Cheapest Insurance for a Nissan Sentra in New Jersey

Our editors have a joke that when writing about auto insurance, the words “cheap” or “affordable” should never be used anywhere in the article as a descriptor for car insurance rates. It’s just reality that cheap car insurance for a Nissan Sentra is almost non-existent. But don’t despair, because there may be ways you can quote and buy insurance that you can afford to pay for.

The chances of finding affordable auto insurance for a Nissan Sentra in New Jersey is contingent on a pretty complex algorithm that uses a lot of factors such as how safe your vehicle is, the likelihood of your vehicle being stolen, and your policy deductibles. Drivers will pay on average $1,730 a year for Sentra insurance, but that is a valuation based on a 40-year-old single female who purchased comprehensive and collision coverage and $250 physical damage deductibles.

But there is a high probability that you aren’t exactly 40 years old or even a female, possibly married instead of single, or maybe you just want liability only instead of full coverage. Even a minor change in rating criteria or coverage limits can lead to a significant difference in the cost of insurance for a Nissan Sentra.

Each driver’s needs are different, and that demonstrates why your best chance at finding cheap insurance prices for your Nissan is to regularly compare rates at renewal. It only takes a couple of minutes and you will receive rate quotes from some of the best companies that offer coverage in New Jersey.

Compare Nissan Sentra Insurance Rates

The specific model of Sentra will be a contributing factor to the yearly cost, so the price to insure a Sentra 2 will be $298 cheaper than the price to insure the fancier Sentra SE-R SPEC V trim level, as shown in the chart below.

Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and New Jersey minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Prices do not factor in your specific New Jersey location which can raise or lower coverage rates substantially.

Determining which company quotes the cheapest insurance rates for a Nissan Sentra requires a tad more effort than just quoting one company’s rates. Each auto insurance company has a proprietary formula for determining prices, so let’s take a look at the insurance companies with the overall best prices in New Jersey.

It’s important to know that New Jersey insurance rates are impacted by many things which can substantially decrease or increase the cost of your policy. Improving your credit score, buying a home instead of renting, or getting caught speeding can trigger rate changes that can now make some companies more affordable than before.

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21st Century normally has some of the lowest car insurance rates in New Jersey at around $1,067 annually. Travelers, New Jersey Manufacturers, Penn National, and Palisades would also make the list of some of the cheaper New Jersey car insurance companies.

As shown in the table above, if you currently have a policy with Penn National and switched to Travelers, you could see a yearly price reduction of about $145. Insureds with Palisades may save as much as $161 a year, and California Casualty insureds might lower prices by up to $257 a year.

To find the cheapest insurance for a Nissan Sentra in New Jersey for your vehicle, click here to start your custom quote or quote rates from the companies below.

Remember that these rates are averages across all insureds and vehicles and and are not figured with a specific rate factor for a Nissan Sentra. So the auto insurance company that is best for you may not even be shown in the list of companies above. That emphasizes why you need to compare prices as often as possible using your own driver and vehicle profiles.

The illustration below shows how choosing a deductible can change insurance rates when quoting cheap insurance for a Nissan Sentra. The premiums assume a married female driver, full physical damage coverage, and no additional discounts are factored in.

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As shown above, a 30-year-old driver could cut expenses by $500 a year by increasing from a $100 deductible up to a $500 deductible, or save $746 by changing to a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could drop their prices as much as $1,060 every year just by choosing higher deductibles when buying full coverage. When using a larger deductible, it will be required to have enough spare savings to offset the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Who is cheaper: Geico, Progressive, State Farm, or Allstate?

When researching insurance for a Sentra in New Jersey, four companies you’ll want quotes from are Geico, Progressive, State Farm, and Allstate. The data below shows price and claims rank as well as some different options that are available for policyholders.