How much is insurance on a Nissan Sentra?

A 2024 Nissan Sentra runs about $2,260 a year for a typical 45-year-old, $310 more than an average car of the same age, because of more injury claims, more damage to others' property, and higher crash-repair losses. Putting a new 16-year-old on a family policy with the Sentra adds about $1,490 a year (#10 of 12 small four-door cars we compare).

2024 Nissan Sentra (Sentra), national average

about $2,260 a year (about $190 a month)

Estimated range: $1,650–$3,250. Actual quotes can fall outside it.

An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2013 Sentra drops to about $1,740 (see the table below).

A Nissan Sentra from the 2020–2025 generation. Photo: Kevauto, CC BY-SA 4.0, via Wikimedia Commons, cropped (credits).

Priced for the 2024 Sentra, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Sentra's rank is the same in every state.

Why the Nissan Sentra costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Nissan Sentra, on HLDI's scale where 100 is an average car and lower is better, it reports 132 for crash repairs, 91 for non-crash damage, 140 for damage to others' property, and 192 for injury claims.

Crash repairs (collision)fixing this car after a crashWorse than average32% worse than average11th best of the 12 small four-door cars we compare
Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage9% better than average7th best of the 12 small four-door cars we compare
Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultWorse than average40% worse than average11th best of the 12 small four-door cars we compare
Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costSubstantially worse than averagefiled 92% more often than averageworst of the 11 small four-door cars we compare

HLDI's ratings, best to worst:Substantially better than averageBetter than averageAverageWorse than averageSubstantially worse than averageInsufficient data

HLDI rates results within about 20% of average as “Average.”

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Sentra comes out about 20% worse than average. We count about a third of that difference, so the part of the bill that fixes the car is about 7% more than average: about $1,020 a year vs $950. On the liability side, damage to others and injury claims combine to about 70% worse than average. Counting about half would go past the band insurers' own car ratings stay inside, so we hold that part at 25% more than average: $1,240 a year vs $990.

How the math works

In EPA size classes, the Sentra is a midsize car (gas-powered). In Highway Loss Data Institute loss tables, the Nissan Sentra is benchmarked against small four-door cars.

This car's repair losses run a bit above the cars we could check against real prices, so the range reaches higher.

Matched to HLDI series “Nissan Sentra” (HLDI, 2022–24 models).

A used Nissan Sentra, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.
Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Sentra (0–3 years old)	about $2,260	about $1,240	+$1,490	about $6,480
2022 Sentra (4–7 years old)	about $2,140	about $1,240	+$1,410	about $6,130
2018 Sentra (8–12 years old)	about $1,830	about $1,050	+$1,210	about $5,250
2013 Sentra (13 or more years old)	about $1,740	about $1,130	+$1,150	about $4,980

Our catalog covers the Nissan Sentra across model years 2006–2027. Full coverage on a used 2013 Sentra (13 or more years old) runs about $1,740 a year, $520 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $1,130 a year. Each photo shows that year's generation of the car. Photo credits.

All 2 versions of the 2024 Nissan Sentra in our catalog (Sentra and Sentra SR) price within about $50 a year of each other.

On a policy of their own with a 2024 Nissan Sentra, a 22–25-year-old pays about $2,940 a year ($680 more than a 45-year-old), a 26–39-year-old about $2,510, and a driver 65 and older about $2,370.

Adding a 16-year-old with a Nissan Sentra

A new driver costs more with any car, and more than usual with the Nissan Sentra: adding a 16-year-old raises the family bill by about $1,490 a year ($125 a month), $210 more than adding a teen with an average car of the same age. A separate policy in the 16-year-old's own name runs about $6,480 a year ($4,990 more than adding them to the family policy).

For adding a teen driver, the Nissan Sentra ranks 17th most expensive out of all 121 models we track. Stepping down to a used 2013 Sentra (13 or more years old) brings the teen add-on to about $1,150 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar small four-door cars

Among these 12 small four-door cars, the Nissan Sentra is the 3rd most expensive to insure. Right next to it are the Hyundai Elantra (about $2,230 a year) and the Kia Forte (about $2,270).

Photos from Wikimedia Commons contributors. Photo credits.

What a Nissan Sentra costs in your state

In six sample states, a 2024 Nissan Sentra runs from about $1,540 a year in Idaho through Ohio, Minnesota, Missouri and Michigan to about $2,970 in New York:

Idahoabout $1,540/yr · +$1,020 teen
Ohioabout $1,630/yr · +$1,070 teen
Minnesotaabout $1,920/yr · +$1,270 teen
Missouriabout $2,080/yr · +$1,370 teen
Michiganabout $2,470/yr · +$1,630 teen
New Yorkabout $2,970/yr · +$1,960 teen

All 50 states and DC · Updated November 5, 2026.

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