Buying the best cheap insurance for a Nissan Sentra in Texas is pretty simple for most people to do, but it depends on a fairly complex equation with a lot of factors such as miles driven annually, whether or not you have prior claims, and if you have tickets or violations. Texas drivers pay around $1,191 per year for Sentra insurance, but that cost is a valuation using a 40-year-old single male driver with full coverage and $500 deductibles.
But there is a good chance that you are not 40 and maybe not even a male, you might be married instead of single, or maybe you have a teenager that needs to be on your policy. This illustrates why the way we recommend to find the cheapest insurance price for your Nissan is to do a thorough rate comparison.
Cheapest Nissan Sentra Insurance Rates
The trim level of your Sentra will most likely have an effect on the yearly cost, so the price you pay to insure a Sentra 2 will be $194 cheaper than the insurance cost for the more costly Sentra SE-R SPEC V model, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sentra 2 | $204 | $460 | $462 | $28 | $138 | $1,292 | $108 |
| Sentra 2.0 S | $204 | $542 | $462 | $28 | $138 | $1,374 | $115 |
| Sentra 2.0 SR | $204 | $542 | $462 | $28 | $138 | $1,374 | $115 |
| Sentra 2.0 SL | $234 | $542 | $462 | $28 | $138 | $1,404 | $117 |
| Sentra SE-R | $234 | $542 | $462 | $28 | $138 | $1,404 | $117 |
| Sentra SE-R SPEC V | $234 | $624 | $462 | $28 | $138 | $1,486 | $124 |
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Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rates do not factor in specific garaging location which can change coverage rates substantially.
Deciding which companies offer the best insurance rates for a Nissan Sentra will take a little more sweat than just quoting one company’s rates. Every insurance company has their own unique process to determine rates, so let’s rank the insurance companies that tend to be cheaper in Texas.
Find Cheaper Car Insurance for Your Sentra
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,021 |
| 2 | USAA | $1,084 |
| 3 | Texas Farm Bureau | $1,211 |
| 4 | Germania Mutual | $1,294 |
| 5 | Esurance | $1,407 |
| 6 | California Casualty | $1,438 |
| 7 | State Farm | $1,465 |
| 8 | Mercury | $1,506 |
| 9 | Safe Auto | $1,565 |
| 10 | Nationwide | $1,600 |
| 11 | Allstate | $1,667 |
| 12 | Progressive | $1,698 |
| 13 | Amica | $1,723 |
| 14 | GEICO | $2,072 |
| 15 | Home State | $2,134 |
| 16 | MetLife | $2,249 |
| 17 | Encompass | $2,255 |
| 18 | Unitrin | $2,310 |
| 19 | 21st Century | $2,396 |
| 20 | Titan | $2,568 |
| Quote Your Rates Go | ||
Travelers has some of the lowest car insurance rates in Corpus Christi at around $1,021 a year. This is $883 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also some of the lowest-priced Corpus Christi, TX auto insurance companies.
As shown in the table above, if you are currently insured with Germania Mutual and switched to Travelers, you could see yearly savings of approximately $273. Insureds with Esurance may save as much as $386 a year, and California Casualty insureds might lower prices by up to $417 a year.
To see if your current coverage is too expensive, click here to get quotes or quote prices from the following companies.
Remember that these premium estimates are averaged across all types of drivers and the different vehicles they drive and do not factor in an exact zip code location for a Nissan Sentra. So the insurer that can offer the best rates for your situation may not even be in the top 23 companies in the list above. That affirms the importance of why you need to get auto insurance quotes using your own personal information and vehicle type.
Get discount Corpus Christi auto insurance
Car insurance companies that provide policies for a Nissan Sentra could also offer discounts that could potentially reduce rates by as much as 30% if you qualify. Popular insurance companies and some of their more popular discounts are outlined below.
- 21st Century discounts include anti-lock brakes, automatic seat belts, homeowners, 55 and older, and driver training.
