Who Has the Cheapest Car Insurance Rates for a Nissan Sentra in Chicago?

Finding cheaper coverage for a Nissan Sentra in Illinois depends on a complicated rating formula that uses factors such as how far you commute, if you are a frequent claim filer, and driving citations. Drivers pay approximately $601 a year for Sentra insurance, but that is an approximation using a 40-year-old married male driver with full physical damage coverage and $1,000 deductibles.

It’s more than likely you’re not a 40-year-old male, single instead of married, or maybe you have a teenager that needs to be on your policy. Even a minor difference in rating variables or coverage information can result in a big discrepancy in rates.

Having different needs demonstrates why the only real way to find the cheapest rates for your Nissan is to compare as many rates as possible. It only takes a few minutes and you will be able to see rates from the best companies in Illinois.

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The trim level of your Sentra will be a contributing factor to the cost of insurance, so the price you pay to insure a Sentra 2 model will cost $86 less than the price to insure the more expensive Sentra SE-R SPEC V model, as shown in the chart below.

Nissan Sentra Insurance Rates in Chicago, IL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $98 $196 $268 $16 $80 $658 $55
Sentra 2.0 S $98 $232 $268 $16 $80 $694 $58
Sentra 2.0 SR $98 $232 $268 $16 $80 $694 $58
Sentra 2.0 SL $114 $232 $268 $16 $80 $710 $59
Sentra SE-R $114 $232 $268 $16 $80 $710 $59
Sentra SE-R SPEC V $114 $266 $268 $16 $80 $744 $62
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Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Illinois minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Rate quotes do not factor in specific garaging location which can lower or raise coverage prices significantly.

Figuring out which company has the cheapest insurance rates for a Nissan Sentra may require a tad more effort in order to find a policy that fits your budget. Every auto insurer uses a different method to set premium rates, so we will examine the insurance companies with the overall best prices in Chicago, IL.

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What’s the cheapest car insurance in Illinois?
Rank Company Cost Per Year
1 The Hartford $769
2 Rockford Mutual $822
3 Titan $886
4 Erie $887
5 Cincinnati Insurance $924
6 USAA $950
7 Travelers $952
8 Utica National $975
9 SECURA $1,005
10 State Farm $1,012
11 Auto-Owners $1,053
12 Safeco $1,063
13 GEICO $1,074
14 Amica $1,109
15 Farmers $1,181
16 Esurance $1,185
17 MetLife $1,207
18 California Casualty $1,209
19 Progressive $1,243
20 State Auto $1,260
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The Hartford generally has some of the lowest car insurance rates in Chicago at around $769 each year. Rockford Mutual, Titan, Erie, and Cincinnati Insurance also are some of the cheapest Chicago, IL insurance companies.

As illustrated above, if you have coverage with Erie and switched to The Hartford, you could earn an annual premium reduction of in the vicinity of $118. Policyholders with Cincinnati Insurance might save as much as $155 a year, and USAA policyholders might see rate reductions of $181 a year.

If you want to see how much you could save, click here to start your custom quote or visit several of the following companies.

It’s important to note that these prices are averages across all ages of drivers and types of vehicles and do not take into consideration a vehicle location for a Nissan Sentra. So the company that fits your age and vehicle best may not even be in the list above. That emphasizes why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.

Rate increases following a ticket or accident

The recommended way to get the most affordable insurance premiums in Chicago for a Sentra is to drive carefully and avoid accidents and traffic citations. The chart below shows how violations and at-fault accidents raise premium costs for each different age group. The data assumes a married female driver, comp and collision included, $500 deductibles, and no other discounts are factored in.

The chart shows that the average cost of auto insurance in Illinois per year with no accidents and a clean driving record is $1,170. Add in two speeding tickets and the average cost rises to $1,661, an increase of $491 each year. Now include one accident along with the two speeding tickets and the yearly cost of insurance for a Nissan Sentra goes up to an average of $2,170. That’s an increase of $1,001, or $83 per month, just for not being a responsible driver!

Why you are probably overpaying for Sentra insurance

Chicago, IL insurance rates are based on many factors which can substantially change the policy price. Simply getting older, increasing deductibles, or getting caught speeding can cause premium changes that can now make some companies cheaper in comparison to the competition.

Not only that, but car insurance companies file new rates as often as every three months to adjust for unexpected claims or profits. A period of higher than normal claims can result in higher prices, while long-term profits may produce lower-priced Sentra insurance rates.

To illustrate this example, the graph below compares the cheapest car insurance in Chicago, IL for a 45-year-old female driver with no prior accidents, a clean driving record, and good credit. When quoting prices based on her current rating profile, The Hartford might offer the best car insurance rates in Chicago at $1,248 per year. This is $101 less than the average policy premium paid by Illinois drivers of $1,349. Rockford Mutual, Titan, Erie, and Cincinnati Insurance are the remainder of the best Chicago, IL auto insurance companies.

The example below compares rates after we give the driver from above a claim or two, a lower credit rating, and a traffic ticket or two. Since each auto insurance company has their own formula to establish rates, comparing rates most likely will result in a different set of companies as shown below.

USAA now has the cheapest price in Chicago, IL with Travelers, SECURA, State Farm, and Auto-Owners completing the list. This example demonstrates why it is crucial to compare as many rates as possible when trying to get the best car insurance rates for a Nissan Sentra.

Auto insurance prices are determined by many things and can increase or decrease at any time, so the best company a year ago may now be quite expensive.

Ideas for finding more affordable auto insurance for a Nissan Sentra

Lowering your rates is not difficult, and here are some penny-pinching ideas that can help drivers buy cheaper car insurance.

The final tip is notably critical, as we hit on in this article. Auto insurance prices can change significantly in a year, so don’t be afraid to switch carriers if a more affordable rate is found. Many drivers have brand loyalty and that’s fine, but we do not recommend it if your bullheadedness ends up costing you a wad of cash every year. In less than five minutes you could shop around to find cheaper insurance for a Nissan Sentra in Chicago.

If you aren’t clear which coverage you need and would like to have the advice of a professional agent when trying to find lower insurance rates for a Sentra, the insurance agencies below are willing to answer your questions and help you decide which insurance coverage you need.

To locate a Chicago auto insurance agent in your neighborhood, click the button following the list.

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