Who Has Affordable Car Insurance Rates for a Nissan Sentra in Madison?

See How Much You Can Save

Finding affordable auto insurance for a Nissan Sentra relies on many rating factors such as whether you are a homeower, your residence address, and the deductible amount you use. Drivers in Wisconsin pay around $604 annually for Sentra insurance, but that cost is a projection based on a 40-year-old married male driver with full comprehensive and collision coverage and $500 deductibles.

There's a high likelihood you aren't exactly 40 years old or even a male, possibly single instead of married, or maybe you have a teenager that needs to be on your policy. Having just a slight change in rating variables may result in significant differences in the coverage rate.

Every driver's needs are different, and that is why the best method for finding cheap insurance rates for your Nissan is to compare as many rates as you can.

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Your vehicle's trim level tends to have a direct effect on the cost of coverage, so the price you pay to insure a Sentra 2 will be $98 less expensive the insurance cost for the higher-end Sentra SE-R SPEC V model, as shown in the table below.

Nissan Sentra Insurance Rates in Madison, WI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $114 $222 $236 $14 $70 $656 $55
Sentra 2.0 S $114 $262 $236 $14 $70 $696 $58
Sentra 2.0 SR $114 $262 $236 $14 $70 $696 $58
Sentra 2.0 SL $132 $262 $236 $14 $70 $714 $60
Sentra SE-R $132 $262 $236 $14 $70 $714 $60
Sentra SE-R SPEC V $132 $302 $236 $14 $70 $754 $63
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Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Estimates do not factor in specific garaging location which can influence coverage prices noticeably.

Deciding which insurers offer the cheapest car insurance rates for a Nissan Sentra requires more work in order to find the lowest price. Each insurer uses a little different formula for filing rates in each state, so we need to take a look at the overall cheapest car insurance companies in Madison, WI.

Best Cheap Insurance Rates for Your Sentra

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Rankings for the cheapest Wisconsin auto insurance companies
Rank Company Cost Per Year
1 USAA $604
2 Partners Mutual $626
3 Erie $717
4 Rockford Mutual $732
5 Nationwide $752
6 Rural Mutual Insurance $756
7 Pekin Insurance $775
8 Western National $777
9 Integrity Mutual $786
10 Travelers $804
11 West Bend Mutual $917
12 State Farm $923
13 General Casualty $936
14 Auto Club Group $948
15 The Hartford $950
16 Auto-Owners $1,126
17 Farmers $1,130
18 American Family $1,137
19 Progressive $1,164
20 GEICO $1,190
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USAA generally has some of the cheapest car insurance rates in Madison at around $604 a year. Partners Mutual, Erie, Rockford Mutual, and Nationwide would also make the list of some of the cheaper Madison, WI car insurance companies.

As shown in the rates above, if you currently have coverage with Rockford Mutual and switched to Partners Mutual, you may see savings of in the neighborhood of $106. Customers with Nationwide may save as much as $126 a year, and Rural Mutual Insurance customers might cut rates by $130 a year.

To see if your current coverage is too expensive, click here to begin a quote or click through to the companies below.

Remember that these rates are averaged across all drivers and vehicles and and are not calculated with an exact zip code location for a Nissan Sentra. So the car insurance company that can offer you the lowest price may not even be in the list above. That illustrates why you need to get rate quotes from many companies using your own driver data and vehicle information.

Get discounts on Madison auto insurance rates

Discounts on car insurance for a Nissan SentraInsurance providers that sell policies for a Nissan Sentra may have discounts that can lower rates by as much as 35% if you meet specific eligibility requirements. Popular car insurance companies and a summarized list of policyholder discounts can be read below.

The illustration below illustrates the difference between premium costs with and without discounts applied to the premium. The data is based on a male driver, no accidents or driving violations, Wisconsin state minimum liability limits, full coverage, and $250 deductibles.

