How Much are Car Insurance Rates for a Nissan Sentra in Mesa?

Buying affordable insurance for a Nissan Sentra in Arizona doesn’t take too much effort, but it relies on a lot of rating criteria such as age of the driver, your claims history, and physical damage deductibles. Drivers in Arizona will pay around $1,281 annually to insure their Sentra, but that figure is an estimation using a 30-year-old single female driver with full comprehensive and collision coverage and $100 deductibles.

There’s a high likelihood you aren’t exactly 30 years old or even a female, you might be married instead of single, and you don’t want the same coverages and limits as the example. Auto insurance is not the same for everyone, so the only way to find the most affordable coverage for your Nissan is to do a thorough rate comparison. To start saving now, get free quotes and you will be able to see rates from top-rated companies that insure Nissan vehicles in Arizona.

View Nissan Sentra Insurance Rates

The specific trim level will have an impact the cost of insurance, so the price to insure a Sentra 2 model will cost $240 less than the price to insure the fancier Sentra SE-R SPEC V trim level, as demonstrated by the prices below.

Nissan Sentra Insurance Rates in Mesa, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $250 $574 $404 $24 $122 $1,374 $115
Sentra 2.0 S $250 $676 $404 $24 $122 $1,476 $123
Sentra 2.0 SR $250 $676 $404 $24 $122 $1,476 $123
Sentra 2.0 SL $286 $676 $404 $24 $122 $1,512 $126
Sentra SE-R $286 $676 $404 $24 $122 $1,512 $126
Sentra SE-R SPEC V $286 $778 $404 $24 $122 $1,614 $135
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Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Rate information does not factor in specific Mesa garaging location which can increase or decrease insurance rates noticeably.

Insuring your vehicle with the top insurance provider can be challenging considering how many companies there are to choose from in Arizona. The ranking information shown next could help you decide which auto insurance companies you want to consider shopping your coverage with. The ratings below are for the largest auto insurers in America, so companies that may only write in Arizona are not included in these rankings.

Top 10 Large Auto Insurance Providers in Mesa Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA Insurance – 91%
  4. State Farm – 90%
  5. Nationwide – 90%
  6. The Hartford – 89%
  7. GEICO – 89%
  8. The General – 88%
  9. 21st Century – 88%
  10. Liberty Mutual – 88%

Top 10 Large Auto Insurance Providers in Mesa Ranked by Customer Service

  1. State Farm
  2. GEICO
  3. The Hartford
  4. Mercury Insurance
  5. Progressive
  6. The General
  7. Allstate
  8. AAA Insurance
  9. American Family
  10. Nationwide

The example below shows how different deductible levels can affect insurance costs when quoting cheap insurance for a Nissan Sentra. The prices are based on a married male driver, comp and collision included, and no policy discounts are applied.

The data above shows that a 40-year-old driver could pocket $314 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $470 by switching to a $1,000 deductible. Young drivers, like the Age 20 category, can save as much as $1,064 every year by using higher deductibles when buying full coverage. When choosing a higher deductible, it will be required to have additional funds in a savings account to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Are you paying too much for car insurance?

Mesa, AZ insurance rates are influenced by many factors which can significantly increase or decrease the price you have to pay for coverage. Turning one year older, increasing deductibles, or getting a few speeding tickets can cause premium changes that can cause some rates to be cheaper than competitors. Additionally, auto insurance companies change their prices as often as every quarter to reflect underwriting profits or losses. Heavy losses may cause more expensive prices, while profitable underwriting may cause lower-priced Sentra insurance rates.

The chart below shows which company has the cheapest car insurance in Mesa, AZ for a 40-year-old male driver with no accidents, a clean driving record, and good credit. If we estimate rates based on his current risk factors, The Hartford has the most affordable car insurance rates in Mesa at $1,078 each year. This is $350 less than the average premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA are the remaining best Mesa, AZ auto insurance companies.

Let’s now give the driver from the first rate comparison an accident claim, slightly worse credit, and a speeding citation. Because every insurance company has a different formula for setting rates, comparing insurance quotes most likely will result in a significantly different list of affordable Mesa car insurance companies as shown below.

GEICO now has the cheapest rate in Mesa with Ameriprise Group, CSAA, Allied, and Safeco now rounding out the top five. This example demonstrates why drivers need to take the time to shop around when trying to find the most budget-friendly auto insurance rates for a Nissan Sentra. Prices are made up of many different factors and change dramatically, so the most affordable company six months ago may now be wasting a lot of money.