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 auto insurance rates for a Nissan Versa are $1,346 annually including full coverage. Comprehensive costs on average $248 each year, collision insurance costs $524, and liability coverage is $416. Liability-only insurance costs around $474 a year, and high-risk driver insurance costs around $2,938. Teens cost the most to insure at up to $5,136 a year.

Average premium for full coverage: $1,346

Policy rates by type of insurance:

Includes $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and Versa models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how rural and urban location affects car insurance rates.

The examples above highlight why all drivers should compare rates quotes based on a specific location and their own personal driving habits, rather than using averaged prices.

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

Rates by State, City, and Model

The chart below breaks down average Nissan Versa insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $769
• Raising to $1,000 deductibles will save around $176 every year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,346
• Selecting low deductibles will cost $1,688
• Unlucky drivers with serious driving violations could pay upwards of $2,938
• Policy cost with full coverage for a teenage driver may cost $5,136

View Chart as Image

Auto insurance rates for a Nissan Versa also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.

More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay upwards of $5,100 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,600 to $2,200 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $520 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $375 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Nissan Versa insurance rates. A middle-age driver might find rates as low as $1,030 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,920 on average in Michigan, New York, and Louisiana.

View Chart as Image

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 Buy the Cheapest Nissan Versa Insurance

Finding cheaper rates on auto insurance consists of avoiding accidents and claims, having above-average credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Set aside time to shop around at least every other year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The points below are a recap of the car insurance concepts raised in the charts and tables above.

• Drivers that have major violations or accidents pay on average $1,590 more each year to insure a Nissan Versa
• You may be able to save as much as $160 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $525 each year
• Consumers who require increased liability limits will pay approximately $460 per year to raise from a 30/60 limit to higher 250/500 limits

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.