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

Finding the cheapest insurance for a Nissan Sentra in New Jersey relies on many rating factors such as how you use your Sentra, if you are a frequent claim filer, and any prior driving citations you have received. New Jersey drivers will pay on average $2,050 each year for Sentra insurance, but that is calculated based on a 30-year-old single female driver with full comprehensive and collision coverage and $100 deductibles.

There’s a good chance you may not be 30 years old (or even female), maybe you are married instead of single, or maybe you just want liability only instead of full coverage. Just a slight change in rating variables can make a large difference in the cost of insurance.

Every driver’s needs are different, and that is why the only way to find the cheapest insurance price for your Nissan is to just compare rates yourself.

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The specific model of Sentra has an effect on the cost of insurance, so the price to insure a Sentra 2 will cost $388 less than the insurance cost for the higher-end Sentra SE-R SPEC V version, as shown in the chart below.

Nissan Sentra Insurance Rates in Newark, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $400 $918 $648 $38 $194 $2,198 $183
Sentra 2.0 S $400 $1082 $648 $38 $194 $2,362 $197
Sentra 2.0 SR $400 $1082 $648 $38 $194 $2,362 $197
Sentra 2.0 SL $460 $1082 $648 $38 $194 $2,422 $202
Sentra SE-R $460 $1082 $648 $38 $194 $2,422 $202
Sentra SE-R SPEC V $460 $1246 $648 $38 $194 $2,586 $216
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Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Prices do not factor in specific location which can decrease or increase premiums greatly.

Insuring your vehicle with the top auto insurance provider can be challenging considering how many companies there are in New Jersey. The company ratings listed below may help you analyze which coverage providers you want to consider when comparing auto insurance rates for a Nissan Sentra. The ratings below are for companies who write in the majority of U.S. states, so companies without a large exposure are not factored into the list.

Top 10 Large Car Insurance Companies Overall in Newark

  1. Mercury Insurance
  2. The Hartford
  3. Progressive
  4. Travelers
  5. State Farm
  6. Farmers Insurance
  7. Safeco Insurance
  8. USAA
  9. GEICO
  10. 21st Century

The example below shows how choosing a deductible can influence insurance premiums when researching cheap insurance for a Nissan Sentra. The prices are based on a single female driver, full coverage, and no policy discounts are applied.

The chart above illustrates that a 50-year-old driver could reduce rates by $440 a year by switching from a $100 deductible up to a $500 deductible, or save $662 by changing to a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, could drop their prices $1,128 every year just by choosing higher deductibles when buying full coverage.

When using a larger deductible, it is a good idea to have enough savings to enable you to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Your low-price policy may be costing you money

Newark, NJ car insurance rates are impacted by many factors that will increase or decrease the price of your policy. Simply having another birthday, buying a new vehicle, or getting a ticket for careless driving can trigger price changes that can now make some companies more affordable than before. In addition to those changes, auto insurance companies file new New Jersey auto insurance rates without warning to help ensure profitability. A period of higher than normal claims can cause higher priced premiums, while better underwriting may result in lower-cost Sentra insurance rates.

The data below shows the companies that have the cheapest car insurance in Newark, NJ for a 35-year-old female driver with no accidents, a clean driving record, and good financial standing. Based on her personal risk profile, 21st Century might quote the best car insurance rates in Newark at $1,707 each year. This is $145 less than the average policy premium paid by New Jersey drivers of $1,852. Travelers, New Jersey Manufacturers, Penn National, and Palisades are the remaining cheapest Newark, NJ auto insurance companies.

The example below compares rates after we give the driver from the first rate comparison a claim, bad credit, and an imperfect driving record. Because each company has a unique formula for establishing rates, comparing prices may now result in a substantially altered list of the cheapest Newark car insurance companies as shown below.

The Hartford now has the best auto insurance rate in Newark with Allstate, USAA, Mercury, and Travelers now being in the top five. This example shows why consumers need to compare rates to find affordable auto insurance quotes for a Nissan Sentra.

Prices are influenced by many factors and change substantially, so the cheapest rate a year ago may now be priced much higher than other options.