What Car Insurance is Cheapest for a Nissan Sentra in Indianapolis?

Finding competitive car insurance for a Nissan Sentra in Indiana relies on many different factors such as whether you use your Sentra for business use, your claims history, and your choice of deductibles. Indiana drivers will pay on average $847 a year for Sentra insurance, but that price is calculated using a 30-year-old single female driver with full coverage and $1,000 deductibles.

But there is a high likelihood that you aren’t exactly 30 years old or even a female, married instead of single, or you just want cheap liability insurance instead of full coverage. This example demonstrates why the best way to find the cheapest insurance price for your Nissan is to compare rates from as many companies as possible.

Insure Your Nissan for Less

The trim level of your Nissan will likely have an effect on the insurance rate, so the rate you pay to insure a Sentra 2 trim level will be $120 less than the insurance cost for the more well-appointed Sentra SE-R SPEC V trim level, as demonstrated by the prices below.

Nissan Sentra Insurance Rates in Indianapolis, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $130 $282 $380 $22 $114 $928 $77
Sentra 2.0 S $130 $334 $380 $22 $114 $980 $82
Sentra 2.0 SR $130 $334 $380 $22 $114 $980 $82
Sentra 2.0 SL $148 $334 $380 $22 $114 $998 $83
Sentra SE-R $148 $334 $380 $22 $114 $998 $83
Sentra SE-R SPEC V $148 $384 $380 $22 $114 $1,048 $87
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Estimates do not factor in vehicle location which can increase or decrease prices considerably.

Determining which company quotes the lowest-priced insurance rates for a Nissan Sentra takes a little more effort than just picking a company at random. Every insurance provider uses their own calculation to set their prices, so let’s examine the insurance companies with the overall best prices in Indiana.

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Rankings for the cheapest Indiana auto insurance companies
Rank Company Cost Per Year
1 Travelers $596
2 Cincinnati Insurance $658
3 USAA $661
4 Erie $705
5 Western Reserve $838
6 The Hartford $863
7 Indiana Farmers Mutual $867
8 Auto-Owners $915
9 Nationwide $930
10 State Farm $957
11 Safeco $973
12 Hastings Mutual $983
13 Utica National $995
14 Motorists Mutual $996
15 Farmers $1,053
16 Wolverine Mutual $1,094
17 Westfield $1,094
18 Progressive $1,095
19 State Auto $1,098
20 GEICO $1,122
Find Your Rate Go

Travelers normally has some of the cheapest car insurance rates in Indianapolis at around $596 each year. Cincinnati Insurance, USAA, Erie, and Western Reserve also are some of the more affordable Indianapolis, IN car insurance companies.

As depicted above, if you are a customer of Western Reserve and switched to Cincinnati Insurance, you could earn savings of roughly $180. Customers with The Hartford could save as much as $205 a year, and Indiana Farmers Mutual customers might reduce prices by as much as $209 a year.

If you would like to find cheaper car insurance rates, click here to get quotes or feel free to get quotes from the companies below.

Remember that these premiums are averages across all ages of drivers and types of vehicles and are not factoring in a specific zip code for a Nissan Sentra. So the insurer that has the cheapest price for you may not even be in the top 36 companies shown above. That points out the importance of why you need to get rate quotes from many companies using your own driver and vehicle profiles.

Price comparison of only insuring for liability

Reducing premiums for insurance is probably important to most people, and one common way to pay less for insurance for a Nissan Sentra is to only buy liability coverage. The illustration below visualizes the comparison of insurance costs with liability coverage only compared to full coverage. The prices are based on a clean driving record, no at-fault accidents, $100 deductibles, marital status is single, and no additional discounts are factored in.

As an overall average, physical damage coverage on your policy costs an extra $2,018 per year more than insuring for liability only. At some point, about every driver wonders if full coverage is worth the money. There is no set rule of when to phase out comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than 10% of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.

Why you should be shopping around

Indianapolis insurance rates are calculated based on many things which can substantially decrease or increase the price you pay. Improving your credit score, moving across town, or getting a reckless driving citation can cause premium changes that can now make some companies cheaper than competitors.

In addition to those changes, companies change premium rates as needed to adjust for unexpected claims or profits. A period of increased losses may cause additional price hikes, while less frequent claims can produce cheaper Sentra insurance rates.

The bar chart below demonstrates which company has the cheapest car insurance in Indianapolis, IN for a 40-year-old male driver with no violations or accidents, and excellent credit. When quoting prices based on his personal profile, Travelers might quote the most affordable car insurance rates in Indianapolis at $732 annually. This is $508 less than the average policy premium paid by Indiana drivers of $1,240. USAA, Cincinnati Insurance, Erie, and Western Reserve are the remaining best Indianapolis, IN auto insurance companies.

Now we will pretend the driver from above a chargeable claim, a little lower credit rating, and a traffic ticket or two. Due to the fact that every insurance company has a different formula to set policy rates, comparing quotes could now result in a significantly different list of the cheapest car insurance companies in Indianapolis as shown below.

The Hartford now has the cheapest price in Indianapolis, IN with Auto-Owners, USAA, Cincinnati Insurance, and Nationwide now rounding out the top five. This demonstrates why it is important to do a thorough rate comparison to find the most economical auto insurance rates for a Nissan Sentra. Insurance rates can be altered by many risk factors and change frequently, so the most economical option three years ago may now be costing you a lot of money.

How to find cheaper car insurance for a Nissan Sentra

It is possible to find better rates, and here are a few thrifty ideas that can help Indiana drivers buy low-cost coverage.

The last item on the list is especially vital, as we pointed out in this article. Rates change constantly, so you should be ready to switch to a new company if a lower-cost policy is available.

Staying with the same car insurance company is fine, but it isn’t a good idea if that dedication is costing a small fortune. Spend a few minutes and compare rates and find cheaper insurance for a Nissan Sentra in Indianapolis.

If you aren’t sure which coverage to buy and prefer to have the advice of a professional agent when buying car insurance for a Nissan Sentra, the agencies below are a good start to help you determine which policy is best. To find an Indianapolis insurance agency closest to you, click the button at the bottom.

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