Finding the cheapest insurance for a Nissan Sentra is pretty easy to do, but it is dependent upon many rating criteria such as age of the vehicle, the likelihood of your vehicle being stolen, and your policy deductibles. Missouri drivers will pay around $627 a year for Sentra insurance, but that figure is an approximation based on a 50-year-old married female driver with full coverage and $500 deductibles.
When making auto insurance estimates, the issue arises that you are not 50 years old and maybe not even female, maybe you are single instead of married, or maybe you prefer higher deductibles. Different coverage needs are the reason why the best way to find the most affordable coverage for your Nissan is to do your own rate comparisons.
The trim level of your Sentra will have an impact price, so the price you will pay to insure a Sentra 2 model will cost $98 less than the insurance cost for the more expensive Sentra SE-R SPEC V trim level, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sentra 2.0 S||$112||$274||$250||$14||$74||$724||$60|
|Sentra 2.0 SR||$112||$274||$250||$14||$74||$724||$60|
|Sentra 2.0 SL||$128||$274||$250||$14||$74||$740||$62|
|Sentra SE-R SPEC V||$128||$314||$250||$14||$74||$780||$65|
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Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Estimates do not factor in your specific Kansas City location which can revise insurance rates significantly.
Deciphering which company has the cheapest insurance rates for a Nissan Sentra may require a tad more effort than just comparing a company or two. Each company uses a little different formula for setting prices, so we’ll go over the insurance companies that tend to be cheaper in Kansas City.
We do need to point out that Kansas City insurance rates are impacted by many things that may substantially change the cost of your policy. Improving your credit score, adding a teenager to your policy, or having an at-fault accident can trigger changes in premium resulting in some companies being more affordable than before.
Best Insurance Companies for Your Sentra
|Rank||Company||Cost Per Year|
|6||MO Farm Bureau||$1,021|
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USAA may have some of the lowest car insurance rates in Kansas City at around $642 each year. The Hartford, Allied, Electric, and Travelers would also be considered some of the most economical Kansas City, MO car insurance companies.
As shown in the table above, if you are a customer of Electric and switched to USAA, you might see an annual savings of in the neighborhood of $225. Drivers with Travelers could save as much as $356 a year, and MO Farm Bureau insureds might reduce rates by $379 a year.
Be aware that those premium estimates are averages across all types of insureds and vehicles and do not factor in an exact zip code location for a Nissan Sentra. So the insurer that has the cheapest price for you may not even be in the top 23 companies shown above. That is why you need to get car insurance quotes using your own personal information and vehicle type.
The diagram below demonstrates how deductibles can impact insurance costs when quoting cheap insurance for a Nissan Sentra. The information is based on a married female driver, full physical damage coverage, and no other discounts are factored in.
In the chart above, a 50-year-old driver could cut expenses by $244 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $368 by choosing a $1,000 deductible. Even younger drivers, such as the Age 20 example, could drop their prices up to $608 each year just by choosing higher deductibles when buying full coverage.
If you do make the decision to raise your deductibles, it is a good idea to have plenty of savings on hand to offset the extra out-of-pocket expense that is associated with using high deductibles.
Difference between full coverage and liability only rates
Buying cheaper insurance is the goal of the majority of vehicle owners, and one good way to find cheap insurance for a Nissan Sentra is to only buy liability insurance. The illustration below illustrates the difference between premium costs with full physical damage coverage and with liability coverage only. The costs are based on no claims or driving citations, $500 deductibles, single status, and no additional discounts are factored in.
On average, comprehensive and collision coverage on your policy costs an additional $1,557 per year more than just insuring for liability. That proposes the question if buying full coverage is a good investment. There is no exact rule to exclude physical damage coverage, but there is a guideline you can consider. If the annual cost of having full coverage is 10% or more of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your vehicle’s replacement cost is $10,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $9,000 after paying the physical damage deductible. If it’s costing in excess of $900 a year for physical damage coverage, then you may want to consider only buying liability coverage.
There are a few situations where dropping physical damage coverage is not advised. If you haven’t paid off your loan, you are required to maintain full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should keep full coverage.
How to find the cheapest car insurance for a Nissan Sentra
The list below shows many thrifty solutions that can help drivers buy low-cost coverage.
- Serious violations like DUI or careless driving can make car insurance unaffordable
- Claim-free policyholders usually earn a discount
- Increase your credit rating
- Vehicles with good safety ratings have lower liability rates
- Prevent rate increases by staying accident-free
- Shop around for lower rates once a year
That last tip is extraordinarily valuable, as was noted in the prior information. Car insurance rates can be modified anytime, so drivers shouldn’t hesitate to switch to a new company if a more affordable rate is found.
Many drivers prefer to stick with one company, but we do not recommend it if that faithfulness ends up costing you potentially thousands of dollars a year. It only takes a couple minutes to shop around and find cheaper insurance for a Nissan Sentra in Kansas City.
If you prefer to have a consultation when shopping for cheaper insurance for a Nissan Sentra, the insurance agencies listed below can help you decide which coverages you need.
To find an agent nearest to you, click the button at the bottom of the list or click here to compare price quotes.
American Family Insurance – Clint Cole Agency Inc.
8301 State Line Rd Ste 112 – Kansas City, MO 64114 – (816) 444-7468
State Farm: Steve Conway
1404 NW Vivion Rd – Kansas City, MO 64118 – (816) 452-6700
Joe Nowatzki – State Farm Insurance Agent
10201 N Oak Trafficway #400 – Kansas City, MO 64155 – (816) 420-0200