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.

Estimated auto insurance rates for a Nissan Versa are $1,348 annually for full coverage. Comprehensive costs on average $256 a year, collision insurance costs $536, and liability costs $398. A liability-only policy costs as little as $460 a year, and high-risk insurance costs around $2,942. Teens pay the most at up to $5,118 a year.

Average premium for full coverage: $1,348

Premium estimates by type of coverage:

Full coverage includes $500 physical damage insurance deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and Versa trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on car insurance rates. Rural areas are statistically proven to have fewer accident claims than cities with more traffic congestion. The diagram below illustrates how location impacts car insurance rates.

These rate differences show why it is important to compare rates based on a specific location and their own personal driving habits, instead of using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $770
• Drivers who choose higher $1,000 deductibles will pay around $1,170 a year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,348
• Selecting low $100 deductibles for comprehensive and collision insurance will cost $1,702
• Higher-risk drivers with serious driving violations could pay upwards of $2,942
• An auto insurance policy with full coverage for a teen driver may cost $5,118 a year

View Chart as Image

Auto insurance prices for a Nissan Versa also have a wide range based on the model of your Versa, your driver profile, and policy deductibles and limits.

Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, 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 violations or you caused a few accidents, you could be paying at a minimum $1,600 to $2,200 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $540 every year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $358 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Nissan Versa insurance prices. A 40-year-old driver could pay as low as $890 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,930 on average in Michigan, Louisiana, and New York.

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 More Affordable Nissan Versa Insurance

Finding better rates on car insurance not only requires being a low-risk driver, but also having above-average credit, not filing small claims, and deciding if full coverage is necessary. Spend time shopping around once a year by quoting rates from direct carriers, and also from local insurance agents.

The items below are a summary of the data that was touched on above.

• Drivers can save as much as $160 per year just by quoting early and online
• Policyholders who require more liability coverage will pay approximately $440 each year to go from 30/60 bodily injury limits to higher 250/500 limits
• Teen drivers are charged the highest prices, as much as $427 per month if full coverage is included
• Higher risk drivers who have multiple accidents or major violations may be required to pay an average of $1,590 more each year to insure their Versa

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.