Buying cheaper auto insurance for a Nissan Sentra in South Carolina hinges on a complex formula that considers things such as your financial responsibility, your address, and your motor vehicle report. South Carolina drivers pay approximately $811 per year to insure their Sentra, but that is an estimation based upon a 30-year-old married male driver with full physical damage coverage and $1,000 deductibles.

When projecting a rate like this, the problem is that you are not 30 years old and maybe not even male, possibly single instead of married, and maybe you want higher deductibles. Auto insurance requires individual risk assessment, so the best way to find cheap car insurance rates for your Nissan is to just take the time to compare rates yourself. Quotes are free and you will be able to compare rates from the best companies that offer coverage in South Carolina.

Find Cheaper Nissan Sentra Insurance

Your Nissan's trim level tends to impact price, so the rate you will pay to insure a Sentra 2 will be $120 less than the insurance cost for the fancier Sentra SE-R SPEC V model, as demonstrated by the prices below.

Nissan Sentra Insurance Rates in South Carolina
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $142 $280 $342 $20 $102 $886 $74
Sentra 2.0 S $142 $330 $342 $20 $102 $936 $78
Sentra 2.0 SR $142 $330 $342 $20 $102 $936 $78
Sentra 2.0 SL $162 $330 $342 $20 $102 $956 $80
Sentra SE-R $162 $330 $342 $20 $102 $956 $80
Sentra SE-R SPEC V $162 $380 $342 $20 $102 $1,006 $84
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Carolina minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Price estimates do not factor in South Carolina location which can alter rates considerably.

How to find a good South Carolina insurance company

Buying coverage from a highly-rated car insurance provider can be challenging considering how many choices there are in South Carolina. The company ratings in the lists below may help you select which companies to look at shopping prices with. The rankings below only include companies with a nationwide focus, so smaller companies that only insure vehicles in South Carolina are not factored into the list.

Top 10 Major Auto Insurers Overall in South Carolina

  1. Travelers
  2. USAA
  3. AAA Insurance
  4. Nationwide
  5. Allstate
  6. State Farm
  7. The Hartford
  8. Safeco Insurance
  9. Progressive
  10. American Family

Top 10 Major Auto Insurers in South Carolina Ranked by Customer Service

  1. USAA
  2. Travelers
  3. AAA Insurance
  4. Nationwide
  5. Safeco Insurance
  6. Progressive
  7. State Farm
  8. The Hartford
  9. The General
  10. Esurance

Top Companies for Nissan Sentra Insurance in South Carolina

How violations and accidents impact rates

The easiest way to receive cheap insurance rates for a Sentra is to be a careful driver and not receive tickets or have accidents. The illustration below demonstrates how traffic citations and at-fault fender-benders drive up car insurance rates for different age groups. The price estimates are based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.

The data charted above shows the average cost of an auto insurance policy per year with no accidents or violations is $2,031. Add in one speeding ticket and the average cost increases to $2,303, an increase of $272 each year. Now add in one accident along with the one speeding ticket and the yearly cost of insurance for a Nissan Sentra in South Carolina jumps again to an average of $3,081. That's an increase of $1,050, or $88 per month, just for not driving attentively!

The chart below illustrates how choosing a deductible can influence premium costs when searching for cheap insurance for a Nissan Sentra in South Carolina. Data assumes a married female driver, comp and collision included, and no discounts are factored in.

As shown above, a 30-year-old driver could reduce rates by $364 a year by switching from a $100 deductible to a $500 deductible, or save $550 by switching to a $1,000 deductible. Even younger insureds, like the Age 20 category, could save up to $780 or more just by choosing higher deductibles.

When choosing a higher deductible, it will be required to have plenty of money set aside to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

How to find cheaper auto insurance for a Nissan Sentra in South Carolina

Here are a few thrifty suggestions that can help South Carolina drivers get cheap coverage.

The last item on the list is extraordinarily critical, as we emphasized in this piece. Coverage rates can change considerably in a year, so don't be hesitant to switch companies if you can save money. Loyalty to a specific company is fine, but we do not recommend it if it's costing you a lot of money. In just a couple of minutes you could compare rates to find cheaper auto insurance for a Nissan Sentra.