| 2024 | $102 | $198 |
| 2023 | $92 | $180 |
| 2022 | $86 | $167 |
| 2021 | $78 | $151 |
| 2020 | $82 | $158 |
| 2019 | $79 | $153 |
| 2018 | $79 | $152 |
| 2017 | $82 | $158 |
| 2016 | $77 | $149 |
| 2015 | $84 | $161 |
| 2014 | $84 | $161 |
| 2013 | $79 | $153 |
| 2012 | $79 | $152 |
| 2011 | $77 | $148 |
| 2010 | $77 | $148 |
| 2009 | $76 | $146 |
| 2008 | $128 | $246 |
| 2007 | $121 | $232 |
| 2006 | $105 | $201 |
| 2005 | $95 | $182 |
| 2004 | $81 | $155 |
| 2003 | $77 | $147 |
| 2002 | $71 | $137 |
| 2001 | $68 | $130 |
| 2000 | $64 | $122 |
Nissan Sentra Insurance Cost by Trim
Your Nissan Sentra's trim affects insurance costs based on features and market value value of your Sentra. Our research shows monthly premiums range from $64 to $112 for minimum coverage with basic trims like the Xe costing less. Full coverage rates range between $122 and $217 depending on your trim. The highest cost trim is the Sr.
| Xe Sedan 4d | $64 | $122 |
| Gxe Sedan 4d | $66 | $126 |
| Ca Sedan 4d | $70 | $135 |
| Se Sedan 4d | $75 | $143 |
| Sr Fe Plus Sedan 4d | $75 | $144 |
| 1.8 S Sedan 4d | $76 | $147 |
| Fe Plus Sedan 4d | $78 | $151 |
| S Fe Plus Sedan 4d | $79 | $152 |
| Sr Turbo Sedan 4d | $80 | $155 |
| Limited Sedan 4d | $81 | $155 |
| Sl Fe Plus Sedan 4d | $81 | $157 |
| Fe+ S Sedan 4d | $82 | $157 |
| Sv Sedan 4d | $82 | $158 |
| Nismo Sedan 4d | $82 | $158 |
| Sr Sedan 4d | $82 | $159 |
| S Sedan 4d | $82 | $159 |
| Fe+ Sv Sedan 4d | $84 | $162 |
| Sl Sedan 4d | $86 | $166 |
| Sedan 4d | $90 | $173 |
| Se-R Sedan 4d | $92 | $177 |
| Se-R Spec V Sedan 4d | $96 | $184 |
| S | $99 | $191 |
| Sv | $102 | $198 |
| Sr | $112 | $217 |
Nissan Sentra Insurance Cost by Company
Nissan Sentra insurance costs vary by provider from $90 to $209 monthly. Minimum coverage ranges from $57 to $148, while full coverage costs $123 to $298. GEICO is the lowest-cost provider for the Nissan Sentra at $57 monthly for minimum coverage and $123 for full coverage. State Farm is the second cheapest provider at $75 for minimum coverage.
| AAA | $92 | $191 |
| AIG | $120 | $298 |
| Allstate | $109 | $209 |
| Amica | $103 | $211 |
| Chubb | $109 | $214 |
| Farmers | $121 | $213 |
| GEICO | $57 | $123 |
| Kemper | $81 | $162 |
| Nationwide | $101 | $174 |
| Progressive | $87 | $163 |
| State Farm | $75 | $155 |
| The Hartford | $87 | $149 |
| Travelers | $79 | $144 |
| UAIC | $148 | $185 |
Nissan Sentra Insurance Cost by State
Car insurance for a Nissan Sentra varies by state and rages from $30 monthly in Wyoming to $167 monthly in Louisiana for minimum coverage. Full coverage on a Sentra ranges from $85 in Vermont to $359 in Louisiana.
| Alabama | $71 | $133 |
| Alaska | $60 | $127 |
| Arizona | $99 | $185 |
| Arkansas | $66 | $146 |
| California | $78 | $157 |
| Colorado | $77 | $184 |
| Connecticut | $118 | $202 |
| Delaware | $123 | $205 |
| Florida | $115 | $266 |
| Georgia | $129 | $212 |
| Hawaii | $44 | $99 |
| Idaho | $46 | $92 |
| Illinois | $76 | $142 |
| Indiana | $53 | $104 |
| Iowa | $44 | $105 |
| Kansas | $58 | $134 |
| Kentucky | $104 | $176 |
| Louisiana | $167 | $359 |
| Maine | $42 | $87 |
| Maryland | $135 | $227 |
| Massachusetts | $86 | $182 |
| Michigan | $125 | $240 |
| Minnesota | $68 | $141 |
| Mississippi | $69 | $137 |
| Missouri | $92 | $184 |
| Montana | $55 | $130 |
| Nebraska | $60 | $135 |
| Nevada | $154 | $278 |
| New Hampshire | $57 | $101 |
| New Jersey | $140 | $230 |
| New Mexico | $67 | $149 |
| New York | $104 | $186 |
| North Carolina | $67 | $132 |
| North Dakota | $47 | $101 |
| Ohio | $64 | $124 |
| Oklahoma | $75 | $167 |
| Oregon | $106 | $184 |
| Pennsylvania | $70 | $164 |
| Rhode Island | $104 | $186 |
| South Carolina | $84 | $157 |
| South Dakota | $42 | $130 |
| Tennessee | $64 | $130 |
| Texas | $104 | $213 |
| Utah | $90 | $153 |
| Vermont | $36 | $85 |
| Virginia | $78 | $127 |
| Washington | $79 | $146 |
| West Virginia | $70 | $143 |
| Wisconsin | $53 | $116 |
| Wyoming | $30 | $93 |
Nissan Sentra Insurance Cost by Driver Profile
Your age and buyer profile are the two biggest factors that determine how much you'll pay for Nissan Sentra insurance. Young drivers under 25 with no violations pay around $314 per month for a Sentra, while adults aged 26 to 64 with clean records have much lower rates at approximately $124 per month.
