How Much are Insurance Quotes for a Nissan Sentra in Minnesota?

How Much are Insurance Quotes for a Nissan Sentra in Minnesota?

Our content editors always give us grief that when writing about car insurance, the word “cheap” really should not be used anywhere in the article as a descriptor for auto insurance rates. Notwithstanding, cheap auto insurance for a Nissan Sentra is not easy to find. Don’t let that bother you, though, because we will teach you how you can quote insurance that is more affordable.

The odds of finding affordable auto insurance for a Nissan Sentra in Minnesota is dependent upon a lot of factors like age of the vehicle, if you have a coverage lapse, and the level of deductible you choose. Drivers in Minnesota pay approximately $940 annually to insure a Sentra, but that rate is assuming a 40-year-old married male that wants both comprehensive and collision coverage and $250 policy deductibles.

The problem with using this number is the good chance you may not be 40 years old (or even male), possibly single instead of married, and you possibly have other drivers on your policy that need factored in. Auto insurance is not “one size fits all”, so the only way to find cheap insurance prices for your Nissan is to just compare rates yourself. Quotes are always free and you will be able to compare rates from some of the best insurers that sell coverage in Minnesota.

Click Here to Start Your Quote

The trim level of your Nissan tends to have a direct effect on the coverage cost, so the rate you pay to insure a Sentra 2 will be $164 less than the price to insure the more costly Sentra SE-R SPEC V trim level, as shown by the rates below.

Nissan Sentra Insurance Rates in Minnesota
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $194 $380 $326 $20 $98 $1,018 $85
Sentra 2.0 S $194 $448 $326 $20 $98 $1,086 $91
Sentra 2.0 SR $194 $448 $326 $20 $98 $1,086 $91
Sentra 2.0 SL $222 $448 $326 $20 $98 $1,114 $93
Sentra SE-R $222 $448 $326 $20 $98 $1,114 $93
Sentra SE-R SPEC V $222 $516 $326 $20 $98 $1,182 $99
Get Your Own Custom Quote Go

Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Minnesota minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Premium amounts do not factor in your specific Minnesota location which can change premiums substantially.

Finding decent, low-priced insurance is hard enough, and finding out which company offers the lowest-priced car insurance rates for a Nissan Sentra takes even more work. Every insurance company uses their own calculation to set policy rates, so let’s begin by examining the lowest cost car insurance companies in Minnesota.

We do need to point out that Minnesota car insurance rates are based on many factors which can significantly increase or decrease the price of coverage. Events such as a birthday, buying a different home, or getting a reckless driving citation can trigger price changes resulting in some rates now being affordable when they were higher priced.

Best Car Insurance Prices for Your Sentra

Compare Rates and Save

Rankings for the cheapest car insurance companies in Minnesota
Rank Company Cost Per Year
1 Travelers $667
2 USAA $799
3 Farm Bureau Mutual $813
4 The Hartford $926
5 Western National $928
6 West Bend Mutual $943
7 Allied $1,174
8 American Family $1,242
9 State Farm $1,250
10 California Casualty $1,264
11 General Casualty $1,274
12 Auto-Owners $1,334
13 Farmers $1,351
14 Auto Club Group $1,352
15 Nationwide $1,378
16 Progressive $1,405
17 Allstate $1,423
18 North Star $1,446
19 Country $1,470
20 MetLife $1,534
Find Your Rate Go

Travelers may offer some of the cheapest car insurance rates in Minnesota at around $667 annually. USAA, Farm Bureau Mutual, The Hartford, and Western National also are some of the cheaper Minnesota car insurance companies.

In this example, if you buy coverage from USAA and switched to Travelers, you may realize a yearly savings of around $132. Insureds with Farm Bureau Mutual may save as much as $146 a year, and The Hartford policyholders might lower prices by $259 a year.

These premium estimates are averages for all types of drivers and the different vehicles they drive and and are not calculated with a specific rate value for a Nissan Sentra. So the auto insurance company that is most affordable for your situation may not even be featured in the list of companies above. That is why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.

How much more does full coverage cost?

