Nissan Sentra Insurance Cost

Full coverage for a Nissan Sentra costs about $2,045 a year ($170/month) by our estimate — ▲ +29% versus the average vehicle, ranking 252nd cheapest of 310 current models.

Nissan Sentra exterior (photo from Wikimedia Commons) — Photo: Alexander Migl, CC BY-SA 4.0

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

Nissan Sentra insurance cost at a glance

Full coverage

$2,045

$170/mo · $1,675–$2,415

Minimum liability

$855

$71/mo

Segment

Compact car

Gasoline

HLDI collision losses

132

Much worse than average (100 = avg)

NHTSA overall

★★★★★

2025 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2027 model year. Our vehicle data covers the 2005–2027 model years of the Nissan Sentra.

Estimated Nissan Sentra premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$855	$71	$705–$1,010
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$1,240	$104	$1,020–$1,465
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$2,045	$170	$1,675–$2,415

What drives the cost of insuring a Nissan Sentra

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Nissan Sentra's results put our vehicle factor at 1.40× for liability, 1.26× for collision and 0.91× for comprehensive.

HLDI relative insurance losses — Nissan Sentra (Small Four-door cars)
Coverage	Index	Rating	What it measures
Collision	132	Much worse than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	91	Better than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	140	Much worse than average	Damage this car does to other vehicles and property
Bodily injury liability	192	Much worse than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	178	Much worse than average	Injuries to occupants of this car (claim frequency)
Medical payments	206	Much worse than average	Injuries to occupants of this car (claim frequency)

Repair and parts costs: Compact car — mainstream parts availability keeps repairs moderate.
Safety: 5-star NHTSA overall rating (frontal 4★, side 5★, rollover 5★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 5 NHTSA recall campaigns and 46 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Nissan Sentra trims and configurations (2027)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
Sentra SR	FWD	2.0L 4-cyl	32
Sentra with Normal/Eco Modes	FWD	2.0L 4-cyl	33
Sentra with Sport/Normal/Eco Modes	FWD	2.0L 4-cyl	33

Nissan Sentra insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2027	2.0L 4-cyl	FWD	32–33	$2,045
2026	2.0L 4-cyl	FWD	32–33	$2,010
2025	2.0L 4-cyl	FWD	33–34	$1,975
2024	2.0L 4-cyl	FWD	33–34	$1,935
2023	2.0L 4-cyl	FWD	32–33	$1,900
2022	2.0L 4-cyl	FWD	32–33	$1,865
2021	2.0L 4-cyl	FWD	32–33	$1,830
2020	2.0L 4-cyl	FWD	32–33	$1,790
2019	1.6L 4-cyl Turbo, 1.8L 4-cyl	FWD	27–32	$1,755
2018	1.6L 4-cyl Turbo, 1.8L 4-cyl	FWD	27–32	$1,720
2017	1.6L 4-cyl Turbo, 1.8L 4-cyl	FWD	27–32	$1,685
2016	1.8L 4-cyl	FWD	30–33	$1,650
2015	1.8L 4-cyl	FWD	30–33	$1,645
2014	1.8L 4-cyl	FWD	30–33	$1,645
2013	1.8L 4-cyl	FWD	30–33	$1,645
2012	2.0L 4-cyl, 2.5L 4-cyl	FWD	24–29	$1,645
2011	2.0L 4-cyl, 2.5L 4-cyl	FWD	24–29	$1,645
2010	2.0L 4-cyl, 2.5L 4-cyl	FWD	24–29	$1,645
2009	2.0L 4-cyl, 2.5L 4-cyl	FWD	24–29	$1,645
2008	2.0L 4-cyl, 2.5L 4-cyl	FWD	24–28	$1,645

Nissan Sentra insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Sentra page for that state.

