How Much Does Insurance Cost for a Nissan Sentra in North Carolina?

Our editors keep telling us that when writing about auto insurance, the words cheap or affordable should not be used anywhere in the article as a descriptor for car insurance rates. It’s just a fact that cheap car insurance for a Nissan Sentra can be difficult to find. We’ll try to make it up to you, because we will show you how you can quote insurance that you can fit into your budget.

Your odds of finding cheaper auto insurance for a Nissan Sentra in North Carolina is dependent upon a lot of factors such as how old the vehicle is, if you have ever let your coverage lapse, and driving citations. North Carolina drivers on average pay around $700 a year to buy Nissan Sentra insurance, but that policy rate is an estimation using rate data for a 40-year-old single female who needs both comprehensive and collision coverage and $1,000 physical damage deductibles.

That rate won’t apply to everyone, because more than likely you’re not a 40-year-old female, married instead of single, or maybe your Sentra doesn’t need comprehensive and collision coverage. Every car insurance policy is unique to the driver, so the only real way to find cheap car insurance rates for your Nissan is to comparison shop your policy at every renewal or at least every couple of years.

Find Cheaper Nissan Sentra Insurance

Your vehicle’s trim level has an effect on the coverage cost, so the price to insure a Sentra 2 trim level will be $96 cheaper than the insurance cost for the high end Sentra SE-R SPEC V trim level, as demonstrated by the prices below.

Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Price estimates do not factor in specific zip code location which can lower or raise rates greatly.

Deciphering which company offers the best car insurance rates for a Nissan Sentra calls for a little more effort than just getting one or two price quotes.

Each insurer uses their own formula to determine rates, so let’s take a look at the car insurance companies that tend to have lower prices in North Carolina. It’s important that readers know that North Carolina car insurance rates are based on many factors that will increase or decrease the cost of coverage. Simply having a birthday, buying a new vehicle, or getting a ticket for careless driving can trigger rate changes that can now make some companies affordable when they were higher priced.

Find the Cheapest Auto Insurance for Your Sentra

Compare Rates and Save

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Progressive offers some of the most affordable car insurance rates in North Carolina at around $632 annually. Utica National, Liberty Mutual, NC Farm Bureau, and Titan would also be considered some of the lowest-priced North Carolina insurance companies.

As shown in the table above, if you currently have coverage with NC Farm Bureau and switched to Progressive, you might realize yearly savings of in the neighborhood of $84. Policyholders with Titan may save as much as $97 a year, and Penn National policyholders might realize rate reductions of up to $115 a year.

Remember that these estimates are averages across all drivers and vehicles in North Carolina and and are not figured with a specific rate value for a Nissan Sentra. So the auto insurance company that can offer you the best price may not even be in the list above. That point stresses why you need to compare rates from as many companies as possible using your own individual information.

Get discounts on North Carolina insurance

Auto insurance companies that offer cheap insurance for a Nissan Sentra in North Carolina may have discounts that can lower rates by 25% or more if you qualify. Larger car insurance companies and the discounts they provide are included below.

• GEICO offers premium reductions for good student, air bags, defensive driver, seat belt use, driver training, and emergency military deployment.
• MetLife has savings for claim-free, good driver, defensive driver, good student, and multi-policy.
• Progressive policyholders can earn discounts including online signing, multi-vehicle, continuous coverage, homeowner, multi-policy, good student, and online quote discount.
• Travelers may include discounts for continuous insurance, student away at school, IntelliDrive, good student, home ownership, and new car.
• SAFECO includes discounts for anti-lock brakes, homeowner, multi-car, accident prevention training, bundle discounts, and teen safe driver.
• AAA discounts include pay-in-full, multi-policy, good driver, multi-car, anti-theft, and education and occupation.

The chart below illustrates the comparison of annual premium costs with and without discounts applied to the policy premium. The price estimates are based on a female driver, no driving violations, no at-fault accidents, North Carolina state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, vehicle safety, claim-free, anti-theft, accident-free, and multiple vehicle discounts applied. In this example, the average savings per year on car insurance for a Nissan Sentra is 28% or $436.

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

When researching insurance for a Sentra, four of the larger companies to compare rates for are State Farm, Geico, Allstate, and Progressive. All of them have slightly different coverage options that can influence your buying decision. The data below compares and contrasts ratings and policy coverage options that policyholders can buy.

How to find cheaper insurance for a Nissan Sentra

The list below shows some of the better penny-pinching solutions that can help you locate cheap coverage.

• Drive safe vehicles
• Drive safely
• Earn a discount by not filing claims
• Save money by insuring your home and auto with the same company
• Prevent price hikes by avoiding at-fault accidents
• Compare prices frequently to find the best deal

The last tip in the list is very necessary, as was discussed in this piece. Car insurance prices change frequently, so don’t be hesitant to buy a different policy if you find a better deal.

Staying with the same car insurance company is fine, but it isn’t a good idea if that dedication is costing hundreds every year. It only takes a couple minutes to shop around and find cheaper auto insurance for a Nissan Sentra.