Estimates, not quotes

Toyota Corolla vs Nissan Sentra Insurance Cost

The Toyota Corolla is cheaper to insure by about $340 a year for full coverage by our estimate ($1,705 vs. $2,045), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoverageToyota CorollaNissan SentraDifference
State minimum$710$855−$145
Standard (100/300/100)$1,025$1,240−$215
Full coverage$1,705$2,045−$340

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Corolla minus Sentra.

Why one costs more to insure

FactorToyota CorollaNissan Sentra
SegmentCompact carCompact car
PowertrainsGasoline, HybridGasoline
HLDI collision (100 = avg)102132
HLDI comprehensive8991
HLDI property damage liability114140
HLDI bodily injury liability137192
NHTSA overall rating5★5★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)35

Collision losses are the biggest swing factor: the Nissan Sentra has 30 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

Corolla vs Sentra insurance by state

StateCorollaSentraDifference
Alabama$1,475$1,760−$285
Alaska$1,490$1,795−$305
Arizona$1,790$2,140−$350
Arkansas$1,480$1,765−$285
California$1,665$2,020−$355
Colorado$1,920$2,265−$345
Connecticut$1,830$2,205−$375
Delaware$1,930$2,325−$395
District of Columbia$2,145$2,580−$435
Florida$2,480$2,985−$505
Georgia$2,135$2,570−$435
Hawaii$1,170$1,415−$245
Idaho$1,155$1,380−$225
Illinois$1,470$1,765−$295
Indiana$1,205$1,440−$235
Iowa$1,130$1,330−$200
Kansas$1,335$1,575−$240
Kentucky$1,435$1,715−$280
Louisiana$2,365$2,830−$465
Maine$1,080$1,290−$210
Maryland$1,925$2,315−$390
Massachusetts$1,675$2,020−$345
Michigan$1,855$2,225−$370
Minnesota$1,405$1,660−$255
Mississippi$1,615$1,920−$305
Missouri$1,535$1,820−$285
Montana$1,335$1,565−$230
Nebraska$1,340$1,580−$240
Nevada$2,000$2,415−$415
New Hampshire$1,210$1,450−$240
New Jersey$2,085$2,515−$430
New Mexico$1,520$1,815−$295
New York$2,315$2,785−$470
North Carolina$1,255$1,500−$245
North Dakota$1,060$1,245−$185
Ohio$1,210$1,450−$240
Oklahoma$1,515$1,795−$280
Oregon$1,550$1,860−$310
Pennsylvania$1,475$1,765−$290
Rhode Island$2,080$2,510−$430
South Carolina$1,840$2,200−$360
South Dakota$1,260$1,455−$195
Tennessee$1,405$1,680−$275
Texas$2,000$2,380−$380
Utah$1,565$1,880−$315
Vermont$1,090$1,305−$215
Virginia$1,465$1,755−$290
Washington$1,500$1,805−$305
West Virginia$1,405$1,665−$260
Wisconsin$1,155$1,370−$215
Wyoming$1,285$1,495−$210

By driver profile (full coverage)

DriverCorollaSentra
Teen driver (18, own policy)$4,695$5,625
Young adult (22)$2,730$3,270
Adult in their 30s$1,705$2,045
Adult in their 50s$1,570$1,880
Senior (72)$1,910$2,290
30s, one at-fault accident$2,475$2,965
30s, DUI on record$3,155$3,785

More comparisons

Frequently asked questions

Is the Toyota Corolla or the Nissan Sentra cheaper to insure?

By our estimate the Toyota Corolla is cheaper, by about $340 a year for full coverage ($1,705 vs. $2,045) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Toyota Corolla and Nissan Sentra?

Mostly because of insurance-loss history: HLDI collision indices of 102 vs. 132 and comprehensive indices of 89 vs. 91 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page