How Much Does Insurance Cost for a Nissan Sentra in Missouri?

The chances of finding affordable auto insurance for a Nissan Sentra in Missouri hinges on an enormous amount of rating factors like miles driven annually, what you do for a living, and your driving record. Drivers on average pay around $960 every 12 months to buy insurance for a Nissan Sentra, but that cost is an estimation calculated based on a 40-year-old single female who needs both comprehensive and collision coverage and $250 deductibles.

The issue that arises when projecting rates is that it’s very likely that you are not 40 and possibly not even female, married instead of single, or maybe you have a speeding ticket that needs to be factored in. The different assumptions illustrate why the most reliable method for finding the cheapest coverage for your Nissan is to just take the time to compare rates yourself. Quotes are free and easy and you will receive prices from top-rated car insurance companies around.

Find Cheaper Nissan Sentra Insurance

The specific trim level has an effect on the yearly cost, so the price you will pay to insure a Sentra 2 trim level will be $166 cheaper than the cost to insure the higher-priced Sentra SE-R SPEC V trim level, as shown below.

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Estimates do not factor in specific zip code location which can revise coverage prices noticeably.

Comparing rates for cost effective insurance is not always easy, and finding out which company offers the cheapest car insurance rates for a Nissan Sentra requires a little more work.

Each insurance company has a different process for determining rates, so first let’s look at the rankings for the car insurance companies that tend to be cheaper in Missouri. It’s important that readers know that Missouri car insurance rates are influenced by many factors which can substantially change the price you pay for coverage. This price variation is why drivers need to take the time to shop around to find the most budget-friendly auto insurance rates for a Nissan Sentra. Auto insurance prices consist of many things and can change without notice, so the cheapest rate when you last compared rates may now cost much more than other companies.

Best Auto Insurance Prices for Your Sentra

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USAA has some of the lowest car insurance rates in Missouri at around $662 annually. The Hartford, Allied, Electric, and Travelers also are some of the more affordable Missouri insurance companies.

As shown above, if you are a policyholder with The Hartford and switched to USAA, you could see a yearly savings of roughly $155. Drivers with Allied may save as much as $179 a year, and Electric policyholders might lower prices by $187 a year.

Understand that those policy rates are averaged for all ages of drivers and types of vehicles and do not take into consideration a specific rate factor for a Nissan Sentra. So the company that can offer you the best rate may not even be included in the chart above. That illustrates why you need to get car insurance quotes using your own specific driver and vehicle information.

Discount Missouri insurance

Car insurance companies that offer cheap insurance for a Nissan Sentra in Missouri may have rate discounts that could lower prices by 25% or more if you can meet the requirements. The best car insurance companies and a selection of discounts include:

The example below shows the comparison of premium costs with and without some available policy discounts. The prices are based on a female driver, a clean driving record, no at-fault accidents, Missouri state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with vehicle safety, passive restraint, anti-theft, claim-free, defensive driving course, and accident-free discounts applied. When these discounts are applied, the average savings per year on car insurance for a Nissan Sentra is 39% or $575.

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Best rates: State Farm, Progressive, Allstate, or Geico

When comparing insurance for a Sentra in Missouri, four companies to definitely compare rates with are State Farm, Progressive, Allstate, and Geico. When combined, they insure over 45% of all auto insurance written. They all have the same basic coverages, but each one has a little bit different set of discounts and options that drivers can select from. The following table illustrates price and claims rank as well as some different options that may be available in Missouri.

Cheapest Nissan Sentra insurance quotes

There are many ways to find lower-cost car insurance in Missouri, but the most prevalent are either through an independent agent, a captive (or exclusive) agent such as State Farm or Allstate, or from a direct company like Geico or Progressive.

All three ways can provide car insurance quotes, but car insurance shoppers should know the differences in how they price policies.

Independent agents write for multiple companies and can get rate quotes from every one. These agents do not work for one specific company and can provide multiple price quotes, which may give you the best idea of how your rates compare. If you are not satisfied with one company, your policy is moved internally which makes it simple for you.

An agent who is captive is only able to quote rates from one company like a State Farm or Farmers agent. These agents are unable to provide multiple price quotes, so if prices are high they cannot provide alternatives.

Opting to purchase car insurance direct means you forego a local agent and buy direct online or over the phone from a company like Geico or Progressive. This car insurance option may be preferred by families who do not have a lot of assets and have a decent understanding of what coverages, limits, and deductibles they need.

What is the best way to find cheap insurance for a Nissan Sentra in Missouri? It would be easy to say shopping direct yields the cheapest rates because there is no agent taking a commission, but that generally is not the case. An argument could also be made that buying car insurance from an independent agent can save the most money due to having more companies to select from, but that’s not always true, either. And occasionally, exclusive agents have very competitive rates that are the cheapest in Missouri.

Since car insurance prices vary so much, the only real way to find out which one is cheapest is to do a thorough rate comparison. It takes a little work, but we recommend you get rate quotes from independent agents, exclusive agents, and direct companies to get a good idea who is cheapest. For a list of companies with some of the cheapest Missouri car insurance rates, click here to view.