Who Has the Cheapest Auto Insurance Quotes for a Nissan Sentra in Cleveland?

Buying the best cheap car insurance for a Nissan Sentra in Ohio depends on lots of different factors such as annual vehicle mileage, your occupation, and violations on your driving record. Ohio drivers will pay on average $882 per year to insure their Sentra, but that is an estimate using a 40-year-old single male driver with full physical damage coverage and $100 deductibles.

If we were betting, you’re not a 40-year-old male, maybe you are married instead of single, or maybe you’re a renter instead of a homeowner. Not everyone needs the same coverages, so the only real way to find cheap insurance prices for your Nissan is to compare as many rates as possible.

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The trim level of your Nissan will most likely have an effect on the insurance rate, so the price you pay to insure a Sentra 2 will be $170 lower than the insurance cost for the more expensive Sentra SE-R SPEC V model, as shown in the prices below.

Nissan Sentra Insurance Rates in Cleveland, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $166 $406 $274 $16 $82 $944 $79
Sentra 2.0 S $166 $478 $274 $16 $82 $1,016 $85
Sentra 2.0 SR $166 $478 $274 $16 $82 $1,016 $85
Sentra 2.0 SL $192 $478 $274 $16 $82 $1,042 $87
Sentra SE-R $192 $478 $274 $16 $82 $1,042 $87
Sentra SE-R SPEC V $192 $550 $274 $16 $82 $1,114 $93
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Information does not factor in vehicle location which can modify price quotes significantly.

Finding the best auto insurance company can be challenging considering how many companies provide coverage in Ohio. The ranking data shown next may help you decide which insurers you want to consider when trying find the best insurance for a Nissan Sentra.

The rankings below include the largest companies in the United States, so smaller companies that only insure vehicles in Ohio are not included in these rankings. If you’d like to compare prices and find the cheapest rates for a Nissan Sentra, simply click here.

Top 10 Large Auto Insurance Providers Overall in Cleveland

  1. USAA
  2. 21st Century
  3. GEICO
  4. Nationwide
  5. AAA Insurance
  6. Liberty Mutual
  7. Safeco Insurance
  8. State Farm
  9. Travelers
  10. American Family

Top 10 Large Auto Insurance Providers in Cleveland Ranked by Claims Service

  1. Progressive
  2. Travelers
  3. Liberty Mutual
  4. Nationwide
  5. USAA
  6. GEICO
  7. AAA Insurance
  8. Safeco Insurance
  9. Esurance
  10. The General

Do you need full coverage?

Finding cheaper car insurance is the goal of most drivers, and one way to pay less for insurance for a Nissan Sentra is to not buy full coverage. The illustration below shows the difference between premium costs with and without full coverage. The prices are based on no violations or accidents, $100 deductibles, drivers are single, and no other discounts are factored in.

If averaged out across all ages, physical damage coverage on your policy costs an extra $1,638 per year over having just liability coverage. At some point, almost every driver questions if it’s a good idea to buy full coverage. There isn’t a written rule that works best for making the decision to drop full coverage, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.

Why you should be shopping around

Cleveland car insurance rates are based on many factors which can substantially decrease or increase the price you have to pay for coverage. Simply having a birthday, buying a different home, or getting a driving violation can trigger price changes that may make certain companies cheaper in comparison to the competition.

Not only may your situation change, but car insurance companies change premium rates as often as every quarter to adjust for heavy claims or excess profits. Significantly higher claims can cause higher rates, while profitable underwriting can cause lower-priced Sentra insurance rates.

For example, the graph below shows which companies have the cheapest car insurance in Cleveland, OH for a 30-year-old male driver with a clean driving record, no accidents, and a good credit history. If we compare prices based on his personal profile, Utica National quotes the lowest car insurance rates in Cleveland at $853 annually. This is $187 less than the average policy premium paid by Ohio drivers of $1,040. Allied, Erie, Travelers, and Frankenmuth are the remaining most affordable Cleveland, OH auto insurance companies.

The example below compares rates after we give the driver from the first set of rates a chargeable accident, a lower credit rating, and a speeding citation. Since each insurance company has a unique approach for setting rates, analyzing rate quotes most likely will result in a different ranking of affordable companies as shown below.

Merchants Insurance Group now has the cheapest price in Cleveland with Cincinnati Insurance, Motorists Mutual, General Casualty, and Grange Mutual also being competitive. This shows why it is critical to shop around with many companies to find the lowest auto insurance rates for a Nissan Sentra. Prices consist of many different factors and can decrease or increase without notice, so the cheapest option six months ago may now be an over-priced policy.