Who Has Cheap Car Insurance Rates for a Nissan Sentra in Durham?

Buying cheaper auto insurance for a Nissan Sentra is dependent upon many rating criteria such as how you use your vehicle, if you have a tendency to file claims, and your driving record. Drivers in North Carolina will pay around $759 annually for Sentra insurance, but that cost is an approximation calculated using a 40-year-old married female driver with both comprehensive and collision coverage and $250 deductibles.

Odds are that you aren’t exactly 40 years old or even a female, single instead of married, or maybe your Sentra doesn’t need full coverage. Insurance is an individual thing, so the way we recommend to find affordable rates for your Nissan is to compare as many rates as you can. Get a free quote now and you will receive rate quotes from the best auto insurance companies that offer coverage in North Carolina.

Find Cheaper Nissan Sentra Insurance

The trim level of your Sentra will have an impact the coverage cost, so the price you will be charged to insure a Sentra 2 trim level will cost $136 less than the insurance cost for the fancier Sentra SE-R SPEC V version, as shown below.

Nissan Sentra Insurance Rates in Durham, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $144 $318 $262 $16 $78 $818 $68
Sentra 2.0 S $144 $374 $262 $16 $78 $874 $73
Sentra 2.0 SR $144 $374 $262 $16 $78 $874 $73
Sentra 2.0 SL $166 $374 $262 $16 $78 $896 $75
Sentra SE-R $166 $374 $262 $16 $78 $896 $75
Sentra SE-R SPEC V $166 $432 $262 $16 $78 $954 $80
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Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rate quotes do not factor in vehicle location which can affect insurance rates significantly.

Comparing rates for cheap auto insurance is not the easiest thing to accomplish, and figuring out which companies have the cheapest insurance rates for a Nissan Sentra will take even more diligence.

Each insurer has a unique formula for filing rates in each state, so let’s begin by taking a look at the most budget-friendly insurance companies in North Carolina.

Find the Cheapest Car Insurance for Your Sentra

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Cheapest North Carolina auto insurance companies
Rank Company Cost Per Year
1 Progressive $632
2 Utica National $636
3 Liberty Mutual $707
4 NC Farm Bureau $709
5 Titan $737
6 GEICO $742
7 Penn National $747
8 State Farm $749
9 Auto-Owners $878
10 National General $917
11 Erie $922
12 Travelers $927
13 Allied $928
14 Peerless $992
15 MetLife $1,007
16 Unitrin $1,032
17 Nationwide $1,041
18 Safeco $1,044
19 Allstate $1,054
20 Encompass $1,063
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Progressive offers some of the cheapest car insurance rates in Durham at around $632 per year. This is $240 less than the average rate paid by North Carolina drivers of $872. Utica National, Liberty Mutual, NC Farm Bureau, and Titan also are some of the most economical Durham, NC auto insurance companies.

As the rates illustrate above, if you are a policyholder with Liberty Mutual and switched to Progressive, you might achieve annual savings of in the neighborhood of $75. Customers with NC Farm Bureau may save as much as $77 a year, and Titan customers might reduce rates by $105 a year.

To find out how your current rates compare, click here to get quotes or visit several of the following companies.

Remember that these prices are averaged for all insureds and vehicles and do not factor in an exact location for a Nissan Sentra. So the car insurance company that fits your situation best may not even be in the list above. That illustrates why you need to quote rates from many companies using your own personalized driver profile and vehicle information.

Difference between liability only and full coverage rates

Finding cheaper insurance is probably important to most vehicle owners, and one of the quickest ways to lower the cost of insurance for a Nissan Sentra is to only pay for liability coverage. The information below shows the difference between insurance premiums with full physical damage coverage and with liability coverage only. The premiums are based on no violations or accidents, $100 deductibles, single status, and no policy discounts are applied.

If averaged out across all ages, full coverage costs an additional $1,794 per year more than buying just liability insurance. That raises the question if full coverage is worth the money. There is no set rule to stop paying for comp and collision coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is 10% or more of the settlement you would receive from your company, then it could be time to drop full coverage.

For example, let’s assume your vehicle’s settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, you would only receive $5,000 after the policy deductible has been paid. If it’s costing in excess of $500 annually for your policy with full coverage, then it might be time to consider dropping full coverage.

Chances are good that you’re overpaying for Sentra insurance

Durham, NC insurance rates are influenced by many factors which can significantly increase or decrease the price you have to pay. Simply having another birthday, getting divorced, or getting a few speeding tickets can produce rate changes that may make certain companies cheaper than competitors. Not only may your risk profile change, but companies change their prices every year or even multiple times each year to help ensure profitability. Higher than usual claims can cause higher priced premiums, while better underwriting can result in cheaper Sentra insurance rates.

To illustrate this point, the chart below compares the cheapest car insurance in Durham, NC for a 30-year-old female driver with no accidents or violations, and a decent credit rating. When comparing rates based on her personal risk profile, Progressive has the cheapest car insurance rates in Durham at $736 a year. This is $136 less than the average premium paid by North Carolina drivers of $872. Utica National, NC Farm Bureau, Liberty Mutual, and Titan are the remaining best Durham, NC auto insurance companies.

The chart below compares rates after we give the driver from the first example an accident claim, a lower credit score, and a speeding citation. Because every insurance company has their own formula to set policy rates, getting updated rate quotes could result in a slightly different list of cheap Durham auto insurance companies as shown below.

GEICO now has the best price in Durham, NC with State Farm, Auto-Owners, National General, and Utica National also having competitive pricing. This shows why it is important to perform an extensive rate comparison when trying to get the most affordable car insurance quotes for a Nissan Sentra.

Prices are impacted by many things and can decrease or increase without notice, so the most economical company six months ago may now be quite expensive.

Tips for finding budget-friendly auto insurance for a Nissan Sentra

The list below summarizes some of the recommended thrifty solutions that can help North Carolina drivers get more affordable coverage.

The final tip is especially significant, as we noted in the prior article. Prices charged by auto insurers adjust frequently, so don’t be unwilling to buy a policy from a new company if you can find a cheaper rate.

Sticking with a specific company is fine, but it isn’t a good idea if that stubbornness costs you thousands of dollars over the life of your policy. It takes less than five minutes to compare prices and find cheaper insurance for a Nissan Sentra in Durham.