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 insurance prices for a Nissan Versa are $1,348 every 12 months for full coverage. Comprehensive insurance costs an estimated $256 a year, collision costs $536, and liability coverage is $398. Liability-only coverage costs around $460 a year, with high-risk coverage costing $2,942 or more. Teenage drivers cost the most to insure at $5,118 a year or more.

Average premium for full coverage: $1,348

Policy rates broken down by type of insurance:

Prices include $500 physical damage deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and Versa trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on insurance rates. More rural locations are shown to have more infrequent accident claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

The examples above show why it is important to compare rates quotes for a targeted area and their own driving history, rather than using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $770
• Raising to $1,000 deductibles will save approximately $1,170 a year
• The average price for a good driver age 40 who has $500 deductibles is $1,348
• Using low $100 deductibles costs an extra $354 each year
• Unlucky drivers who are prone to accidents and violations could pay up to $2,942 or more
• Policy cost to insure a teenage driver can cost as much as $5,118

View Chart as Image

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

Using high physical damage deductibles can reduce rates by up to $540 a year, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $358 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher 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, since even excellent drivers should be prepared to pay at least $5,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,600 to $2,200 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 132% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Nissan Versa insurance rates. A middle-age driver might find rates as low as $890 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,930 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know which auto insurance is cheapest is to get quotes and see how they stack up. Every auto insurance company uses a different method to calculate rates, and rates will be varied.

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 Shop for the Right Nissan Versa Insurance

Finding cheaper rates on auto insurance consists of being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates once a year by requesting rates from direct carriers, and also from several local insurance agents.

Below is a quick rundown of the data that was covered above.

• Drivers can save approximately $160 per year simply by quoting early and online
• Consumers who want higher levels of liability will pay an extra $440 each year to raise from a 30/60 limit to a 250/500 level
• Teenage drivers are expensive to insure, costing up to $427 each month if full coverage is included
• Drivers with reckless driving or DUI convictions pay on average $1,590 more annually for auto insurance

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.