Because the topic is auto insurance, the word “cheap” should not be used anywhere in the article as a descriptor for car insurance rates. Please forgive the oxymoron, but cheap car insurance for a Nissan Sentra can be extremely hard to find. But don’t despair, because we will show you how you can still find coverage that won’t break your budget.
Buying cheap insurance for a Nissan Sentra in Oklahoma depends on things like whether you are a new or experienced driver, your credit score, and if you had any at-fault accidents in the last few years. Drivers in Oklahoma on average pay approximately $1,470 every 12 months for Sentra insurance, but that is a ballpark figure calculated using a 40-year-old married male driver that included full physical damage coverage and $100 policy deductibles.
It’s highly likely that you are not a 40-year-old male, maybe you are single instead of married, or maybe you have a speeding ticket that needs to be factored in. Each driver’s needs are different, and that demonstrates why the only way to find cheap auto insurance rates for your Nissan is to make a habit of comparing rates at every renewal.
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The specific model of Sentra has an effect on the yearly cost, so the cost to insure a Sentra 2 model will be $274 cheaper than the cost to insure the more well-appointed Sentra SE-R SPEC V model, as shown by the rates below.
Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
---|---|---|---|---|---|---|---|
Sentra 2 | $306 | $642 | $462 | $28 | $138 | $1,576 | $131 |
Sentra 2.0 S | $306 | $756 | $462 | $28 | $138 | $1,690 | $141 |
Sentra 2.0 SR | $306 | $756 | $462 | $28 | $138 | $1,690 | $141 |
Sentra 2.0 SL | $352 | $756 | $462 | $28 | $138 | $1,736 | $145 |
Sentra SE-R | $352 | $756 | $462 | $28 | $138 | $1,736 | $145 |
Sentra SE-R SPEC V | $352 | $870 | $462 | $28 | $138 | $1,850 | $154 |
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Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Premium costs do not factor in your specific Oklahoma location which can alter coverage rates substantially.
Finding the right insurer is hard considering how many different companies insure vehicles in Oklahoma. The ranking information in the next section may help you pick which insurers to look at when comparing auto insurance rates for a Nissan Sentra.
These rankings include companies with a nationwide focus, so companies with more of a regional focus are not taken into consideration for this list. To get price quotes and find the cheapest rates for a Nissan Sentra, simply click here.
Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
---|---|---|---|---|---|---|
Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
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Data Source: Insure.com Best Car Insurance Companies
Car insurance companies that offer cheap insurance for a Nissan Sentra in Oklahoma may also provide rate discounts that could reduce prices by as much as 40% or more if you qualify. Popular auto insurance companies and the discounts they provide are outlined below.
Discount | Allstate | Progressive | State Farm | Geico | Nationwide | Farmers |
---|---|---|---|---|---|---|
Bundled policies | Yes | Yes | Yes | Yes | Yes | Yes |
Multiple vehicles | No | Yes | Yes | Yes | Yes | Yes |
Theft prevention | Yes | Yes | Yes | Yes | Yes | Yes |
Anti-lock brakes | Yes | No | Yes | Yes | No | No |
Air bags | Yes | No | Yes | Yes | Yes | Yes |
Newer vehicle | Yes | No | Yes | No | Yes | Yes |
Safe driver | Yes | Yes | Yes | Yes | Yes | Yes |
Defensive driving course | Yes | Yes | Yes | Yes | Yes | Yes |
Armed forces | No | Yes | Yes | Yes | No | Yes |
Professional affiliation | No | No | No | Yes | Yes | Yes |
Paid in full | Yes | Yes | No | Yes | Yes | Yes |
Auto-pay | Yes | Yes | No | Yes | Yes | Yes |
Loyalty | No | Yes | Yes | No | Yes | Yes |
Sign early | Yes | No | No | No | Yes | Yes |
Smart student | Yes | Yes | Yes | Yes | Yes | Yes |
Distant student | Yes | Yes | Yes | No | Yes | Yes |
Own home | No | Yes | No | No | No | Yes |
Use seat belts | No | No | No | Yes | No | No |
Quote online | No | Yes | No | No | No | No |
Teenage driver | No | Yes | No | No | No | No |
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The information below visualizes the comparison of insurance costs with and without discounts. The data is based on a male driver, no claims or driving citations, Oklahoma state minimum liability limits, comp and collision included, and $1,000 deductibles.
The first bar for each age group shows premium with no discounts. The lower bar shows the rates with marriage, defensive driving course, anti-theft, accident-free, safe-driver, and homeowner discounts applied. When these discounts are applied, the the average amount saved on auto insurance for a Nissan Sentra is 33% or $731.
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When comparing insurance for a Sentra in Oklahoma, four of the larger companies to compare rates for are State Farm, Progressive, Geico, and Allstate. Between them, they make up almost 50% of the car insurance market in the United States. The data below shows ratings and policy coverage options offered by each company.
State Farm | Progressive | Geico | Allstate | |
---|---|---|---|---|
Customer Satisfaction | 4th | 3rd | 1st | 2nd |
Price Ranking | 2nd | 3rd | 1st | 4th |
Policy Discounts | 3rd | 4th | 2nd | 1st |
Claims Handling | 2nd | 4th | 3rd | 1st |
Amount of market share | 18.3% | 8.8% | 11.4% | 10% |
Usage-based rating | Yes | Yes | No | Yes |
Accident forgiveness coverage | No | Yes | Yes | Yes |
Mechnical breakdown | No | Yes | Yes | No |
Uber and Lyft insurance | Yes | Yes | Yes | Yes |
New car replacement insurance | No | No | No | Yes |
Roadside assistance | Yes | Yes | Yes | Yes |
Types of agents used | Can only buy from State Farm agents | Buy online or from an independent agent | Both online and from Geico agents | Only buy from Allstate agents |
Number of agents | 18,000+ | 30,000+ | 150+ | 11,000+ |
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It is possible to find better rates, and here are some money-saving ideas that can help you buy lower-cost coverage.
That last piece of advice is extraordinarily critical, as we hit on in this write-up. Rates can change considerably in a year, so drivers shouldn’t be reluctant to buy from a new company if a cheaper rate is available.
Sticking with a specific company is fine, but we do not recommend it if that faithfulness ends up costing you lots of hard earned cash every month. If you have a few minutes, now is a great time to compare prices to find cheaper car insurance for a Nissan Sentra.