State	Full coverage	Minimum	vs. national	Sentra page
Alabama	$1,760	$670	−14%	Sentra in AL
Alaska	$1,795	$870	−12%	Sentra in AK
Arizona	$2,140	$920	+5%	Sentra in AZ
Arkansas	$1,765	$625	−14%	Sentra in AR
California	$2,020	$800	−1%	Sentra in CA
Colorado	$2,265	$910	+11%	Sentra in CO
Connecticut	$2,205	$995	+8%	Sentra in CT
Delaware	$2,325	$1,120	+14%	Sentra in DE
District of Columbia	$2,580	$1,035	+26%	Sentra in DC
Florida	$2,985	$1,505	+46%	Sentra in FL
Georgia	$2,570	$1,215	+26%	Sentra in GA
Hawaii	$1,415	$605	−31%	Sentra in HI
Idaho	$1,380	$560	−33%	Sentra in ID
Illinois	$1,765	$695	−14%	Sentra in IL
Indiana	$1,440	$565	−30%	Sentra in IN
Iowa	$1,330	$430	−35%	Sentra in IA
Kansas	$1,575	$560	−23%	Sentra in KS
Kentucky	$1,715	$735	−16%	Sentra in KY
Louisiana	$2,830	$1,105	+38%	Sentra in LA
Maine	$1,290	$595	−37%	Sentra in ME
Maryland	$2,315	$1,050	+13%	Sentra in MD
Massachusetts	$2,020	$825	−1%	Sentra in MA
Michigan	$2,225	$1,070	+9%	Sentra in MI
Minnesota	$1,660	$655	−19%	Sentra in MN
Mississippi	$1,920	$740	−6%	Sentra in MS
Missouri	$1,820	$715	−11%	Sentra in MO
Montana	$1,565	$550	−23%	Sentra in MT
Nebraska	$1,580	$565	−23%	Sentra in NE
Nevada	$2,415	$1,210	+18%	Sentra in NV
New Hampshire	$1,450	$560	−29%	Sentra in NH
New Jersey	$2,515	$1,305	+23%	Sentra in NJ
New Mexico	$1,815	$725	−11%	Sentra in NM
New York	$2,785	$1,300	+36%	Sentra in NY
North Carolina	$1,500	$625	−27%	Sentra in NC
North Dakota	$1,245	$385	−39%	Sentra in ND
Ohio	$1,450	$565	−29%	Sentra in OH
Oklahoma	$1,795	$660	−12%	Sentra in OK
Oregon	$1,860	$875	−9%	Sentra in OR
Pennsylvania	$1,765	$595	−14%	Sentra in PA
Rhode Island	$2,510	$1,145	+23%	Sentra in RI
South Carolina	$2,200	$1,025	+8%	Sentra in SC
South Dakota	$1,455	$440	−29%	Sentra in SD
Tennessee	$1,680	$630	−18%	Sentra in TN
Texas	$2,380	$965	+16%	Sentra in TX
Utah	$1,880	$910	−8%	Sentra in UT
Vermont	$1,305	$445	−36%	Sentra in VT
Virginia	$1,755	$875	−14%	Sentra in VA
Washington	$1,805	$825	−12%	Sentra in WA
West Virginia	$1,665	$610	−19%	Sentra in WV
Wisconsin	$1,370	$520	−33%	Sentra in WI
Wyoming	$1,495	$455	−27%	Sentra in WY

Nissan Sentra insurance by driver profile

Estimated annual Nissan Sentra premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$2,355	$3,415	$5,625	$469
Young adult (22)	$1,370	$1,990	$3,270	$273
Adult in their 30s	$855	$1,240	$2,045	$170
Adult in their 50s	$790	$1,145	$1,880	$157
Senior (72)	$960	$1,390	$2,290	$191
30s, one at-fault accident	$1,240	$1,800	$2,965	$247
30s, DUI on record	$1,585	$2,300	$3,785	$315

Nissan Sentra vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Nissan Sentra	$2,045	132	91	—
Honda Civic	$1,790	121	88	Compare
Toyota Corolla	$1,705	102	89	Compare
Kia Forte	$1,955	128	108	Compare

Estimate Nissan Sentra insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Nissan models

Frontier $1,480/yr
Kicks $1,600/yr
Murano $1,465/yr
Z $1,670/yr
Altima $1,995/yr
Ariya $1,500/yr
Armada $1,420/yr
Leaf $1,465/yr
Pathfinder $1,455/yr
Rogue $1,430/yr
Versa $1,825/yr
GT-R $1,775/yr
Titan $1,420/yr
Maxima $1,445/yr
Rogue Sport $1,315/yr
370Z $1,655/yr
NV200 $1,370/yr
Juke $1,195/yr
Quest $1,165/yr
Xterra $1,165/yr
Cube $1,190/yr
350Z $1,445/yr

All Nissan insurance costs →

Frequently asked questions

How much is insurance for a Nissan Sentra?

We estimate about $2,045 a year ($170 a month) for full coverage and $855 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 29% more than the average vehicle.

Is the Nissan Sentra expensive to insure?

HLDI insurance-loss data rates it at 132 for collision and 91 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much worse than average.

Which state is cheapest to insure a Nissan Sentra?

North Dakota has the lowest estimate (about $1,245 a year for full coverage) and Florida the highest (about $2,985).

What is the Nissan Sentra's NHTSA safety rating?

The 2025 Nissan Sentra earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Nissan Sentra cheaper to insure than the Honda Civic?

By our estimate the Nissan Sentra costs about $2,045 a year versus $1,820 for the Honda Civic, making the Honda Civic cheaper to insure.

How much is Nissan Sentra insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $5,625 a year at national-average rates by our estimate.

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