Buying the cheapest car insurance for a Nissan Sentra is pretty simple for most people to do, but it is dependent upon a lot of things such as your marital status, your profession, and physical damage deductibles. Drivers in Florida will pay around $1,174 a year for Sentra insurance, but that figure is using a 40-year-old single female driver with both comprehensive and collision coverage and $1,000 deductibles.
When estimating a car insurance rate like we just did, the issue is that you may not be 40 years old (or even female), possibly married instead of single, and maybe your Sentra is older and does not require full coverage. Just a minor difference in rating criteria or coverage limits could end up in a significant change in how much insurance for a Nissan Sentra costs.
Auto insurance is unique to each driver, so the only way to find cheap insurance rates for your Nissan is to just compare rates yourself. Price quotes are quick and you will get price quotes from the best auto insurance companies in Florida.
Vehicle trim level tends to impact the yearly cost, so the rate you will pay to insure a Sentra 2 model will be $164 less than the price to insure the higher-end Sentra SE-R SPEC V model, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sentra 2 | $166 | $386 | $542 | $32 | $162 | $1,288 | $107 |
| Sentra 2.0 S | $166 | $454 | $542 | $32 | $162 | $1,356 | $113 |
| Sentra 2.0 SR | $166 | $454 | $542 | $32 | $162 | $1,356 | $113 |
| Sentra 2.0 SL | $192 | $454 | $542 | $32 | $162 | $1,382 | $115 |
| Sentra SE-R | $192 | $454 | $542 | $32 | $162 | $1,382 | $115 |
| Sentra SE-R SPEC V | $192 | $524 | $542 | $32 | $162 | $1,452 | $121 |
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Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Price estimates do not factor in specific location information which can lower or raise coverage rates considerably.
Car insurance companies ranked
Insuring your vehicle with a highly-rated company is hard considering how many choices drivers have in Florida. The company information shown next could help you select which companies to look at purchasing from.
The ratings below are for the largest companies in the United States, so companies that only write business in Florida or surrounding areas are not included in the list. If you wish to compare rates from the most competitive companies in Florida, just click here.
Top 10 Major Auto Insurance Companies in Tampa Ranked by A.M. Best Rating
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
Top 10 Major Auto Insurance Companies Overall in Tampa
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Violations and accidents raise rates
A great way to score the cheapest car insurance prices in Florida for a Sentra is to be a good driver and avoid getting tickets or having accidents. The example below shows how violations and at-fault claims can impact car insurance rates for different age groups of insureds. The rates are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.
In the prior example, the average cost of an auto insurance policy in Florida per year with no accidents or violations is $2,826. Get one speeding ticket and the average cost swells to $3,202, an increase of $376 each year. Next add one accident along with the one speeding ticket and the yearly cost of car insurance for a Nissan Sentra goes up to an average of $4,299. That’s an increase of $1,473, or $123 per month, just for not driving responsibly!
Discounts on Tampa auto insurance
Auto insurance companies that offer coverage for a Nissan Sentra may also give you premium discounts that could lower prices by as much as 25% or more if you meet specific criteria. A few popular companies and a partial list of their discounts can be found below.
- Travelers may offer discounts for home ownership, multi-policy, student away at school, continuous insurance, and new car.
- 21st Century offers discounts for automatic seat belts, good student, defensive driver, theft prevention, driver training, and early bird.
- State Farm policyholders can earn discounts including Drive Safe & Save, multiple policy, Steer Clear safe driver discount, good driver, accident-free, and multiple autos.
- GEICO offers premium reductions for federal employee, emergency military deployment, membership and employees, anti-lock brakes, seat belt use, military active duty, and daytime running lights.
- SAFECO offers discounts including accident prevention training, multi-car, teen safe driver, anti-lock brakes, and drive less.
- AAA may include discounts for AAA membership discount, multi-car, education and occupation, pay-in-full, good driver, multi-policy, and good student.
The diagram below illustrates the difference between car insurance costs with and without discounts applied to the policy premium. The data assumes a female driver, no driving violations, no at-fault accidents, Florida state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with claim-free, passive restraint, multiple policy, accident-free, multiple vehicle, and vehicle safety discounts applied. When these discounts are applied to the policy premium, theaverage yearly reduction on car insurance for a Nissan Sentra is 28% or $545.
Ideas to find more affordable car insurance for a Nissan Sentra
Lowering your rates is not difficult, and here are a few thrifty suggestions that can help you find cheaper auto insurance.
- Pay for smaller claims out-of-pocket
- Prevent rate increases by staying accident-free
- Keep your driving record clean
- Home or renters coverage can save on auto insurance
- Buy vehicles with good safety ratings
- Ensure you have the best deal by shopping around regularly
That last piece of advice is certainly valuable, as we stressed in this write-up. Insurance prices can change considerably in a year, so don’t be afraid to change insurance companies if you can find a cheaper rate.
Brand loyalty is great, but we do not recommend it if your bullheadedness ends up costing you a considerable chunk of change every month. In just a few minutes you could compare prices to find cheaper auto insurance for a Nissan Sentra in Tampa.
If you have questions and prefer to get help from a professional when shopping around for cheaper insurance for a Nissan Sentra, the insurance agencies below can help you determine which policy is best.
To find an auto insurance agency by location nearest to you, click the button below the list or click here to compare rates now.
Adi Khorsandian – State Farm Insurance Agent
20752 Center Oak Dr – Tampa, FL 33647 – (813) 991-4111
Carron Insurance Agency, Inc
1010 W Cass St – Tampa, FL 33606 – (813) 926-0512
Florida Commercial Insurance
4915 W Cypress St – Tampa, FL 33607 – (813) 262-2303
Allstate Insurance: Rich Lovinger
4016 Henderson Blvd l – Tampa, FL 33629 – (813) 837-9329