Nissan Versa Insurance Rates

If you are struggling to find the best Nissan Versa Note insurance rates, this article is for you. 

Drivers pay an average of $1,424 per year for Nissan Versa Note car insurance, and that can fluctuate based on a variety of factors, such as the age of the vehicle and whether you chose comprehensive coverage or liability insurance. For example, insurance for a Nissan Versa Note costs less if you drive an older model of the vehicle.

In order to adequately prepare yourself to shop for a policy like a pro, be sure to read through this detailed article. When you’re ready, be sure to enter your five-digit ZIP code to compare Nissan Versa car insurance rates from multiple companies.

The average insurance rates for a Nissan Versa are $1,346 a year for full coverage. Comprehensive insurance costs around $248, collision costs $524, and liability is $416. Liability-only coverage costs around $474 a year, with high-risk coverage costing $2,938 or more. 16-year-old drivers cost the most to insure at $5,136 a year or more.

Average premium for full coverage: $1,346

Policy rates for type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for all Versa models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than congested cities.

The example below illustrates how rural and urban location affects auto insurance rates.

The examples above show why everyone should compare rates quotes for a specific zip code and risk profile, instead of using rate averages.

Use the form below to get customized rates for your location.

More Rate Information

The chart below shows estimated Nissan Versa insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $769
• Raising to $1,000 deductibles will save about $176 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,346
• Buying pricier low deductibles will cost an extra $342 every year
• At-risk drivers with multiple tickets or accidents could pay at least $2,938 or more
• Policy cost for full coverage for a teen driver for full coverage can be $5,136

View Chart as Image

Insurance rates for a Nissan Versa also range considerably based on your risk profile, the trim level of your Versa, and deductibles and policy limits.

A more mature driver with no violations or accidents and high deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay as much as $5,100 a year. View Rates by Age

Your home state also has a big influence on Nissan Versa insurance prices. A middle-age driver might find rates as low as $890 a year in states like Idaho, Maine, and Iowa, or at least $1,920 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $520 every year, whereas buying more liability protection will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $375 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,600 to $2,200 additional every year, depending on your age. Nissan Versa insurance for high-risk drivers is expensive and can cost as much as 43% to 132% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the only way to know your exact price is to regularly compare rates and see which company has the best rate. Every auto insurance company utilizes a different rate formula, and rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find the Best Nissan Versa Insurance

Finding cheaper rates on car insurance consists of having a decent driving record, having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to shop around once a year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following items are a brief recap of the data that was raised in the charts and tables above.

• Drivers can save up to $160 per year simply by quoting online well ahead of the renewal date
• Policyholders who may need additional liability coverage will pay around $460 each year to raise from a 30/60 limit to 250/500 limits
• 16 to 18-year-old drivers are charged the highest rates, costing up to $428 each month including comprehensive and collision insurance
• Higher risk drivers who tend to receive serious violations may be required to pay an average of $1,590 more every year than a driver with a clean driving record

As you can see from some of the information we’ve gone over to this point, there are several individual factors that influence Nissan Versa Note insurance cost. Take advantage of our free quote tool below to compare affordable Nissan Versa Note car insurance quotes from top companies right now.

What are the safety ratings of the Nissan Versa Note?

The safety ratings of the Nissan Versa Note are important to understand because your insurance provider is going to be interested in knowing about the durability of your car.

Take a look at the following crash test ratings of the Nissan Versa Note with results reported from the Insurance Institute for Highway Safety.

• Small overlap front (driver-side): N/R
• Small overlap front (passenger-side): N/R
• Moderate overlap front: Good
• Side: N/R
• Roof strength: N/R
• Head restraints and seats: N/R

For a brief frame of reference, “Good” is the highest rating possible. The fact that the Nissan Versa Note received this score in the only part of the car that was tested is positive news.

Nissan Versa Note Compared Against Other Vehicles in the Same Class

If you are curious to know how the Nissan Versa Note stacks up to other similar models, take a look at the following minicars.

Each page provides information on the insurance rates for each comparable model so you can cross-reference them with the Nissan Versa Note.

• Chevrolet Spark
• Hyundai Accent
• Mitsubishi Mirage

Now that we have gone into great detail about how Nissan Versa Note insurance rates are calculated, you can feel confident comparison shopping for the best rates. Ready to buy Nissan Versa Note car insurance? Start comparing Nissan Versa Note quotes from multiple companies by taking advantage of our free online tool.