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 coverage is estimated at $416. Buying just liability costs approximately $474 a year, with insurance for high-risk drivers costing $2,938 or more. Teen 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:

Includes $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for different Versa trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than larger metro areas.

The price range example below illustrates the effect of geographic area on auto insurance rates.

The examples above show why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, rather than using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $769
• Choosing higher $1,000 deductibles can save about $176 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,346
• Choosing more expensive low deductibles for comp and collision coverage will cost an extra $342 each year
• Drivers with multiple violations and an at-fault accident could pay at least $2,938 or more
• Policy cost for full coverage for a teenage driver with full coverage can be $5,136 each year

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.

An older driver with a clean driving record and high deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay as much as $5,100 a year. View Rates by Age

Your home state plays a big part in determining prices for Nissan Versa insurance rates. A good driver about age 40 could pay as low as $890 a year in states like Idaho, Maine, and Iowa, or as much as $1,920 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles can save as much as $520 a year, while increasing your policy's liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $375 more per 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 extra every year, depending on your age. High-risk driver insurance ranges around 43% to 132% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to know your exact price is to compare rates and see how they stack up. Each auto insurer uses a different rate calculation, so the 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 Cheapest Nissan Versa Insurance

Finding cheaper rates on auto insurance takes avoiding accidents and claims, maintaining good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Take the time to compare rates every couple of years by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The points below are a recap of the material that was covered in the above illustrations.

• Consumers who may need increased liability limits will pay about $460 each year to raise limits from a 30/60 limit to 250/500 limits
• Drivers under the age of 20 pay higher rates, costing up to $428 each month for full coverage
• Drivers that have major violations or accidents may be required to pay an average of $1,590 more every year to insure a Nissan Versa
• Increasing comprehensive and collision deductibles can save around $525 each year

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.