Who Has the Cheapest Insurance for a Nissan Sentra in Alabama?

Since we’re writing about car insurance, the word “cheap” really shouldn’t be used anywhere to describe car insurance rates. Nonetheless, cheap auto insurance for a Nissan Sentra is just plain contradictory. Don’t let that spoil your day, because we will show you how you can find and buy car insurance that is cheaper than your current policy.

The likelihood of finding the cheapest insurance for a Nissan Sentra in Alabama relies on a complex equation that considers factors such as the safety rating of your vehicle, the likelihood of your vehicle being stolen, and the level of deductible you choose. Alabama drivers will pay on average $1,310 each year for Sentra insurance, but that amount is an approximation based upon a 40-year-old single male driver with full physical damage coverage and $100 physical damage deductibles.

More likely than not, you may not be 40 years old (or even male), maybe you are married instead of single, and you don’t want the same coverages and limits as the example. Having what appears to be a very minor change in rating factors can lead to a big change in rate quotes.

This example demonstrates why the best way to find cheap insurance prices for your Nissan is to just take the time to do a thorough rate comparison.

Cheapest Nissan Sentra Insurance Rates

Your Nissan’s trim level impacts the cost of coverage, so the price you will pay to insure a Sentra 2 trim level will be $252 less expensive the cost to insure the fancier Sentra SE-R SPEC V version, as shown in the table below.

Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Alabama minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Rate quotes do not factor in specific garaging location which can modify prices considerably.

Alabama insurance companies

Ending up with a good quality insurance provider can be rather challenging considering how many companies sell insurance in Alabama. The ranking data shown next can help you choose which auto insurance companies you want to consider when comparing rate quotes. The ratings below include insurance companies that insure vehicles in the majority of U.S. states, so companies with more of a regional focus are not included in this list.

Top 10 Large Auto Insurers in Alabama Ranked by A.M. Best Rating

1. Travelers – A++
2. USAA – A++
3. GEICO – A++
4. State Farm – A++
5. Titan Insurance – A+
6. Esurance – A+
7. Progressive – A+
8. Nationwide – A+
9. The Hartford – A+
10. Allstate – A+

Top Companies for Nissan Sentra Insurance in Alabama

Should you buy full coverage?

Finding the cheapest insurance for a Nissan Sentra in Alabama is probably important to most vehicle owners, and one of the quickest ways to buy cheap insurance is to not pay for full coverage. The diagram below visualizes the comparison of car insurance rates with full coverage and liability only. The data is based on no driving violations, no at-fault accidents, $250 deductibles, single marital status, and no additional discounts are factored in.

Averaged for all ages 20 through 70, full coverage on your policy costs an additional $2,205 per year over and above liability coverage. That amount may make you wonder if buying full coverage is worth the expense. There is no definitive formula to drop full coverage, but there is a general guideline. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost minus the deductible, then it may be the right time to buy liability only.

For example, let’s pretend your vehicle’s replacement value is $4,500 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would get paid by your company is $3,500 after the policy deductible has been paid. If you are paying over $350 a year for physical damage coverage, then it might be time to buy liability only.

How to get discounts on Alabama auto insurance rates

Insurers that sell the cheapest insurance for a Nissan Sentra in Alabama could also offer rate discounts that could reduce prices by 25% or more if you are eligible to receive them. Popular insurance companies and some of the discounts are outlined below.

The diagram below compares car insurance costs with and without discounts applied to the rates. The rate quotes are based on a female driver, no accidents, no driving violations, Alabama state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with marriage, defensive driving course, anti-theft, claim-free, safe-driver, and multiple vehicle discounts applied. With discounts applied, the average amount saved each year on insurance for a Nissan Sentra is 33% or $598.

Cheapest car insurance: State Farm, Geico, Progressive, or Allstate

When researching insurance for a Sentra in Alabama, the companies with the most market share are State Farm, Geico, Progressive, and Allstate. The following table shows ratings and policy coverage options shoppers can expect to find with each one.