The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with passive restraint, multiple vehicle, anti-theft, defensive driving course, marriage, and homeowner discounts applied. When these discounts are applied to the policy premium, the average savings per year on car insurance for a Nissan Sentra is 28% or $424.

Driving violations and accidents

The easiest method to maintain cheap car insurance prices in Madison for a Sentra is to drive safely and avoid at-fault accidents and violations. The example below demonstrates how speeding tickets and accidents drive up yearly insurance costs for different age groups. The premium estimates are based on a married male driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.

In the chart above, the average cost of an auto insurance policy per year with a clean driving record and no accidents is $1,313. Get two speeding tickets and the average cost hikes up to $1,815, an increase of $502 each year. Then add two accidents along with the two speeding tickets and the 12-month cost of car insurance for a Nissan Sentra jumps again to an average of $3,618. That's an increase of $2,304, or $192 per month, just for not driving safely!

Why you should shop around for Sentra insurance

Wisconsin car insurance rates are influenced by many factors which can substantially decrease or increase the price you pay for coverage. Getting older, becoming a homeowner, or getting a DUI may generate price changes that may make certain companies more affordable than the competition.

Not only may your situation change, but car insurance companies file new Wisconsin car insurance rates at least once a year to adjust for gains or losses. Higher than normal claim frequency or severity may result in additional premium costs, while profitable underwriting can cause lower-priced Sentra insurance rates.

As an example, the bar chart below shows the cheapest car insurance in Madison, WI for a 30-year-old male driver with no prior claims, no tickets, and excellent credit. Based on his personal risk profile, USAA quotes the most affordable car insurance rates in Madison at $692 each year. This is $469 less than the average premium paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Nationwide, and Pekin Insurance are also included in the best Madison, WI auto insurance companies.

Now we will pretend the driver in the first chart some claims, less-than-perfect credit, and a speeding ticket. Because each insurer has a unique approach to set premium rates, analyzing rates may now result in a different ranking of affordable Madison car insurance companies as shown below.

Rural Mutual Insurance now has the lowest price on auto insurance in Madison, WI with Integrity Mutual, Western National, Travelers, and Partners Mutual also being competitive. This example illustrates why Madison drivers need to shop around to get the most affordable insurance rates for a Nissan Sentra. Insurance rates are impacted by many factors and can change substantially, so the cheapest company the last time you shopped around may now be wasting a lot of money.

The Madison car insurance agencies listed below can help you determine which coverages are best, since some drivers aren't sure which coverage they need and prefer to have the advice of a professional agent when comparing insurance rates for a Sentra. It's not always simple to find the cheapest rate yourself, and professional agents can bring comfort knowing your policy gives you sufficient protection if you have a claim. To locate a Madison auto insurance agent close to you, click the link at the bottom or click here to compare price quotes now.

American Family Insurance - Brad Bodden
3821 Nakoma Rd - Madison, WI 53711 - (608) 231-2453

Abacus-Bertz Financial
6417 Odana Rd Suite 13 - Madison, WI 53719 - (608) 238-5800

GEICO Insurance Agent
2001 W Beltline Hwy Suite 100 - Madison, WI 53713 - (608) 242-9322

Kevin Lease - State Farm Insurance Agent
7941 Tree Ln #205 - Madison, WI 53717 - (608) 824-9950

Prairie Land Insurance Agency
2045 Atwood Ave #113A - Madison, WI 53704 - (608) 251-3009

View more Madison, WI insurance agencies

How to find budget-friendly car insurance for a Nissan Sentra

Here are some of the better thrifty suggestions that can help Wisconsin drivers quote cheap coverage.

The last item on the list is extraordinarily important, as was pointed out in the prior information. Car insurance rates in Madison adjust frequently, so don't be hesitant to buy from a different company if a cheaper price is available.

Many drivers tend to have loyalty to a certain company, but is isn't recommended if your bullheadedness ends up costing you several hundred dollars every year. Spend a few minutes and shop around to find cheaper car insurance for a Nissan Sentra.