Who Has Cheap Detroit Auto Insurance for a Nissan Sentra?

Finding competitive car insurance for a Nissan Sentra is pretty easy for most people to do, but it depends on a lot of factors such as your birth date, the size of your vehicle, and your policy deductibles. Drivers in Michigan will pay on average $1,883 per year to insure their Sentra, but that price is a projection using a 30-year-old married male driver with full coverage and $500 deductibles.

But there is a high probability that you’re not a 30-year-old male, possibly single instead of married, or maybe you need higher liability limits than the state minimum. Auto insurance requires individual risk assessment, so the best way to find the cheapest rates for your Nissan is to just take the time to compare rates yourself. Price quotes are quick and you will receive rate quotes from some of the cheapest companies that offer coverage in Michigan.

Cheapest Nissan Sentra Insurance Rates

Vehicle trim level can impact the cost of insurance, so the price to insure a Sentra 2 will be $314 less expensive the price to insure the more costly Sentra SE-R SPEC V model, as shown below.

Nissan Sentra Insurance Rates in Detroit, MI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $378 $726 $690 $40 $206 $2,040 $170
Sentra 2.0 S $378 $854 $690 $40 $206 $2,168 $181
Sentra 2.0 SR $378 $854 $690 $40 $206 $2,168 $181
Sentra 2.0 SL $434 $854 $690 $40 $206 $2,224 $185
Sentra SE-R $434 $854 $690 $40 $206 $2,224 $185
Sentra SE-R SPEC V $434 $984 $690 $40 $206 $2,354 $196
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Michigan minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Premium costs do not factor in garaging location in Detroit which can affect auto insurance rates considerably.

Comparing rates for affordable auto insurance is not the easiest thing to accomplish, and deciding which companies quote the cheapest auto insurance rates for a Nissan Sentra requires additional perseverance.

Each insurer uses a different method to establish rates, so we’ll take a look at the auto insurance companies that tend to be cheaper in Detroit, MI.

Cheap Insurance Rates for Your Sentra

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Rankings for the cheapest car insurance companies in Michigan
Rank Company Cost Per Year
1 USAA $978
2 GEICO $1,023
3 Safeco $1,069
4 MetLife $1,350
5 Chubb $1,428
6 Pioneer State Mutual $1,444
7 MEEMIC $1,450
8 Hastings Mutual $1,579
9 Frankenmuth $1,645
10 Auto-Owners $1,702
11 SECURA $1,832
12 Progressive $1,866
13 Wolverine Mutual $2,147
14 Hanover $2,305
15 Allied $2,309
16 Grange Mutual $2,345
17 Allmerica $2,362
18 Auto Club Group $2,391
19 Nationwide $2,516
20 Farm Bureau $2,573
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USAA may offer some of the best car insurance rates in Detroit at around $978 per year. This is $1,415 less than the average rate paid by Michigan drivers of $2,393. GEICO, Safeco, MetLife, and Chubb also are some of the cheapest Detroit, MI insurance companies.

As shown above, if you are a policyholder with GEICO and switched to USAA, you could realize savings of in the neighborhood of $45. Michigan drivers with Safeco may save as much as $91 a year, and MetLife customers might realize rate reductions of up to $372 a year.

Be aware that those estimates are averages across all ages of drivers and types of vehicles and are not factoring in a specific vehicle garaging location for a Nissan Sentra. So the auto insurance company that fits you best may not even be in the top 30 companies shown above. That affirms the importance of why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.

Liability rates compared to full coverage

Reducing the cost of auto insurance should be important to the majority of vehicle owners, and one of the best ways to lower the cost of insurance for a Nissan Sentra is to buy liability only. The information below visualizes the comparison of insurance premiums with full coverage and liability only. The price estimates are based on no driving violations, no at-fault accidents, $500 deductibles, single marital status, and no additional discounts are factored in.

Averaged for all ages 20 through 70, physical damage coverage costs $3,999 per year more than carrying just liability coverage. That brings up the question if buying full coverage is a waste of money. There isn’t a written rule that works best for making the decision to drop full coverage, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.

For example, let’s assume your vehicle’s claim settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $7,000 after you pay the deductible. If you are paying over $700 a year for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.

There are some conditions where buying only liability insurance is not in your best interest. If you haven’t paid off your loan, you have to maintain full coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should keep full coverage in place.

Low rates can quickly become overpriced

Michigan auto insurance rates are determined by lots of factors which can significantly increase or decrease the cost of your policy. Simply turning a year older, buying higher coverage limits, or getting a few speeding tickets can trigger changes in premium resulting in some rates now being cheaper than others.

In addition, companies file new Michigan auto insurance rates as needed to adjust for unexpected claims or profits. Significantly higher claims can result in rate increases, while better underwriting may cause more affordable Sentra insurance rates.

The graph below shows which companies have the cheapest car insurance in Detroit, MI for a 35-year-old female driver with no violations or accidents, and a good credit history. When comparing rates based on her current risk factors, USAA quotes the best car insurance rates in Detroit at $2,234 each year. This is $159 less than the average rate paid by Michigan drivers of $2,393. GEICO, Safeco, MetLife, and MEEMIC round out the rest of the most affordable Detroit, MI auto insurance companies.

Let’s now give the driver from the above example a chargeable accident, less-than-perfect credit, and a few traffic violations. Since every insurance provider has a proprietary formula to determine rates, getting updated rate quotes will most likely result in a completely different list of the cheapest Detroit car insurance companies as shown below.

GEICO now has the cheapest rate in Detroit, MI with Safeco, Pioneer State Mutual, Hastings Mutual, and USAA now being in the top five. This example illustrates why it is crucial to take the time to shop around when trying to find the cheapest insurance rates for a Nissan Sentra. Rates are influenced by many things and change substantially, so the most affordable company when you last compared rates may now be wasting a lot of money.

If you aren’t sure which coverage to buy and prefer to have some professional guidance when shopping for the best coverage for a Sentra, the professional agents shown below can help you determine which coverages are best.

To locate an agency by location nearest to you, click the link after the list or click here to compare price quotes now.

L.A. Insurance Agency 150
14701 Mack AveDetroit, MI 48215(313) 884-8888

Diebold Detroit Insurance Agency
1420 Broadway St #101Detroit, MI 48226(313) 964-3750

Kenya Wells – State Farm Insurance Agent
20021 Kelly RdDetroit, MI 48225(313) 822-5948

Detroit Insurance and Services
7752 Vernor HwyDetroit, MI 48209(313) 843-2730

Angela Hughes – State Farm Insurance Agent
14511 W McNichols RdDetroit, MI 48235(313) 862-7800

More Detroit, MI insurance agents

Ideas for finding low-cost auto insurance for a Nissan Sentra

The list below summarizes a few penny-pinching ideas that can help Detroit drivers buy cheap car insurance.

The final tip is remarkably vital, as was affirmed in the article above. Car insurance rates can change considerably based on profitability, so you should be ready to buy a different policy if a lower price can be found. Many drivers prefer to stick with one company, but it’s not a great idea if that loyalty results in overpaying hundreds of dollars a year. Now is a great time to shop around and find cheaper insurance for a Nissan Sentra in Detroit.