Finding the cheapest car insurance for a Nissan Sentra in Arizona is normally pretty easy, but it relies on a fairly complex equation with a lot of factors such as your age, whether or not you garage your vehicle, and your choice of deductibles. Drivers pay around $818 a year to insure their Sentra, but that figure is an estimation calculated based on a 30-year-old married male driver with full physical damage coverage and $500 deductibles.
If we were betting, you are not 30 and maybe not even a male, possibly single instead of married, or maybe you just want different deductibles. This demonstrates why the best method for finding cheap insurance prices for your Nissan is to compare as many rates as possible. Comparing quotes is easy and you will receive price comparisons from the best auto insurance companies that sell coverage in Arizona.
Find Cheaper Nissan Sentra Insurance
Your Nissan’s trim level will most likely have an effect on the coverage cost, so the rate you pay to insure a Sentra 2 trim level will cost $138 less than the cost to insure the fancier Sentra SE-R SPEC V version, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sentra 2 | $164 | $314 | $300 | $18 | $90 | $886 | $74 |
| Sentra 2.0 S | $164 | $370 | $300 | $18 | $90 | $942 | $79 |
| Sentra 2.0 SR | $164 | $370 | $300 | $18 | $90 | $942 | $79 |
| Sentra 2.0 SL | $188 | $370 | $300 | $18 | $90 | $966 | $81 |
| Sentra SE-R | $188 | $370 | $300 | $18 | $90 | $966 | $81 |
| Sentra SE-R SPEC V | $188 | $428 | $300 | $18 | $90 | $1,024 | $85 |
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Information does not factor in specific Phoenix garaging location which can alter insurance rates greatly.
Trying to buy reasonably-priced auto insurance is tough enough, and determining which company has the cheapest insurance rates for a Nissan Sentra may require even more diligence. Each insurance company uses different criteria for setting prices, so we’ll take a look at the insurance companies with the most affordable rates in Phoenix, AZ.
It’s a good idea to know that Phoenix, AZ insurance rates are impacted by many things which can significantly increase or decrease the cost of having a policy. Events like a birthday, buying a higher-value vehicle, or having a fender bender can produce rate changes that can cause some rates to be way too expensive in comparison to the competition.
Cheap Insurance Rates for Your Sentra
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $811 |
| 2 | Safeco | $896 |
| 3 | Auto-Owners | $915 |
| 4 | USAA | $1,080 |
| 5 | Travelers | $1,086 |
| 6 | GEICO | $1,131 |
| 7 | Progressive | $1,164 |
| 8 | Ameriprise Group | $1,208 |
| 9 | CSAA | $1,213 |
| 10 | Allied | $1,245 |
| 11 | Farm Bureau Mutual | $1,259 |
| 12 | Safe Auto | $1,284 |
| 13 | Unitrin | $1,317 |
| 14 | State Farm | $1,337 |
| 15 | Farmers | $1,391 |
| 16 | Titan | $1,418 |
| 17 | American Family | $1,420 |
| 18 | Amica | $1,473 |
| 19 | MetLife | $1,551 |
| 20 | California Casualty | $1,552 |
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The Hartford may offer some of the most affordable car insurance rates in Phoenix at around $811 a year. Safeco, Auto-Owners, USAA, and Travelers also rank well as some of the lowest-priced Phoenix, AZ auto insurance companies.
As depicted above, if you currently have a policy with USAA and switched to Safeco, you could earn a yearly price reduction of in the neighborhood of $184. Insureds with Travelers could save as much as $190 a year, and GEICO insureds might lower prices by up to $235 a year.
If you want to find out if you’re overpaying, click here to begin a quote or visit several of the following companies.
Bear in mind that those prices are averaged for all types of drivers and the different vehicles they drive and are not factoring in a specific location for a Nissan Sentra. So the auto insurance company that is best for you may not even be in the top 28 companies shown above. That emphasizes why you need to get car insurance quotes using your own personalized driver profile and vehicle information.
Rate increases following a ticket or accident
The common sense way to receive cheap insurance premiums in Phoenix for a Sentra is to be a cautious driver and not get tickets or have accidents. The illustration below shows how violations and at-fault fender-benders influence insurance premiums for each age group. The premiums are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.
In the previous chart, the average cost of auto insurance in Phoenix per year with no accidents or violations is $1,550. Factor in one speeding ticket and the average cost swells to $1,750, an increase of $200 each year. Now add one accident along with the one speeding ticket and the annual cost of insurance for a Nissan Sentra goes up to an average of $2,311. That’s an increase of $761, or $63 per month, just for not driving attentively!
The importance of shopping around for Sentra insurance
Arizona insurance rates are influenced by many factors which can significantly increase or decrease the price you have to pay. Turning one year older, filing a claim, or getting a speeding ticket can trigger rate changes that can cause some rates to be cheaper in comparison to the competition.
Not only may your situation change, but insurance companies amend pricing as often as every three months in order to be able to pay unexpected claims. Significantly higher claims may result in higher priced premiums, while a better claims history may produce lower-cost Sentra insurance rates.
To illustrate this point, the chart below shows rates for the cheapest car insurance in Phoenix, AZ for a 40-year-old female driver with no prior claims, no tickets, and a good credit history. If we estimate rates based on her current risk factors, The Hartford offers the best car insurance rates in Phoenix at $1,171 annually. This is $257 less than the average policy premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA are the remaining cheapest Phoenix, AZ auto insurance companies.
Now we will pretend the driver in the first chart some claims, a lower credit rating, and a few traffic violations. Since each insurance company has a different process for establishing rates, analyzing rate quotes could now result in a different list of affordable Phoenix car insurance companies as shown below.
Progressive now has the cheapest car insurance in Phoenix, AZ with Allied, Ameriprise Group, CSAA, and Safe Auto also being competitive. This shows why it is so important to shop around with many companies when trying to find the most budget-friendly insurance rates for a Nissan Sentra.
Insurance prices are impacted by many different factors and change frequently, so the cheapest company a year ago may now be priced much higher than other options.