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 for full coverage insurance. Comprehensive insurance costs an estimated $248, collision costs $524, and liability insurance costs $416. A liability-only policy costs as little as $474 a year, with high-risk insurance 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 broken down by type of insurance:

Prices include $500 physical damage deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and for different Versa trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of insurance. More rural locations are shown to have fewer physical damage claims than congested cities.

The price range example below illustrates how geographic area affects insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, rather than relying on rate averages.

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

Rates by State, City, and Model

The chart below illustrates estimated Nissan Versa insurance rates for other coverage scenarios.

• The best full coverage rate is $769
• Drivers who choose higher $1,000 deductibles will pay approximately $176 each year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,346
• Buying more expensive low deductibles for comprehensive and collision insurance costs an additional $342 a year
• High risk drivers with multiple tickets or accidents could pay up to $2,938 or more
• Policy cost with full coverage for a teen driver with full coverage can cost as much as $5,136 a year

View Chart as Image

Car insurance rates for a Nissan Versa also range considerably based on the model year and trim level, your risk profile, and liability limits and deductibles.

An older driver with no driving violations and high physical damage deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged at least $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 probably paying $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $520 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $375 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Nissan Versa insurance rates. A 40-year-old driver could pay as low as $880 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,820 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates from as many companies as possible. Every company utilizes a different rate formula, so rate quotes will be varied between companies.

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 Right Nissan Versa Insurance

Finding cheaper rates on Nissan Versa insurance not only requires being a safe and courteous driver, but also having a good credit score, being claim-free, and not having any coverage lapses. Invest the time to compare rates every time your policy renews by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below is a quick rundown of the information presented in the illustrations above.

• It is possible to save approximately $160 per year simply by shopping early and online
• Teenage drivers have the highest car insurance rates, possibly costing $428 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles could save up to $525 each year
• High-risk drivers with reckless driving or DUI convictions may pay on average $1,590 more annually for auto insurance
• Drivers who want higher levels of liability will pay around $460 annually to go 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.