- State Farm has discounts for safe vehicle, multiple policy, passive restraint, driver’s education, anti-theft, and student away at school.
- AAA may have discounts that include good driver, multi-policy, education and occupation, AAA membership discount, multi-car, pay-in-full, and good student.
- Liberty Mutual offers discounts including safety features, exclusive group savings, hybrid vehicle, newly married, multi-car, new move discount, and new graduate.
- Progressive offers premium reductions for multi-policy, online signing, homeowner, multi-vehicle, and online quote discount.
The illustration below illustrates the comparison of insurance premiums with and without some available policy discounts. The costs are based on a female driver, a clean driving record, no claims, Texas state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with accident-free, multiple vehicle, homeowner, defensive driving course, marriage, and claim-free discounts applied. When taking advantage of discounts, theamount saved on insurance for a Nissan Sentra is 28% or $555.
Here’s why price comparisons are so important
Corpus Christi insurance rates are based on many factors that will increase or decrease the policy premium. Turning one year older, getting married, or getting a driving violation may generate price changes that may make certain companies cheaper than competitors.
And not only may your rating factors change, but companies file new rates at least once a year in order to be able to pay unexpected claims. Significantly higher losses may result in more expensive premiums, while less frequent claims may result in more affordable Sentra insurance rates.
As an example, the bar chart below demonstrates which company has the cheapest car insurance in Corpus Christi, TX for a 40-year-old male driver with no accidents or violations, and a high credit rating. If we estimate rates based on his personal profile, Travelers has the most affordable car insurance rates in Corpus Christi at $1,111 annually. This is $793 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the list of the best Corpus Christi, TX auto insurance companies.
The chart below compares rates after we give the driver in the first chart an accident claim, a little lower credit rating, and a speeding ticket. Because each company has a unique approach to set policy rates, comparing insurance quotes will most likely result in a completely different list of the cheapest car insurance companies in Corpus Christi as shown below.
State Farm now has the cheapest car insurance in Corpus Christi with Mercury, Nationwide, Safe Auto, and USAA now being in the top five. This example illustrates why consumers need to take the time to do a thorough rate comparison to get the lowest insurance quotes for a Nissan Sentra. Insurance rates can be altered by many factors and change dramatically, so the lowest-price company the last time you compared rates may now be wasting a lot of money.
How to find cheaper insurance for a Nissan Sentra
The list below summarizes many penny-pinching solutions that can help drivers get more affordable coverage.
- Ensure your driving record is clean
- Full coverage may not be needed on older vehicles
- Pay less by remaining claim-free
- Choose a safer vehicle and pay lower rates
- Bundle car and home insurance and save money
- Avoid accidents
- Shop around for lower rates once a year
That last idea is particularly vital, as was pointed out in the article above. Insurance rates change frequently, so don’t hesitate to change to a new company if a more affordable rate is found.
Loyalty to a specific company is fine, but it’s not a great idea if your bullheadedness ends up costing you several hundred dollars every year. Now is a great time to shop around and find cheaper car insurance for a Nissan Sentra in Corpus Christi.
If you aren’t sure which coverage you need and prefer to get some guidance when comparing insurance rates for a Nissan Sentra, the agencies below can help you make a decision which auto insurance policy would work best for you.
To locate a Corpus Christi insurance agent in your neighborhood, click the link at the bottom or click here to compare prices now.
- Alba Insurance Inc
5022 Holly Rd #108 – Corpus Christi, TX 78411 – (361) 854-6551 - Mc Kenzie and Shell Insurance
4444 Corona Dr # 103 – Corpus Christi, TX 78411 – (361) 854-3046 - GEICO Insurance Agent
6349 S Padre Island Dr – Corpus Christi, TX 78412 – (361) 992-4955 - Farmers Insurance – Dennis Trevino
6410 Weber Rd #11d – Corpus Christi, TX 78413 – (361) 814-0123 - IBC Insurance Agency
221 S Shoreline Blvd – Corpus Christi, TX 78401 – (361) 985-1900