Buying the best cheap auto insurance for a Nissan Sentra in Nevada hinges on a lot of things such as how far you commute, where you live, and if you have tickets or violations. Drivers in Nevada pay around $1,088 per year for Sentra insurance, but that figure is a valuation using a 40-year-old single male driver with full coverage and $250 deductibles.

Most likely you are not 40 and maybe not even a male, you might be married instead of single, or maybe your Sentra is old enough that it doesn't require full coverage. Have just a small change in rating criteria or coverage limits can result in a big discrepancy in the policy rate.

There is no one cookie-cutter policy that works for everyone, so the only way to find cheap insurance prices for your Nissan is to compare rates from as many companies as possible.

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The specific model of Sentra tends to have a direct effect on the annual cost of coverage, so the rate you pay to insure a Sentra 2 will be $194 lower than the cost to insure the more well-appointed Sentra SE-R SPEC V version, as demonstrated by the prices below.

Nissan Sentra Insurance Rates in Nevada
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $204 $462 $372 $22 $112 $1,172 $98
Sentra 2.0 S $204 $544 $372 $22 $112 $1,254 $105
Sentra 2.0 SR $204 $544 $372 $22 $112 $1,254 $105
Sentra 2.0 SL $234 $544 $372 $22 $112 $1,284 $107
Sentra SE-R $234 $544 $372 $22 $112 $1,284 $107
Sentra SE-R SPEC V $234 $626 $372 $22 $112 $1,366 $114
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Premium costs do not factor in Nevada location which can modify insurance rates substantially.

Best car insurance company in Nevada

Selecting a highly-rated insurance company is difficult considering how many companies provide coverage in Nevada. The company ratings in the next section could help you choose which companies you want to consider when comparing rate quotes.

These ratings include companies with a nationwide focus, so smaller regional companies will not be included in the list. If you'd like to compare prices from the most competitive companies in Nevada, just click here.

Top 10 Major Car Insurance Companies Overall in Nevada

  1. USAA
  2. American Family
  3. State Farm
  4. The Hartford
  5. AAA Insurance
  6. GEICO
  7. The General
  8. Titan Insurance
  9. Progressive
  10. Mercury Insurance

Top 10 Major Car Insurance Companies in Nevada Ranked by Customer Service

  1. GEICO
  2. State Farm
  3. The Hartford
  4. Mercury Insurance
  5. The General
  6. Progressive
  7. Allstate
  8. AAA Insurance
  9. American Family
  10. Nationwide

Top Companies for Nissan Sentra Insurance in Nevada

Full coverage rates vs. liability-only

Finding the cheapest car insurance should be important to most drivers, and a great way to find cheap insurance for a Nissan Sentra in Nevada is to not buy full coverage. The illustration below shows the comparison of insurance costs with full coverage compared to only the Nevada minimum liability coverage. The data is based on no violations or accidents, $500 deductibles, drivers are single, and no discounts are applied to the premium.

As an average, full coverage on your policy costs $1,828 per year more than insuring for liability only. That amount may make you wonder if buying full coverage is worth the expense. There is no specific rule to eliminate physical damage coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

For example, let's say your vehicle's replacement value is $5,500 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company will settle for is $4,500 after paying your policy deductible. If you are paying over $450 a year for comprehensive and collision coverage, then you might consider buying liability only.

Poor driving habits will raise your car insurance rates

The obvious way to score the most affordable car insurance prices in Nevada for a Sentra is to be a cautious driver and avoid traffic citations and accidents. The diagram below demonstrates how speeding tickets and fender-benders drive up yearly insurance costs for different age groups. The price estimates are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.

In the prior example, the average cost of auto insurance per year with no violations or accidents is $1,616. Factor in one speeding ticket and the average cost increases to $1,823, an increase of $207 each year. Now include one accident along with the one speeding ticket and the 12-month cost of car insurance for a Nissan Sentra in Nevada jumps again to an average of $2,404. That's an increase of $788, or $66 per month, just for being a less-than-perfect driver!

How to find budget-friendly insurance for a Nissan Sentra in Nevada

The list below summarizes many penny-pinching ideas that can help Nevada drivers quote low-cost auto insurance.

That final tip is extraordinarily significant, as we stressed in the article above. Auto insurance prices can change in a short period of time, so don't be unwilling to switch companies if a cheaper rate is available. Staying with the same car insurance company is fine, but we do not recommend it if that dedication is costing thousands of dollars over several years. In just a couple of minutes you could compare prices and find cheaper insurance for a Nissan Sentra.