Who Has the Cheapest Lubbock Car Insurance for a Nissan Sentra?

See How Much You Can Save

Nissan Sentra insurance rates
Nissan Sentra insurance rates image courtesy of QuoteInspector.com

Finding competitive car insurance for a Nissan Sentra depends on many factors such as your birth date, your credit status, and citations or violations on your driving record. Drivers in Texas will pay around $1,343 per year for Sentra insurance, but that cost is using a 50-year-old single male driver with full comprehensive and collision coverage and $100 deductibles.

Odds are that you're not a 50-year-old male, married instead of single, or maybe you want more liability coverage than is required by law in Texas. Everone's needs are different, and this illustrates why the best method for finding the cheapest insurance price for your Nissan is to compare as many rates as possible.

View Nissan Sentra Insurance Rates

Your vehicle's trim level tends to have a direct effect on the coverage cost, so the rate you pay to insure a Sentra 2 model will be $254 less than the insurance cost for the more costly Sentra SE-R SPEC V version, as shown in the chart below.

Nissan Sentra Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $246 $610 $430 $26 $128 $1,440 $120
Sentra 2.0 S $246 $718 $430 $26 $128 $1,548 $129
Sentra 2.0 SR $246 $718 $430 $26 $128 $1,548 $129
Sentra 2.0 SL $282 $718 $430 $26 $128 $1,584 $132
Sentra SE-R $282 $718 $430 $26 $128 $1,584 $132
Sentra SE-R SPEC V $282 $828 $430 $26 $128 $1,694 $141
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Rates do not factor in specific garaging location which can decrease or increase auto insurance rates substantially.

Texas insurance companies

Ending up with a high-quality insurance provider can be challenging considering how many different companies insure vehicles in Texas. The company rank data below can help you choose which auto insurers to look at when shopping insurance around for a Nissan Sentra.

The rankings below include companies with a national presence, so companies that focus mainly on Texas business are not taken into consideration for the list. To compare prices from these companies and more, follow this link.

Top 10 Major Car Insurance Companies in Lubbock Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance

Illustration showing the impact of accidents and violations

The best way to maintain low insurance rates in Texas for a Sentra is to drive attentively and maintain a clean driving record. The information below illustrates how violations and at-fault collisions can impact premium costs for each age group. The costs are based on a married female driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.

The data in the chart shows the average cost of an auto insurance policy in Texas per year with no violations or accidents is $2,139. Add in one speeding ticket and the average cost swells to $2,489, an increase of $350 each year. Next add one accident along with the one speeding ticket and the annual cost of insurance for a Nissan Sentra increases to an average of $3,499. That's an increase of $1,360, or $113 per month, just for being a careless driver!

Why are you paying too much to insure your Sentra?

Lubbock, TX insurance rates are calculated based on many things which can substantially change your annual premium. Improving your credit score, buying a new vehicle, or getting caught speeding may generate price changes that can make some companies more affordable than before.

Not only that, but companies change rates multiple times each year to adjust for gains or losses. Larger than normal claims may result in rate hikes, while profitable underwriting can result in lower-priced Sentra insurance rates.

The bar chart below compares the cheapest car insurance in Lubbock, TX for a 40-year-old female driver with no prior accidents, a clean driving record, and a decent credit rating. If we look at prices based on her current rating profile, Travelers offers the cheapest car insurance rates in Lubbock at $1,154 each year. This is $750 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also on the list of the cheapest Lubbock, TX auto insurance companies.

The chart below compares rates after we give the driver from the above example an at-fault accident, a little lower credit rating, and a few blemishes on her driving record. Since each insurance company uses their own method to determine rates, comparing prices most likely will result in a new list of cheap Lubbock auto insurance companies as shown below.

State Farm now has the best price in Lubbock, TX with Mercury, Nationwide, Safe Auto, and USAA completing the list. This demonstrates why consumers need to perform a complete rate comparison when trying to get the best insurance quotes for a Nissan Sentra.

Insurance rates are determined by many factors and can decrease or increase without notice, so the best company the last time you shopped around may now not even be in the top five.