Nissan Versa Note Insurance Rates
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Michelle Robbins
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UPDATED: Apr 22, 2024
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The average insurance rates for a Nissan Versa Note are $1,300 a year for full coverage insurance. Comprehensive insurance costs an estimated $240 each year, collision costs $446, and liability coverage is $456. A liability-only policy costs around $508 a year, with high-risk insurance costing $2,826 or more. Teen drivers cost the most to insure at $5,010 a year or more.
Average premium for full coverage: $1,300
Policy rates broken down by type of insurance:
Estimates include $500 deductible amounts, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and Versa Note models.
Price Range Variability
Using a 40-year-old driver as an example, Nissan Versa Note insurance rates go from the low end price of $508 for the bare minimum liability coverage to a high rate of $2,826 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than larger metro areas.
The graphic below illustrates how rural and urban location affects insurance prices.
The examples above illustrate why all drivers should compare rates quotes for a targeted area, rather than using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below illustrates estimated Nissan Versa Note insurance rates for other coverage scenarios.
- The lowest rate with discounts is $752
- Raising to $1,000 deductibles will save approximately $156 each year
- The estimated price for a good driver age 40 who has $500 deductibles is $1,300
- Choosing low deductibles will cost an additional $304 each year
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,826 or more
- Policy cost that insures a teenage driver can cost as much as $5,010
Car insurance rates for a Nissan Versa Note also range considerably based on the trim level and model year, your age and driving record, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you are probably paying $1,600 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 137% more than average. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged at least $5,000 a year. View Rates by Age
Your home state also has a big influence on Nissan Versa Note insurance rates. A middle-age driver might find rates as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,760 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,176 | -$124 | -9.5% |
| Alaska | $998 | -$302 | -23.2% |
| Arizona | $1,078 | -$222 | -17.1% |
| Arkansas | $1,300 | -$0 | 0.0% |
| California | $1,482 | $182 | 14.0% |
| Colorado | $1,242 | -$58 | -4.5% |
| Connecticut | $1,336 | $36 | 2.8% |
| Delaware | $1,472 | $172 | 13.2% |
| Florida | $1,628 | $328 | 25.2% |
| Georgia | $1,200 | -$100 | -7.7% |
| Hawaii | $934 | -$366 | -28.2% |
| Idaho | $878 | -$422 | -32.5% |
| Illinois | $968 | -$332 | -25.5% |
| Indiana | $978 | -$322 | -24.8% |
| Iowa | $878 | -$422 | -32.5% |
| Kansas | $1,236 | -$64 | -4.9% |
| Kentucky | $1,774 | $474 | 36.5% |
| Louisiana | $1,924 | $624 | 48.0% |
| Maine | $804 | -$496 | -38.2% |
| Maryland | $1,072 | -$228 | -17.5% |
| Massachusetts | $1,040 | -$260 | -20.0% |
| Michigan | $2,260 | $960 | 73.8% |
| Minnesota | $1,088 | -$212 | -16.3% |
| Mississippi | $1,556 | $256 | 19.7% |
| Missouri | $1,152 | -$148 | -11.4% |
| Montana | $1,398 | $98 | 7.5% |
| Nebraska | $1,024 | -$276 | -21.2% |
| Nevada | $1,558 | $258 | 19.8% |
| New Hampshire | $936 | -$364 | -28.0% |
| New Jersey | $1,454 | $154 | 11.8% |
| New Mexico | $1,152 | -$148 | -11.4% |
| New York | $1,370 | $70 | 5.4% |
| North Carolina | $750 | -$550 | -42.3% |
| North Dakota | $1,064 | -$236 | -18.2% |
| Ohio | $898 | -$402 | -30.9% |
| Oklahoma | $1,336 | $36 | 2.8% |
| Oregon | $1,192 | -$108 | -8.3% |
| Pennsylvania | $1,240 | -$60 | -4.6% |
| Rhode Island | $1,736 | $436 | 33.5% |
| South Carolina | $1,176 | -$124 | -9.5% |
| South Dakota | $1,096 | -$204 | -15.7% |
| Tennessee | $1,138 | -$162 | -12.5% |
| Texas | $1,566 | $266 | 20.5% |
| Utah | $964 | -$336 | -25.8% |
| Vermont | $892 | -$408 | -31.4% |
| Virginia | $780 | -$520 | -40.0% |
| Washington | $1,004 | -$296 | -22.8% |
| West Virginia | $1,192 | -$108 | -8.3% |
| Wisconsin | $902 | -$398 | -30.6% |
| Wyoming | $1,160 | -$140 | -10.8% |
Choosing high deductibles can reduce rates by up to $460 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to do a rate comparison and see how they stack up. Every auto insurance company uses a different rate calculation, so rate quotes will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Nissan Versa Note | $240 | $446 | $456 | $1,300 |
| 2018 Nissan Versa Note | $230 | $400 | $460 | $1,248 |
Rates are averaged for all Nissan Versa Note models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Low Cost Nissan Versa Note Insurance
Finding cheaper rates on auto insurance consists of having a good driving record, having a positive credit history, being claim-free, and not having any coverage lapses. Shop around at every policy renewal by requesting quotes from direct insurance companies, and also from local insurance agencies.
The next list is a review of the data raised in the charts and tables above.
- Consumers who want increased levels of liability coverage will pay about $500 annually to raise from a 30/60 limit to the 250/500 level
- It is possible to save approximately $150 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles can save approximately $450 each year
- Drivers age 20 and younger have the highest car insurance rates, possibly costing $418 each month if full coverage is purchased
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,010 |
| 20 | $3,016 |
| 30 | $1,344 |
| 40 | $1,300 |
| 50 | $1,190 |
| 60 | $1,166 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,604 |
| $250 | $1,462 |
| $500 | $1,300 |
| $1,000 | $1,144 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,300 |
| 50/100 | $1,391 |
| 100/300 | $1,505 |
| 250/500 | $1,802 |
| 100 CSL | $1,437 |
| 300 CSL | $1,688 |
| 500 CSL | $1,870 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,128 |
| 20 | $4,808 |
| 30 | $2,874 |
| 40 | $2,826 |
| 50 | $2,702 |
| 60 | $2,678 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $69 |
| Multi-vehicle | $70 |
| Homeowner | $21 |
| 5-yr Accident Free | $93 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $57 |
| Advance Quote | $63 |
| Online Quote | $91 |
| Total Discounts | $548 |
Discounts are estimated and may not be available from every company or in every state.
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