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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Nissan Sentra car insurance costs an average of $168 per month, just slightly above the national average for all vehicles, according to our data. It isn’t the cheapest compact car to insure, but it’s far from the most expensive — and you can definitely find ways to pay less.
For example, Novo has some of the cheapest car insurance premiums for Sentra drivers, averaging just $78 per month. While the base trim helps keep premiums in check, higher trim levels can increase insurance costs.
Let’s compare car insurance companies to pick out the best deals right now for your Sentra.
Liability-only insurance for the Sentra averages $118 per month, while full coverage costs $218.
Novo offers the cheapest Sentra insurance across all age groups, driver types, and model years.
Higher trim levels (SR and SV) cost more to insure than base S models due to pricier components and higher replacement values.
What you pay to insure a Nissan Sentra depends mostly on the coverage you choose. Liability insurance only covers damage you cause to others, but not your own car. Full coverage adds protection for your Sentra if it’s in a crash, stolen, or something unexpected (like hail or a rogue shopping cart) hits it.
The table below compares the Sentra’s average monthly rates with the national averages for all vehicle types, according to Compare.com data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Nissan Sentra | $118 | $218 | $168 |
| All vehicles | $107 | $197 | $152 |
Our data shows that on average, Sentra drivers pay $118 per month for liability-only insurance and $218 for full coverage. In later sections, we’ll go over how rates vary by factors like your driving record and where you live.
Despite the average prices for Sentra coverage, you can save on car insurance if you know where to look.
The companies featured in the table below offer the cheapest car insurance for Sentra owners, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Novo | $78 |
| Apparent | $89 |
| Certainly | $90 |
| Mile Auto | $92 |
| Farmers | $95 |
Novo tops our list, with an average premium of just $78 per month. But remember, these are just averages and may not be your cheapest options. That’s why you’ll want to compare quotes from several companies before making your decision. You can use an insurance-comparison site to make the process quick and easy.
Compare personalized quotes from 100+ insurance companies.
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The Sentra may be the perfect pick for many drivers, but when it comes to insurance, there’s no such thing as one-size-fits-all. The best company for you depends on your unique needs. With that in mind, we’ve identified companies that stand out for different types of Sentra drivers to get you started on your quote-comparison journey.
Here are the insurers that top our list for Sentra owners based on a combination of average rates, available discounts, customer ratings and reviews, and coverage types.
Compare.com Rating: Not rated
Pays for new car seats or strollers after a wreck
Has a teen driver tracking app
Apparent mechanics come to you
Accident forgiveness costs extra
Doesn’t offer 24/7 customer support
Website can be confusing to navigate
Apparent is great for parents at every stage of life. It offers unique policy coverage that may be an afterthought for other companies. For example, it’ll reimburse the cost of your car seat after a crash, and it has a teen driving app that lets you keep track of your new driver’s location, driving habits, and even gas usage.
Plus, the insurer’s mobile mechanic service also makes scheduling car repairs a cinch.
Compare.com Rating: 4.50 out of 5
Convenient Name Your Price tool
Rate-comparison options
Lots of coverage choices
Progressive is one of the best at providing no-frills coverage. You get a policy that meets your state’s minimum insurance requirements without unnecessary extras.
If you want more than a basic policy, add-ons like roadside assistance, gap insurance, and diminishing deductible let you customize your coverage to match your priorities.
Compare.com Rating: 4.93 out of 5
Mixed customer service reviews
Poor claims handling experience
Rates may be more expensive
Allstate is a standout option for Sentra drivers with tickets or fender benders. To start, you get accident forgiveness from day one. Then, the company’s Drivewise program provides driving feedback and rewards you for safe behavior behind the wheel — perfect for rebuilding your driving record. Plus, you can save up to $500 off your deductible for being accident-free.
Comparing rates could save you hundreds on car insurance.
The age of your Sentra plays a major role in what you pay for insurance. For example, car insurance is typically more expensive for newer cars,[6] largely because they can have higher repair and replacement costs. That said, older Sentras often lack advanced safety features that may earn you insurance discounts.
Check out how Sentra insurance costs trend by model year and the cheapest insurer for each, according to Compare.com data.
Sentra Model Year | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| 2025 | $203 | Novo | $94 |
| 2024 | $196 | Novo | $91 |
| 2023 | $200 | Novo | $92 |
| 2022 | $195 | Novo | $90 |
| 2021 | $186 | Novo | $86 |
| 2020 | $186 | Novo | $86 |
| 2019 | $175 | Novo | $81 |
| 2018 | $170 | Novo | $78 |
| 2017 | $164 | Novo | $76 |
| 2016 | $154 | Novo | $71 |
| 2015 | $154 | Novo | $71 |
| 2014 | $147 | Novo | $68 |
Model year can significantly influence your Sentra’s insurance costs, but where you live may matter even more. Let’s look at how dramatically rates can swing depending on which state you call home.
Your state carries a lot of weight in how much you pay for car insurance. States with higher accident rates, more uninsured drivers, harsher weather, and stricter insurance regulations typically charge more for the exact same coverage on the exact same car.
