Who Has the Cheapest Plano Car Insurance for a Nissan Sentra?

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Nissan Sentra insurance cost
Nissan Sentra insurance cost image courtesy of QuoteInspector.com

Finding competitive car insurance for a Nissan Sentra in Texas hinges on a lot of things such as how you use your vehicle, what you do for a living, and your policy deductibles. Drivers in Texas will pay on average $1,279 per year for Sentra insurance, but that figure is a valuation using a 40-year-old married female driver with both comprehensive and collision coverage and $100 deductibles.

Odds are that you are not 40 and maybe not even a female, you might be single instead of married, or maybe you live in a different area as the quoted rates. Even a slight difference in policy rating criteria or coverages could end up with a large change in the price of a policy.

Everone's needs are different, and this illustrates why the best way to find cheap auto insurance rates for your Nissan is to compare as many rates as possible. Quotes are free and easy and you will receive rate quotes from some of the most affordable companies that insure vehicles in Texas.

Compare Nissan Sentra Insurance Rates

Your vehicle's trim level tends to have a direct impact on the coverage cost, so the rate you will pay to insure a Sentra 2 trim level will be $244 less than the price to insure the more costly Sentra SE-R SPEC V version, as shown in the chart below.

Nissan Sentra Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $246 $580 $400 $24 $120 $1,370 $114
Sentra 2.0 S $246 $684 $400 $24 $120 $1,474 $123
Sentra 2.0 SR $246 $684 $400 $24 $120 $1,474 $123
Sentra 2.0 SL $282 $684 $400 $24 $120 $1,510 $126
Sentra SE-R $282 $684 $400 $24 $120 $1,510 $126
Sentra SE-R SPEC V $282 $788 $400 $24 $120 $1,614 $135
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Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Table data does not factor in your specific Plano location which can affect premiums noticeably.

Texas auto insurance companies

Buying coverage from the highest-rated insurance provider is difficult considering how many choices there are in Texas. The company information in the next section can help you select which car insurance companies you want to consider when comparing insurance rates for a Nissan Sentra. These ratings are only comprised of companies that insure vehicles across America, so smaller companies are not factored into this list.

Top 10 Major Car Insurance Companies Overall in Plano

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Get discount Plano car insurance

Cheaper Plano, TX auto insurance for a SentraInsurance providers that provide coverage for a Nissan Sentra may provide premium discounts that could potentially reduce rates by as much as 40% or more if you are eligible to receive them. Larger auto insurance companies and some of the discounts are:

The illustration below illustrates the difference between insurance prices with and without discounts. The rate quotes are based on a female driver, a clean driving record, no claims, Texas state minimum liability limits, full physical damage coverage, and $250 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second shows the rates with safe-driver, marriage, accident-free, multiple policy, anti-theft, and homeowner discounts applied. When discounts are applied, the average amount saved each year on auto insurance for a Nissan Sentra is 28% or $657.

Cautious Plano drivers save money

One of the best ways to score good auto insurance prices in Plano for a Sentra is to drive safe and maintain a clean driving record. The information below demonstrates how citations and at-fault fender-benders can raise insurance prices for each age group. The rate quotes are based on a married female driver, full coverage, $1,000 deductibles, and no discounts are applied to the premium.

The data charted above shows the average cost of a car insurance policy in Texas per year with a clean driving record and no accidents is $1,421. Factor in two speeding tickets and the average cost swells to $2,009, an increase of $588 each year. Then add one accident along with the two speeding tickets and the yearly cost of auto insurance for a Nissan Sentra jumps again to an average of $2,618. That's an increase of $1,196, or $100 per month, just for being a less-than-perfect driver!

The chart below highlights how deductible choice can impact yearly insurance costs when quoting cheap insurance for a Nissan Sentra. The rates are based on a single female driver, full physical damage coverage, and no discounts are factored in.

As shown above, a 50-year-old driver could reduce rates by $396 a year by increasing from a $100 deductible to a $500 deductible, or save $592 by selecting a $1,000 deductible. Even younger drivers, like the 20-year-old example, can save $1,022 or even more just by using higher deductibles. When choosing a higher deductible, it is essential to have emergency funds available to enable you to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.