Finding economical auto insurance for a Nissan Sentra in California is normally pretty easy, but it depends on a lot of things such as whether the vehicle is new, your geographic location, and citations on your driving record. Drivers will pay on average $1,233 per year for Sentra insurance, but that figure is a projection based on a 50-year-old single female driver with full coverage and $500 deductibles.
The issue that arises when projecting rates is that it’s very likely that you aren’t exactly 50 years old or even a female, you might be married instead of single, or maybe you prefer higher deductibles. Even a minor difference in rating criteria can result in a massive change in the price of a policy.
This illustrates why the way we recommend to find cheap auto insurance rates for your Nissan is to do your own rate comparisons. Quotes only take a few minutes and you will receive prices from some of the best companies around.
The specific model of Sentra will be a contributing factor to the yearly cost, so the rate you pay to insure a Sentra 2 model will be $192 less than the price to insure the more costly Sentra SE-R SPEC V model, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sentra 2 | $208 | $454 | $500 | $30 | $150 | $1,342 | $112 |
| Sentra 2.0 S | $208 | $536 | $500 | $30 | $150 | $1,424 | $119 |
| Sentra 2.0 SR | $208 | $536 | $500 | $30 | $150 | $1,424 | $119 |
| Sentra 2.0 SL | $238 | $536 | $500 | $30 | $150 | $1,454 | $121 |
| Sentra SE-R | $238 | $536 | $500 | $30 | $150 | $1,454 | $121 |
| Sentra SE-R SPEC V | $238 | $616 | $500 | $30 | $150 | $1,534 | $128 |
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Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Price information does not factor in specific location information which can influence premiums noticeably.
California insurance company ratings
Finding the top insurance company can be difficult considering how many choices drivers have in Stockton. The ranking data shown below may help you analyze which car insurance companies to look at when trying find the best insurance for a Nissan Sentra. The ratings below include the largest companies in the United States, so companies that have a smaller presence are not factored into this list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
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Data Source: Insure.com Best Car Insurance Companies
Cautious drivers save money
The common sense way to get the cheapest insurance prices for a Sentra is to pay attention while driving and not have accidents or get tickets. The example below highlights how speeding tickets and accident claims can drive up car insurance costs for each age group. The information is based on a married female driver, comp and collision included, $100 deductibles, and no policy discounts are applied.
The data above shows the average cost of car insurance in California per year with a clean driving record and no accidents is $2,477. Add in two speeding tickets and the average cost swells to $3,545, an increase of $1,068 each year. Then add in one accident along with the two speeding tickets and the 12-month cost of insurance for a Nissan Sentra jumps again to an average of $4,634. That’s an increase of $2,157, or $180 per month, just for not driving carefully!
The importance of comparing Sentra insurance rates
California insurance rates are influenced by many factors that control the cost of coverage. Getting older, moving across town, or getting a speeding ticket can cause premium changes that may make certain companies more affordable than before. Not only may your risk profile change, but car insurance companies file new rates as often as every three months to reflect underwriting profits or losses. An unexpected high level of claims can result in higher priced premiums, while lower claims can result in more affordable Sentra insurance rates.
To illustrate this point, the graph below compares the cheapest car insurance in Stockton, CA for a 35-year-old female driver with a clear driving record, no claims, and solid credit. If we estimate prices based on her current rating profile, USAA may have the best car insurance rates in Stockton at $1,371 per year. This is $280 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also included in the cheapest Stockton, CA auto insurance companies.
The example below compares rates after we give the driver from the first set of rates a claim, slightly worse credit, and a few traffic violations. Due to the fact that every insurance company uses their own calculation to set premium rates, comparing rates may now show a new list of the cheapest companies as shown below.
Grange now has the lowest price in Stockton, CA with Progressive, Allstate, GEICO, and Mercury now rounding out the top five. This demonstrates why it is important to take the time to shop around when trying to get affordable car insurance rates for a Nissan Sentra.
Car insurance prices consist of many things and change substantially, so the cheapest option three years ago may now be costing you a lot of money.
How to find economical auto insurance for a Nissan Sentra
It’s not impossible to find cheaper rates, and here are some of the recommended money-saving suggestions that can help you quote more affordable auto insurance.
- Discounts for being claim-free can be substantial
- Buy a safer vehicle
- Bundle car and home insurance and save money
- Assess whether full coverage is needed
- Raise deductibles
- Improve your credit rating
- Shop around once a year for cheaper rates
The final tip is especially necessary, as we pointed out in this piece. Insurance prices in Stockton vary greatly, so don’t hesitate to buy from a new company if a cheaper price is available. Many drivers tend to have loyalty to a certain company, but is isn’t recommended if that stubbornness costs you thousands of dollars over several years. Take a couple minutes and compare prices to find cheaper insurance for a Nissan Sentra.