Finding competitive auto insurance for a Nissan Sentra in Ohio depends on a very complex rating algorithm that uses multiple factors such as how you use your vehicle, the likelihood of vehicle theft, and your motor vehicle report. Drivers in Ohio pay around $782 each year for Sentra insurance, but that is a projection based on a 50-year-old single female driver with full physical damage coverage and $100 deductibles.
There is a good probability you are not 50 and maybe not even a female, you might be married instead of single, or maybe you’re a renter instead of a homeowner. Each driver’s needs are different, and that demonstrates why the only real way to find the cheapest insurance price for your Nissan is to compare as many rates as you can. Compare rate quotes now and you will receive prices from some of the cheapest companies around.
The trim level of your Sentra has an effect on the yearly cost, so the price you pay to insure a Sentra 2 will be $144 cheaper than the insurance cost for the higher-end Sentra SE-R SPEC V trim level, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sentra 2 | $146 | $346 | $256 | $16 | $76 | $840 | $70 |
| Sentra 2.0 S | $146 | $408 | $256 | $16 | $76 | $902 | $75 |
| Sentra 2.0 SR | $146 | $408 | $256 | $16 | $76 | $902 | $75 |
| Sentra 2.0 SL | $168 | $408 | $256 | $16 | $76 | $924 | $77 |
| Sentra SE-R | $168 | $408 | $256 | $16 | $76 | $924 | $77 |
| Sentra SE-R SPEC V | $168 | $468 | $256 | $16 | $76 | $984 | $82 |
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Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Rate quotes do not factor in specific location which can revise premium rates noticeably.
Finding the highest-rated auto insurance provider is hard considering how many companies there are to choose from in Ohio. The information displayed below may help you decide which car insurance companies you want to consider when comparing rate quotes. The rankings below include the largest auto insurers in America, so companies that focus mainly on Ohio business will not be included in the list.
Top 10 Large Auto Insurance Providers Overall in Cincinnati
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
Top 10 Large Auto Insurance Providers in Cincinnati Ranked by Customer Satisfaction
- USAA – 92%
- Erie Insurance – 88%
- American Family – 88%
- State Farm – 88%
- Nationwide – 88%
- 21st Century – 88%
- AAA Insurance – 87%
- Liberty Mutual – 87%
- Farmers Insurance – 87%
- The Hartford – 87%
The example below demonstrates how choosing different deductibles can raise or lower insurance premiums when searching for cheap insurance for a Nissan Sentra. The premiums are based on a married female driver, comprehensive and collision coverage, and no other discounts are factored in.
In the chart above, a 40-year-old driver could reduce rates by $232 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $348 by changing to a $1,000 deductible. Youthful drivers, such as the Age 20 example, could roll back prices as much as $574 or more just by choosing higher deductibles when buying full coverage. If you do raise deductibles, it is essential to have enough funds in savings to allow you to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
Get discounts on Cincinnati auto insurance rates
Car insurance companies that sell policies for a Nissan Sentra may also give you price discounts that could potentially reduce rates by as much as 30% if you meet eligibility requirements. A few popular companies and their offered discounts are detailed below.
- State Farm may offer discounts for student away at school, Drive Safe & Save, good student, multiple autos, passive restraint, and good driver.
- GEICO may have discounts that include driver training, federal employee, five-year accident-free, emergency military deployment, seat belt use, anti-theft, and anti-lock brakes.
- Allstate policyholders can earn discounts including premier plus, teenSMART discount, anti-theft, farm vehicle, and eSmart discount.
- SAFECO may include discounts for teen safety rewards, drive less, homeowner, bundle discounts, safe driver, and anti-theft.
- Farm Bureau includes discounts for driver training, safe driver, multi-vehicle, good student, and renewal discount.
- Progressive offers premium reductions for homeowner, online signing, multi-vehicle, online quote discount, and multi-policy.
- AAA has discounts for multi-car, anti-theft, AAA membership discount, good driver, and multi-policy.
The illustration below compares insurance premiums with and without discounts applied to the premium. The information is based on a female driver, a clean driving record, no claims, Ohio state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with claim-free, marriage, passive restraint, defensive driving course, multiple vehicle, and homeowner discounts applied. When taking advantage of discounts, theaverage amount saved on auto insurance for a Nissan Sentra is 28% or $435.
The importance of comparing Sentra insurance rates
Cincinnati, OH auto insurance rates are calculated based on many things that can increase the price you pay for coverage. Simply having another birthday, having a teen driver, or getting a few speeding tickets may cause policy rate changes that may make certain companies cheaper than others.
In addition, insurance companies change rates as often as every three months as an adjustment for underwriting gains or losses. Heavier than normal losses may cause increased policy costs, while lower claim levels can produce lower-cost Sentra insurance rates.
The bar chart below analyzes the cheapest car insurance in Cincinnati, OH for a 40-year-old male driver with no accidents or violations, and a high credit rating. Based on his current situation, Utica National has the best car insurance rates in Cincinnati at $819 annually. This is $221 less than the average policy premium paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers also make the list of the most affordable Cincinnati, OH auto insurance companies.
The next chart shows rates after we give the driver in the first chart an at-fault accident, a lower credit rating, and a stop sign violation. Since every car insurance company has a different formula for setting rates, comparing prices may now show a completely different list of the cheapest Cincinnati car insurance companies as shown below.
Merchants Insurance Group now has the cheapest car insurance in Cincinnati with Cincinnati Insurance, Motorists Mutual, General Casualty, and Grange Mutual now rounding out the top five. This demonstrates why consumers need to perform a complete rate comparison when trying to find affordable car insurance rates for a Nissan Sentra. Prices are impacted by many factors and can change substantially, so the cheapest option two years ago may now be one of the more expensive options.
Ideas for finding economical auto insurance for a Nissan Sentra
The list below shows some money-saving solutions that can help drivers buy lower-cost car insurance.
- Do not get tickets or violations
- Do not get into accidents
- Raise deductibles
- Drop full coverage on older vehicles
- Good credit scores may make rates cheaper
- Safer vehicles generally have cheaper insurance rates
- Compare rate quotes often
The last suggestion is very vital, as we noted in the prior information. Prices charged by companies can be changed at any time, so drivers shouldn’t hesitate to buy a policy from a new company if a more affordable rate is found.
Having brand loyalty is commendable, but it isn’t a good idea if it’s costing you hundreds of dollars a year. Now is a great time to shop around and find cheaper auto insurance for a Nissan Sentra in Cincinnati.
The agents below are willing to help you determine which car insurance company is the best fit, as some drivers have questions and prefer to have a professional recommendation when trying to find the best insurance rates for a Nissan Sentra. It can be complicated to find the cheapest rate yourself, and getting professional guidance from a licensed agent can give peace of mind knowing your policy gives you suitable coverage if you have an accident. To find a Cincinnati insurance agent closest to you, click the button following the list or click here to get price quotes now.
- United Heartland Insurance Agencies
6701 Ruwes Oak Dr – Cincinnati, OH 45248 – (513) 896-5555 - Connor Smith – State Farm Insurance Agent
9620 Colerain Ave #25 – Cincinnati, OH 45251 – (513) 385-3385 - Scott Clark – State Farm Insurance Agent
3011 W Galbraith Road – Cincinnati, OH 45239 – (513) 931-9292 - Deatria Walker – State Farm Insurance Agent
3252 N Bend Rd – Cincinnati, OH 45239 – (513) 661-0400 - Gibbs and Associates Insurance
7710 Shawnee Run Rd # G2 – Cincinnati, OH 45243 – (513) 561-5551