Here’s what Sentra owners pay on average per month across the country, according to our data.
State | Average Monthly Premium |
|---|---|
| Alabama | $111 |
| Arizona | $148 |
| Arkansas | $212 |
| California | $214 |
| Colorado | $174 |
| Connecticut | $338 |
| Delaware | $206 |
| Florida | $217 |
| Georgia | $220 |
| Idaho | $112 |
| Illinois | $138 |
| Indiana | $120 |
| Iowa | $101 |
| Kansas | $136 |
| Kentucky | $217 |
| Louisiana | $200 |
| Maine | $132 |
| Maryland | $305 |
| Massachusetts | $167 |
| Michigan | $260 |
| Minnesota | $167 |
| Mississippi | $167 |
| Missouri | $163 |
| Montana | $135 |
| Nebraska | $156 |
| Nevada | $265 |
| New Hampshire | $102 |
| New Jersey | $176 |
| New Mexico | $128 |
| New York | $427 |
| North Carolina | $83 |
| North Dakota | $128 |
| Ohio | $113 |
| Oklahoma | $144 |
| Oregon | $143 |
| Pennsylvania | $145 |
| Rhode Island | $127 |
| South Carolina | $243 |
| South Dakota | $107 |
| Tennessee | $125 |
| Texas | $197 |
| Utah | $162 |
| Vermont | $121 |
| Virginia | $160 |
| Washington | $124 |
| District of Columbia | $252 |
| West Virginia | $128 |
| Wisconsin | $113 |
| Wyoming | $107 |
Your age is another big factor that affects your Sentra insurance costs. Insurance companies consider younger drivers riskier to insure because they’re more likely to get into accidents. For example teen drivers are three times as likely to be in a fatal crash as drivers over 19, according to the Insurance Institute for Highway Safety.[7]
Take a look at how age changes how much you shell out for Sentra insurance:
Age Group | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Teens | $317 | Novo | $146 |
| Adults | $154 | Novo | $71 |
| Seniors | $129 | Novo | $60 |
Rates drop quite a bit once young drivers become adults. The differences are staggering — teen Sentra drivers pay more than double what adults pay and almost triple what seniors pay on average.
Your driving record follows you like a shadow. A spotless record can save you hundreds per month, while one moment of distraction or poor judgment can increase your premiums for years. That’s because insurers view driving history as the most reliable predictor of future claims — the more incidents you have, the more likely you’ll cost them money down the road.[8]
Here’s the going rate to insure your Nissan Sentra according to different driving records:
Driving Record | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Clean record | $168 | Novo | $78 |
| Speeding ticket | $234 | Novo | $108 |
| At-fault accident | $243 | Novo | $112 |
| DUI | $277 | Novo | $128 |
The increases hit hard and fast. A single speeding ticket spikes average premiums by nearly 40% for Sentra drivers. But a DUI delivers the harshest penalty, with rates jumping 65% higher than clean-record drivers.
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Your car’s specific features don’t just benefit your driving experience, but they also influence your Sentra insurance premium. Here’s a look at what insurers consider when calculating your insurance quote:
Trim level: SV and SR trims with premium styling features and higher MSRPs typically cost more to insure than base S models.[9]
Safety equipment: Standard Nissan Safety Shield 360 with automatic emergency braking and lane-departure warnings may earn you discounts on premiums.
Engine power: The modest 149-horsepower engine keeps the Sentra in a lower insurance risk category than turbocharged competitors.
Repair costs: LED headlights and special paint options increase replacement costs after accidents, bumping premiums slightly.
Theft rate: Sentras from 2007 and newer have lower-than-average theft rates, which can help bring premiums down.[10]
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Nobody wants to overpay for car insurance. Consider these five money-saving tips to help keep your Sentra insurance rates low.
Pick a lower trim level: Base Sentra S models typically cost less to insure than SR or SV trims.
Buy an older model: A Sentra that’s a few years old can help you save on insurance costs while offering many of the same features.
Know the safety features: Make sure your agent knows about every safety feature on your Sentra — each one could qualify you for discounts.
Try usage-based discounts: Sentras are perfect for telematics programs that reward safe drivers with lower rates.
Shop and compare quotes: Insurance quotes change often, so shopping around and getting quotes from more than one company can save you money.
Check rates for your Sentra and save money today.
You’ve got questions about insuring your Sentra, and we’ve got answers. Here are answers to the most common questions people have about Nissan Sentra insurance.
No, Nissan Sentras are generally affordable to insure compared to other vehicles, costing an average of $168 per month. The Sentra’s modest engine power, good safety ratings, and reasonable repair costs keep premiums manageable.
Our data shows that Novo has the lowest rates we found for Sentras, at an average of $78 per month. This is just the average, though — how much you pay depends on your location, age, driving record, and other factors.
A 2025 Nissan Sentra costs approximately $203 per month to insure, according to our data. But you may be able to get a lower rate with Novo, the cheapest insurer. New models typically cost more to insure due to their higher replacement value.
The Rogue is typically the cheapest Nissan to insure, with an average rate of $134 per month, according to our data. This makes it approximately 20% less expensive to insure than the Sentra.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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