Nissan Sentra Insurance in Tennessee
Rates from $35 – $59/mo minimum coverage, $89 – $148/mo full coverage. Compare top TN carriers below.
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Updated June 2026 · Source: Tennessee DOI + IQ rate model
Average monthly premium — 2024 Nissan Sentra, Tennessee
Ranges shown reflect typical driver profiles (clean record, 35-55, average credit, 12k mi/yr). Your actual rate varies by age, credit, prior insurance, and coverage limits. Get a real quote in 2 minutes.
Top carriers for Nissan Sentra drivers in Tennessee
"From" rates are directional based on carrier price-leader behavior, not real quotes. Real rate depends on your driver profile.
Why Nissan Sentra insurance costs what it does in Tennessee
Lowers liability + medical-payments premiums by ~2–5% vs an equivalent 3-star vehicle.
No theft-rank surcharge on comprehensive premium.
Parts are inexpensive and widely available — keeps collision claims cheap.
Tennessee requires 25/50/15 liability minimums. ~24% uninsured drivers (top 3 nationally) push UM premiums up materially. Nashville + Memphis premiums are 15-25% above the state average. Competitive carrier market offsets some of the uninsured-rate pressure.
Frequently asked questions
01How much is Nissan Sentra insurance in Tennessee?
Tennessee drivers of a 2024 Nissan Sentra pay about $89 – $148 per month for full coverage, or roughly $35 – $59 per month for minimum coverage. Your actual rate depends on age, credit, driving history, mileage, and coverage limits — a real quote from a licensed agent typically takes under 2 minutes.
02Is full coverage required on a financed Sentra?
Yes. If your Sentra has a loan or lease, the lender will require both comprehensive and collision (together "full coverage") for the duration of the loan. Tennessee law itself only requires the state liability minimums (25/50/15), but the lender's contract overrides that.
03What's the cheapest carrier for a Sentra in Tennessee?
Cheapest varies by driver profile, but in Tennessee the major carriers most often quoting the lowest premiums for a Sentra are GEICO, Progressive, and State Farm. Regional carriers (Tennessee Farm Bureau and Erie) sometimes beat the majors for clean-record drivers. The only way to know is to compare 3-4 quotes side by side.
04Does the Sentra's 5-star safety rating lower my premium?
Yes, a small but real amount. The Sentra's 5-star NHTSA rating means lower expected injury claims in an at-fault collision, which insurers price into both liability and medical-payments premiums. The discount is typically 2-5% vs an equivalent 3-star vehicle.
05Does Tennessee require SR-22 after a DUI for a Sentra?
After a DUI, Tennessee requires an SR-22 filing from your insurer certifying you carry the state minimum coverage. The filing itself is usually $25, but the underlying premium for a Sentra typically jumps 60-150% for 3-5 years after the DUI. Some carriers won't write new SR-22s — Progressive, Travelers, and The General are the most common SR-22 writers.