Nissan Versa Note Insurance Rates

The average insurance rates for a Nissan Versa Note are $1,300 a year for full coverage insurance. Comprehensive costs an estimated $240 each year, collision costs $446, and liability is estimated at $456. Liability-only coverage costs approximately $508 a year, with high-risk coverage costing around $2,826. Teens 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:

Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and Versa Note models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than cities with more traffic congestion.

The graphic below illustrates the difference location can make on insurance prices.

The examples above illustrate why all drivers should get quotes for a targeted area, instead of making a decision based on averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $752
• Choosing higher $1,000 deductibles can save approximately $156 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,300
• Selecting low deductibles for comp and collision coverage bumps up the cost to $1,604
• Higher-risk drivers with serious driving violations could pay up to $2,826 or more
• Policy cost that insures a 16-year-old driver can cost as much as $5,010 each year

View Chart as Image

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 additional every year, depending on your age. Insurance for high-risk drivers ranges from 44% to 137% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $5,000 a year. View Rates by Age

Your home state plays a big part in determining prices for Nissan Versa Note insurance prices. A good driver about age 40 could pay as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,760 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $460 annually, 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 more each year. 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 from multiple companies. Each auto insurer calculates rates differently, and rates will be varied.

How to Find More Affordable Nissan Versa Note Insurance

Finding cheaper rates on insurance for a Nissan Versa Note takes having a decent driving record, having a good credit score, being claim-free, and maximizing policy discounts. Compare rates every couple of years by getting quotes from direct insurance companies, and also from local insurance agencies.

The following items are a summary of the material that was touched on in this article.

• Insureds who want additional liability coverage will pay approximately $500 annually to raise limits from a 30/60 limit to the 250/500 level
• 16 to 18-year-old drivers are expensive to insure, possibly costing $418 each month if comprehensive and collision insurance is included
• Drivers considered higher risk who have multiple accidents or major violations may have to pay on average $1,530 more annually than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save approximately $450 each year