How Much is Auto Insurance for a Nissan Sentra in Tulsa?

Buying the cheapest coverage for a Nissan Sentra in Oklahoma can be pretty simple, but it hinges on an enormous amount of rating factors such as how many years you have been driving, your credit status, and any past driving violations you may have had. Drivers in Oklahoma pay approximately $951 per year for Sentra insurance, but that cost is based on a 50-year-old married male driver with full physical damage coverage and $1,000 deductibles.

The issue with using an average estimated rate is the likelihood you may not be 50 years old (or even male), maybe you are single instead of married, or maybe you are just looking for cheap liability insurance. Different coverage needs are the reason why the only way to find affordable rates for your Nissan is to put in the effort to do a thorough rate comparison. To start saving now, get free quotes and you can get prices from some of the best companies around.

Find Cheaper Nissan Sentra Insurance

Vehicle trim level will likely have an effect on the cost of coverage, so the price you will be charged to insure a Sentra 2 model will be $134 less expensive the insurance cost for the more well-appointed Sentra SE-R SPEC V version, as shown in the table below.

Nissan Sentra Insurance Rates in Tulsa, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $146 $312 $430 $26 $128 $1,042 $87
Sentra 2.0 S $146 $368 $430 $26 $128 $1,098 $92
Sentra 2.0 SR $146 $368 $430 $26 $128 $1,098 $92
Sentra 2.0 SL $168 $368 $430 $26 $128 $1,120 $93
Sentra SE-R $168 $368 $430 $26 $128 $1,120 $93
Sentra SE-R SPEC V $168 $424 $430 $26 $128 $1,176 $98
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Rates do not factor in vehicle location which can revise auto insurance rates significantly.

What is the best car insurance company in Tulsa?

Ending up with a good quality auto insurance company can be challenging considering how many companies are available to choose from in Oklahoma. The company ratings displayed below may help you select which providers to look at when trying to find cheaper insurance for a Nissan Sentra.

These ratings only include companies who write in the majority of U.S. states, so companies that may only write in Oklahoma are not taken into consideration for this list. If you would like to check rates from the insurers below and more, click this link.

Top Car Insurance Companies for a Nissan Sentra in Tulsa, OK
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies

Impact of careless driving on Tulsa car insurance rates

One of the best ways to receive the cheapest car insurance prices in Oklahoma for a Sentra is to drive carefully and avoid accidents and traffic citations. The diagram below demonstrates how traffic citations and at-fault accidents can affect auto insurance costs for different insured age categories. The rates are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.

In the chart above, the average cost of auto insurance in Oklahoma per year with no accidents or violations is $3,305. Get written up for two speeding tickets and the average cost jumps to $4,472, an increase of $1,167 each year. Now throw in one accident along with the two speeding tickets and the yearly cost of car insurance for a Nissan Sentra goes up to an average of $5,680. That’s an increase of $2,376, or $198 per month, just for not being attentive to the road!

Comparison of full coverage and liability-only policies

Lowering the price of car insurance is probably important to most drivers, and a good way to buy cheap insurance for a Nissan Sentra is to not insure for full coverage. The information below shows the comparison of car insurance costs with liability coverage only compared to full coverage. The information is based on no violations or accidents, $500 deductibles, drivers are single, and no discounts are factored in.

On average, physical damage insurance costs $2,807 per year more than buying just liability insurance. That amount may make you wonder when is the right time to remove full coverage. There is no exact formula for eliminating comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of coverage is about 10% or more of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s say your vehicle’s claim settlement value is $9,500 and you have $1,000 physical damage deductibles. If your vehicle is totaled, you would only receive $8,500 after paying the physical damage deductible. If it’s costing in excess of $850 a year for your policy with full coverage, then you might consider buying liability only.

There are a few situations where eliminating full coverage is not in your best interest. If you haven’t satisfied your loan, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage.

If you like to have some advice when comparing insurance rates for a Nissan Sentra, the insurance agencies below can most likely help you determine which coverage meets your needs best.

To find an agent close to where you live, click the button at the bottom.

More Tulsa, OK insurance agents

How to find more affordable insurance for a Nissan Sentra

The list below details some thrifty suggestions that can help drivers buy more affordable car insurance.

The final tip is notably valuable, as was noted in this write-up. Auto insurance rates change constantly, so don’t be afraid to switch carriers if you can find a cheaper rate.

Staying with the same company for years is fine, but it isn’t a good idea if that dedication is costing hundreds of dollars a year. It only takes a couple minutes to shop around to find cheaper auto insurance for a Nissan Sentra in Tulsa.