Who Has Affordable San Diego Auto Insurance Rates for a Nissan Sentra?

Buying cheaper insurance for a Nissan Sentra in California doesn’t take too much effort, but it is dependent upon a complicated formula that considers factors such as when you were born, whether or not you have prior claims, and the deductible amount you use. Drivers in California will pay on average $1,201 a year for Sentra insurance, but that is an estimation based upon a 50-year-old married male driver with full coverage and $250 deductibles.

There’s a good chance you may not be 50 years old (or even male), single instead of married, and you may just want the cheapest liability coverage you can find. Just a slight change in rating variables or coverage information can result in a massive change in the amount insurance costs for a Nissan Sentra.

Not everyone needs the same coverages, so the only real way to find cheap car insurance rates for your Nissan is to compare rates from as many companies as possible.

Cheapest Nissan Sentra Insurance Rates

The specific trim level impacts price, so the price to insure a Sentra 2 model will be $208 less than the cost to insure the fancier Sentra SE-R SPEC V version, as demonstrated by the prices below.

Nissan Sentra Insurance Rates in San Diego, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $232 $490 $424 $26 $126 $1,298 $108
Sentra 2.0 S $232 $576 $424 $26 $126 $1,384 $115
Sentra 2.0 SR $232 $576 $424 $26 $126 $1,384 $115
Sentra 2.0 SL $266 $576 $424 $26 $126 $1,418 $118
Sentra SE-R $266 $576 $424 $26 $126 $1,418 $118
Sentra SE-R SPEC V $266 $664 $424 $26 $126 $1,506 $126
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Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Information does not factor in specific San Diego garaging location which can increase or decrease coverage rates substantially.

Trying to find reasonably-priced auto insurance is not most people’s favorite thing to do, and deciding which insurers offer the lowest-priced insurance rates for a Nissan Sentra requires even more diligence. Each company has a unique approach for setting prices, so let’s take a look at the most competitive insurance companies in California.

It’s important to understand that San Diego, CA insurance rates are impacted by many factors that can increase the cost of coverage. That is why it is critical to compare many different companies to get affordable car insurance rates for a Nissan Sentra. Car insurance prices are influenced by many factors and can decrease or increase without notice, so the best price three years ago may now be quite expensive.

Best Cheap Insurance Rates for Your Sentra

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California car insurance ranked by cost per year
Rank Company Cost Per Year
1 Wawanesa $1,146
2 USAA $1,155
3 CSAA $1,186
4 Nationwide $1,226
5 Century National $1,226
6 21st Century $1,338
7 Grange $1,447
8 GEICO $1,529
9 Mercury $1,533
10 Allied $1,541
11 Progressive $1,558
12 Allstate $1,559
13 MetLife $1,606
14 The Hartford $1,623
15 State Farm $1,699
16 Esurance $1,705
17 Unitrin $1,750
18 Bristol West $1,795
19 Travelers $1,842
20 Farmers $1,946
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Wawanesa has some of the lowest car insurance rates in San Diego at around $1,146 a year. This is $505 less than the average price paid by California drivers of $1,651. USAA, CSAA, Nationwide, and Century National would also be considered some of the lowest-priced San Diego, CA insurance companies.

As illustrated above, if you are a policyholder with Nationwide and switched to Wawanesa, you might achieve a yearly savings of about $80. Policyholders with Century National could save as much as $80 a year, and 21st Century insureds might lower prices by up to $192 a year.

Bear in mind that those estimates are averaged across all drivers and vehicles in California and do not take into consideration a specific vehicle garaging location for a Nissan Sentra. So the car insurance company that is most affordable for your situation may not even be in the top 24 companies shown above. That points out the importance of why you need to compare as many prices as possible using your own specific driver and vehicle information.

Should you buy full coverage?

Saving money on insurance is probably important to the majority of people, and an effective way to buy cheaper insurance for a Nissan Sentra is to only buy liability coverage. The information below compares insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The costs are based on no violations or claims, $250 deductibles, single status, and no other discounts are factored in.

If all age groups are averaged, physical damage coverage costs an additional $2,933 per year more than buying just liability insurance. Lot’s of drivers question if buying full coverage is a good investment. There isn’t a steadfast formula of when to exclude physical damage insurance, but there is a guideline you can use. If the annual cost of having full coverage is more than 10% of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.

Bad driving habits will cost you more

The easiest way to obtain cheap insurance premiums for a Sentra is to drive safely and avoid traffic citations and accidents. The chart below illustrates how traffic citations and accidents can impact auto insurance rates for different insured age categories. The rate quotes are based on a single male driver, comp and collision included, $250 deductibles, and no other discounts are factored in.

The data charted above shows the average cost of car insurance in California per year with no accidents and a clean driving record is $3,124. Get written up for one speeding ticket and the average cost surges to $3,518, an increase of $394 each year. Then include two accidents along with the one speeding ticket and the yearly cost of insurance for a Nissan Sentra increases to an average of $6,828. That’s an increase of $3,704, or $309 per month, just for not driving attentively!

Get discounts on San Diego insurance rates

Save on insurance for a Sentra in San DiegoAuto insurance companies that offer coverage for a Nissan Sentra may also provide price discounts that can lower rates by as much as 30% if you meet certain criteria. The best insurance companies and a partial list of their discounts are detailed below.

The information below illustrates the comparison of annual premium costs with and without discounts applied. The premium estimates are based on a female driver, no violations or claims, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with claim-free, defensive driving course, homeowner, anti-theft, accident-free, and marriage discounts applied. When drivers qualify for the discounts, the average savings per year on insurance for a Nissan Sentra is 28% or $834.