Beyond these core factors, violations like speeding tickets, accidents, and DUIs will increase your rates. Sentra drivers with bad credit 2.3x as much for insurance compared to those with excellent credit. The table below shows how different driver profiles affect insurance costs, with both minimum coverage and full coverage options.
| Adult Drivers | $85 | $163 |
| Young Drivers | $216 | $412 |
| Senior Drivers | $113 | $206 |
| Drivers With a Speeding Ticket | $106 | $205 |
| Drivers With an Accident | $125 | $239 |
| Drivers With a DUI | $155 | $296 |
| Drivers With Bad Credit | $198 | $398 |
Factors That Affect Nissan Sentra Insurance Costs
Several key factors determine how much you'll pay for Sentra insurance including:
Average Repair or Replacement Costs
Nissan ranks ninth in repair affordability among 59 U.S. automakers with median annual costs of $687. The Sentra itself is Nissan's third most affordable model to repair, averaging $490 annually. Lower repair costs keep insurance premiums down compared to vehicles that are expensive to fix.
Vehicle Trim and Features
The Sentra's modest performance (149 horsepower, 0-60 in 9.2 seconds) keeps it in a lower insurance risk category than turbocharged competitors. The car comes standard with a five-star NHTSA safety rating and Safety Shield 360 technology, which includes automatic emergency braking with pedestrian detection, blind spot warning, and lane departure warning.
Location
Nissan Sentra insurance rates vary by location. Urban areas typically have higher premiums because of increased accident rates and theft risks. The Sentra's popularity among city commuters and first-time buyers means higher concentrations in metropolitan areas with higher insurance costs.
Driver Profile
Most Nissan Sentra drivers are budget-conscious with moderate incomes between $50,000 and $60,000. The typical owner includes young professionals, first-time car buyers, and families seeking affordable, reliable transportation and this keeps rates lower. Your driving record and credit score will increase or decease you Sentra insurance cost.
How to Get the Lowest Nissan Sentra Rates
Sentra owners are budget-conscious first-time buyers or young drivers, who want the lowest insurance rates. Here are the strategies to lower your cost:
- 1Choose the right coverage
You'll need to determine how much coverage to buy. If you own your Sentra, you can buy your state's minimum liability plus comprehensive and collision with a $1,000 deductible to minimize cost. If you're financing or leasing, your lender requires 100/300/100 liability coverage, comprehensive and collision with a $500 deductible, and gap insurance.
- 2Improve your driving record and credit score
Your driving history has the biggest impact on your rates. Drivers with tickets or accidents pay 20% to 100% more than clean drivers. Drivers with bad credit pay 2 to 3 times more than those with excellent credit. Staying violation-free and building your credit score over time will lower your premiums.
- 3Research the cheapest Nissan Sentra car insurers
Researching average auto insurance costs for your car will give you an idea of how much you're saving currently and with another provider. You can then look for the cheapest car insurance companies.
- 4Ask about discounts
The 2025 Sentra comes standard with Safety Shield 360 technology and earned a five-star NHTSA safety rating. Many insurers offer 5% to 40% discounts for these features. Sentra drivers are typically younger, so ask about good student discounts if you are still in school.
- 5Compare quotes annually
You can save up to 24% on average to insure your Senra by comparing quotes from multiple companies. Check rates once a year since your current insurer won't automatically match lower rates.
Nissan Sentra Insurance Rates: FAQ
Here are answers to common questions about insuring a Nissan Sentra.
What is the average cost of car insurance for a Nissan Sentra?
The Nissan Sentra's average annual insurance cost is $1,015 yearly for state minimum coverage and $1,955 for full coverage.
What company has the cheapest car insurance for a Nissan Sentra?
GEICO offers the most affordable Sentra car insurance across both coverage levels. For full coverage protection, GEICO provides the cheapest rates at $123 monthly. GEICO has the lowest premiums at $57 per month for minimum coverage.
Are Nissan Sentras expensive to insure?
Out of 827 vehicles we track, the Sentra ranks 272nd for affordability.
What factors affect insurance costs for Nissan Sentras?
Several things drive up your Nissan Sentra rates. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too. Areas with more theft will have higher rates.
How can I lower Nissan Sentra insurance costs?
Shop around with multiple insurers as rates vary for Nissans, and consider usage-based insurance programs that track your driving habits. Take advantage of Sentra's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Nissan Sentra Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you the most accurate Nissan Sentra insurance costs.
Who We Based These Rates On
These Nissan Sentra prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions:
- Minimum Coverage: State-required liability limits
- Full Coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
See our full methodology here.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.