Finding cheap insurance for a Nissan Sentra in Minnesota should be important to most drivers, and one great way to pay less for insurance is to not insure for full coverage. The chart below illustrates the difference between car insurance costs with full physical damage coverage compared to only buying liability only. The price estimates are based on no driving violations, no at-fault accidents, $100 deductibles, drivers are not married, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $100 Deductibles’, ‘Liability Only’],[‘Age 20’, 4023,1129],[‘Age 30’, 2039,621],[‘Age 40’, 2045,575],[‘Age 50’, 1855,539],[‘Age 60’, 1795,529],[‘Age 70’, 2177,707]]);var options = {title: ‘Full Coverage Rates Versus Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Nissan Sentra in Minnesota’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

If we average the cost for all age groups, comprehensive and collision coverage on your policy costs $2,322 per year over liability only. That is a large expense which might make you wonder if buying full coverage is a good investment. There is no set rule of when to exclude physical damage coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

Progressive vs State Farm vs Allstate vs Geico

When shopping for insurance for a Sentra in Minnesota, the first places to look would be Progressive, State Farm, Allstate, and Geico. All four offer physical damage and liability coverage, but each has somewhat different options that may influence your buying decision. The table below rates some of the ratings and options that are available for buyers.

Comparison of Top Four U.S. Auto Insurance Companies
Progressive State Farm Allstate Geico
Discounts Available 4th 3rd 1st 2nd
Price Overall 3rd 2nd 4th 1st
Handling of Claims 4th 2nd 1st 3rd
Client Satisfaction 3rd 4th 2nd 1st
Amount of market share 8.8% 18.3% 10% 11.4%
A.M. Best rating A+ A++ A+ A++
Standard & Poor’s financial rating AA AA AA- AA+
New car replacement No No Yes No
Accident forgiveness coverage Yes No Yes Yes
Rideshare coverage Yes Yes Yes Yes
Mechnical breakdown Yes No No Yes
Rating based on usage Yes Yes Yes No
Emergency roadside assistance Yes Yes Yes Yes
Offered in Minnesota Yes Yes Yes Yes
Compare Rates Now Go

How to find low-cost insurance for a Nissan Sentra

It is possible to find better rates, and here are some of the better penny-pinching solutions that can help you locate the cheapest coverage.

  • Good credit can help you save money
  • Full coverage is expensive so only insure older vehicles for liability only
  • Buy vehicles with five-star safety ratings
  • Increase your comprehensive and collision deductibles
  • Do not get traffic tickets
  • Prevent price hikes by avoiding at-fault accidents
  • Shop around for cheaper prices often

That final tip is extraordinarily critical, as we emphasized in the prior information. Car insurance rates in Minnesota can change significantly in a year, so drivers shouldn’t be resistant to switch to a new company if a cheaper rate is available.

Many drivers have brand loyalty and that’s fine, but it’s not a good idea if that faithfulness ends up costing you potentially thousands of dollars a year. Take a couple minutes and shop around and find cheaper insurance for a Nissan Sentra.

Who has the cheapest Nissan Sentra insurance quotes?

Thanks to the internet, there are a lot of ways to buy car insurance in Minnesota, but the most popular ways are from an independent insurance agent, a captive (or exclusive) agency such as Auto-Owners or State Farm, or direct online or over the phone from a company like Progressive or Geico. All three ways can provide car insurance quotes, but it’s good to know the differences in how they function.

Independent insurance agencies have contracts with multiple insurance companies and can provide price quotes from each one. These agents have the option to compare multiple rates, which can help you get a better comparison. If cheaper coverage is found, they simply move your policy to a different company which prevents you from having to find an new insurance agent.

A captive, or exclusive, agent is only able to place business with one insurance company, two examples being a Farmers or Allstate agent. They usually cannot provide rates from more than one company, which does not give you the best rate comparison.

Buying from a direct company means do not use the middleman (the agent) and buy buying direct from a company like Esurance or Progressive. Buying direct can be a good choice for people who have little risk and have some degree of understanding of what car insurance covers and what it doesn’t.

Which method is best to buy cheap insurance for a Nissan Sentra in Minnesota? It would be simple to say buying from a direct car insurance company saves the most money because there is no agent involved, but that turns out to not be true. It could also be said using an independent agent can save the most money due to increased selection, but that’s not always true, either. In many circumstances, exclusive agencies have very competitive rates that cannot be met by either independent or direct companies.

Due to the large number of rating factors, the only real way to get the lowest rate is to obtain price quotes and compare them. Industry experts recommend getting prices from all three to give yourself enough choices. For a list of companies offering online discounts, click here to view.