Buying cheaper coverage for a Nissan Sentra in California is dependent upon a large number of factors such as how you use your Sentra, your credit rating, and physical damage deductibles. Drivers will pay on average $1,208 annually to insure their Sentra, but that cost is an approximation calculated based on a 40-year-old single male driver with full coverage and $1,000 deductibles.
There’s a good chance you aren’t exactly 40 years old or even a male, married instead of single, or maybe you have a speeding ticket that needs to be factored in. Having the smallest difference in policy rating criteria or coverages can make a large difference in the policy cost.
Different coverage needs are the reason why the best way to find the cheapest insurance price for your Nissan is to just take the time to compare rates yourself. Quotes only take a few minutes and you can get rates from the cheapest companies that insure Nissan vehicles in California.
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The specific trim level will be a contributing factor to the cost of coverage, so the price you pay to insure a Sentra 2 will be $174 less expensive the insurance cost for the high end Sentra SE-R SPEC V version, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sentra 2 | $180 | $416 | $534 | $32 | $160 | $1,322 | $110 |
| Sentra 2.0 S | $180 | $490 | $534 | $32 | $160 | $1,396 | $116 |
| Sentra 2.0 SR | $180 | $490 | $534 | $32 | $160 | $1,396 | $116 |
| Sentra 2.0 SL | $206 | $490 | $534 | $32 | $160 | $1,422 | $119 |
| Sentra SE-R | $206 | $490 | $534 | $32 | $160 | $1,422 | $119 |
| Sentra SE-R SPEC V | $206 | $564 | $534 | $32 | $160 | $1,496 | $125 |
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Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rate information does not factor in garaging location in Fresno which can revise coverage prices substantially.
Finding reliable, budget car insurance is easier said than done, and determining which company quotes the cheapest auto insurance rates for a Nissan Sentra takes a little more work.
Each company uses a different method to determine premium rates, so let’s begin by examining the auto insurance companies that tend to be cheaper in Fresno, CA. It’s important to understand that Fresno auto insurance rates are impacted by many things that control the price you pay for coverage. That is why consumers need to take the time to perform an extensive rate comparison when trying to find the most economical insurance rates for a Nissan Sentra. Auto insurance prices can be determined by many factors and can change substantially, so the cheapest company six months ago may now be one of the more expensive options.
Best Auto Insurance Prices for Your Sentra
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,146 |
| 3 | Century National | $1,178 |
| 4 | CSAA | $1,234 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,477 |
| 8 | Mercury | $1,503 |
| 9 | Allstate | $1,513 |
| 10 | Allied | $1,556 |
| 11 | Progressive | $1,558 |
| 12 | GEICO | $1,559 |
| 13 | MetLife | $1,590 |
| 14 | The Hartford | $1,623 |
| 15 | Esurance | $1,688 |
| 16 | Unitrin | $1,750 |
| 17 | State Farm | $1,750 |
| 18 | Travelers | $1,788 |
| 19 | Bristol West | $1,831 |
| 20 | Farmers | $1,946 |
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USAA may offer some of the most affordable car insurance rates in Fresno at around $1,109 per year. This is $542 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide would also be considered some of the most economical Fresno, CA car insurance companies.
As illustrated above, if you have coverage with Nationwide and switched to Wawanesa, you might see a yearly savings of in the neighborhood of $104. Drivers with 21st Century may save as much as $192 a year, and Grange insureds might reduce rates by $331 a year.
Remember that these premiums are averaged for all types of drivers and the different vehicles they drive and do not take into consideration a vehicle location for a Nissan Sentra. So the auto insurance company that fits your needs best may not even be in the top 24 companies in the list above. That points out the importance of why you need to get car insurance quotes using your own specific driver information and vehicle.
The illustration below demonstrates how deductibles can increase or decrease insurance prices when researching cheap insurance for a Nissan Sentra. The price estimates are based on a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.
In the chart above, a 40-year-old driver could lower their car insurance rates by $408 a year by increasing from a $100 deductible up to a $500 deductible, or save $614 by selecting a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, could possibly save $1,008 or more just by choosing higher deductibles when buying full coverage. If you do decide to increase your deductibles, it will be required to have plenty of money set aside to offset the extra out-of-pocket expense associated with higher deductibles.
What aren’t you shopping around?
California auto insurance rates are impacted by many things which can substantially change the price you pay. Improving your credit rating, having a teenage driver, or getting a speeding ticket may prompt premium changes that can make some companies cheaper in comparison to the competition.
Not only may your situation change, but insurance companies file new California car insurance rates as needed as an adjustment for underwriting gains or losses. Higher than normal claim frequency or severity may result in more expensive premiums, while lower claims may result in lower-cost Sentra insurance rates.
As an example, the graph below shows the company with the cheapest car insurance in Fresno, CA for a 30-year-old male driver with no violations or accidents, and great credit. If we compare prices based on his personal profile, USAA might quote the lowest car insurance rates in Fresno at $1,330 annually. This is $321 less than the average policy premium paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide are the rest of the cheapest Fresno, CA auto insurance companies.
Now let’s give the driver from the first rate comparison some claims, bad credit, and an imperfect driving record. Since every insurance provider has a proprietary formula for setting prices, analyzing rate quotes most likely will result in a different list of the cheapest companies as shown below.
Grange now has the best price on car insurance in Fresno with Allstate, GEICO, Progressive, and Mercury also having competitive pricing. This example proves why Fresno drivers need to compare as many rates as possible when trying to find the best insurance rates for a Nissan Sentra.
Prices consist of many different factors and can increase or decrease at any time, so the cheapest option two years ago may now be quite expensive.
The Fresno car insurance agencies listed below can answer your questions and help you decide which car insurance company is the best fit, since some people prefer to have the advice of a professional agent when trying to find the best insurance rates for a Sentra. It’s not always simple to find coverage yourself, so getting advice from a licensed agent can bring satisfaction knowing your coverage gives you suitable coverage if you ever need to use it.
To find a Fresno insurance agency close to you, click the button following the list or click here to compare price quotes.
- Schramm Insurance
964 Pollasky Ave b – Clovis, CA 93612 – (559) 323-0333 - Allstate Insurance: Patricia Pearson
5755 E Kings Canyon Rd Ste 106 – Fresno, CA 93727 – (559) 255-1861 - Greg Caves – State Farm Insurance Agent
7740 N Fresno St #103 – Fresno, CA 93720 – (559) 435-7500