Nissan Sentra insurance cost image courtesy of QuoteInspector.com
Buying cheap insurance for a Nissan Sentra in Maryland is normally pretty easy, but it is dependent upon a pretty complex algorithm that uses a lot of factors such as your financial responsibility, your claims history, and any driving offenses on your record. Drivers in Maryland will pay around $1,105 per year to insure their Sentra, but that price is an estimation based upon a 50-year-old married male driver with full coverage and $250 deductibles.
If we were betting, you are not 50 years old and maybe not even male, possibly single instead of married, and maybe you want higher deductibles. Car insurance coverage is unique to each driver, so this is why the best method for finding cheap car insurance rates for your Nissan is to do the rate comparisons yourself.
The trim level of your vehicle has an effect on the annual cost of coverage, so the price you will be charged to insure a Sentra 2 will be $190 less than the cost to insure the high end Sentra SE-R SPEC V version, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sentra 2 | $214 | $450 | $390 | $24 | $116 | $1,194 | $100 |
| Sentra 2.0 S | $214 | $530 | $390 | $24 | $116 | $1,274 | $106 |
| Sentra 2.0 SR | $214 | $530 | $390 | $24 | $116 | $1,274 | $106 |
| Sentra 2.0 SL | $244 | $530 | $390 | $24 | $116 | $1,304 | $109 |
| Sentra SE-R | $244 | $530 | $390 | $24 | $116 | $1,304 | $109 |
| Sentra SE-R SPEC V | $244 | $610 | $390 | $24 | $116 | $1,384 | $115 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Maryland minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Price information does not factor in specific location which can change coverage prices greatly.
Selecting a good quality car insurance provider is hard considering how many choices drivers have in Maryland. The company information listed below may help you choose which insurers you want to consider purchasing coverage from. These rankings only include companies that insure vehicles nationwide, so companies that have a smaller presence are not included in this list.
Top 10 Large Auto Insurance Providers in Baltimore Ranked by Value
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance
- Titan Insurance
Top 10 Large Auto Insurance Providers in Baltimore Ranked by Customer Satisfaction
- USAA - 91%
- AAA Insurance - 90%
- Esurance - 90%
- Nationwide - 89%
- Travelers - 88%
- Progressive - 88%
- Safeco Insurance - 88%
- State Farm - 88%
- Allstate - 88%
- The Hartford - 87%
Get discount Baltimore car insurance
Car insurance companies that offer quotes for a Nissan Sentra could also offer rate discounts that could lower prices by 40% or more if you qualify for them. Larger car insurance companies and their possible discounts can be found below.
- Progressive has savings for continuous coverage, multi-policy, good student, online quote discount, homeowner, online signing, and multi-vehicle.
- MetLife may have discounts that include claim-free, good driver, good student, multi-policy, and defensive driver.
- Mercury Insurance may offer discounts for location of vehicle, anti-theft, type of vehicle, multi-policy, professional/association, and low natural disaster claims.
- Nationwide includes discounts for anti-theft, multi-policy, Farm Bureau membership, family plan, defensive driving, business or organization, and easy pay.
- GEICO discounts include good student, anti-theft, seat belt use, multi-vehicle, anti-lock brakes, federal employee, and five-year accident-free.
- AAA offers discounts including education and occupation, anti-theft, good student, good driver, multi-policy, pay-in-full, and AAA membership discount.
The chart below visualizes the comparison of car insurance costs with and without discounts. The data assumes a female driver, no claims or driving violations, Maryland state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with marriage, multiple policy, homeowner, safe-driver, claim-free, and accident-free discounts applied. When these discounts are applied to the policy premium, theamount saved on car insurance for a Nissan Sentra is 28% or $627.
The illustration below illustrates how choosing a deductible can impact insurance premiums when getting quotes for cheap insurance for a Nissan Sentra. The price estimates are based on a single female driver, comp and collision included, and no discounts are taken into consideration.
The data above shows that a 30-year-old driver could save $558 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $834 by switching to a $1,000 deductible. Young drivers, like the 20-year-old, could lower their rates $1,256 annually just by using higher deductibles.
When choosing a higher deductible, it is a good idea to have plenty of discretionary funds to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
What aren't you shopping around?
Baltimore, MD car insurance rates are calculated based on many things which can substantially change the price you pay. Simply turning a year older, increasing deductibles, or getting caught speeding may cause policy rate changes that can cause some rates to be much cheaper than others.
Additionally, car insurance companies file new Maryland car insurance rates multiple times each year in order to remain profitable. An unexpected high level of claims can cause high rates, while lower claim expenses can result in more affordable Sentra insurance rates.
To illustrate this point, the data below shows rates for the cheapest car insurance in Baltimore, MD for a 35-year-old female driver with no violations or accidents, and good credit. When quoting prices based on her current situation, USAA has the best car insurance rates in Baltimore at $1,629 per year. This is $70 more than the average policy premium paid by Maryland drivers of $1,559. Liberty Mutual, Penn National, Erie, and State Auto are the remainder of the cheapest Baltimore, MD auto insurance companies.
In the next rate comparison, we'll give the driver from above some claims, a little lower credit rating, and a speeding citation. Since each auto insurance company has a different process to determining premium rates, comparing insurance quotes will most likely result in a slightly different list of affordable companies as shown below.
Nationwide now has the cheapest auto insurance in Baltimore with MetLife, Travelers, GEICO, and California Casualty now rounding out the top five. This shows why it is crucial to perform an extensive rate comparison when trying to find affordable car insurance quotes for a Nissan Sentra. Car insurance prices are made up of many factors and can decrease or increase without notice, so the best option the last time you compared rates may now be an over-priced policy.
If you like to have a consultation when shopping for cheaper insurance for a Nissan Sentra, the agencies below are willing to help you determine which is the best policy.
To locate an agency in your neighborhood, click the button following the list or click here to compare price quotes.
- Kirby Insurance Agency, Inc.
14 W Saratoga St #100 - Baltimore, MD 21201 - (410) 837-2320 - Goad Insurance Agency
3229 Erdman Ave - Baltimore, MD 21213 - (410) 558-0396 - Rosasco and Yetter Insurance Agency
8831 Satyr Hill Rd #302 - Baltimore, MD 21234 - (410) 661-1440 - Maryland Auto Insurance (the new MAIF)
1215 E Fort Ave #300 - Baltimore, MD 21230 - (800) 492-7120
View more Baltimore, MD insurance agents
How to find low-cost auto insurance for a Nissan Sentra
The list below summarizes many thrifty suggestions that can help Maryland drivers buy cheap car insurance.
- Remain accident-free and save
- Remove physical damage coverage on older vehicles
- Bundle car and home insurance and save money
- Buy a car with high safety ratings
- Increase your credit score
- Shop around for cheaper prices often
That last piece of advice is incredibly critical, as was pointed out in the prior information. Prices change a lot, so drivers shouldn't hesitate to buy a policy from a new company if you can find a cheaper rate.
Staying with the same company for years is fine, but we do not recommend it if that loyalty results in overpaying major coinage every year. It takes less than five minutes to shop around and find cheaper car insurance for a Nissan Sentra in Baltimore.