Nissan Versa Insurance Rates
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UPDATED: Jun 6, 2023
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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 $1,278 annually for full coverage. Comprehensive insurance costs approximately $218, collision insurance costs $450, and liability costs $452. A liability-only policy costs as little as $504 a year, and high-risk insurance costs $2,786 or more. Teens cost the most to insure at up to $4,966 a year.
Average premium for full coverage: $1,278
Policy rates by type of insurance:
Prices include $500 physical damage deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for different Versa trim levels.
Price Range Variability
For an average driver, Nissan Versa insurance rates range from as cheap as $504 for just the minimum liability insurance to a much higher rate of $2,786 for a high-risk insurance policy.
Urban vs. Rural Price Range
Your location can have significant affects on car insurance rates. Rural locations are shown to have fewer accident claims than cities with more traffic congestion. The price range example below illustrates the effect of geographic area on auto insurance prices.
The examples above show why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, instead of using averaged prices.
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 Analysis
The chart below shows average Nissan Versa insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $737
- Drivers who choose higher $1,000 deductibles will pay $152 a year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,278
- Selecting more expensive low deductibles for comprehensive and collision insurance costs an additional $296 every year
- Higher-risk drivers with serious driving violations could pay around $2,786
- Policy cost with full coverage for a teen driver with full coverage can cost $4,966 a year
Car insurance rates for a Nissan Versa also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.
An older driver with no driving violations and high physical damage deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged in the ballpark of $4,900 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance can cost as much as 42% to 131% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $450 every year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Nissan Versa insurance prices. A 40-year-old driver could pay as low as $840 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,820 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,154 | -$124 | -9.7% |
| Alaska | $978 | -$300 | -23.5% |
| Arizona | $1,058 | -$220 | -17.2% |
| Arkansas | $1,278 | -$0 | 0.0% |
| California | $1,454 | $176 | 13.8% |
| Colorado | $1,220 | -$58 | -4.5% |
| Connecticut | $1,314 | $36 | 2.8% |
| Delaware | $1,444 | $166 | 13.0% |
| Florida | $1,598 | $320 | 25.0% |
| Georgia | $1,178 | -$100 | -7.8% |
| Hawaii | $916 | -$362 | -28.3% |
| Idaho | $864 | -$414 | -32.4% |
| Illinois | $950 | -$328 | -25.7% |
| Indiana | $960 | -$318 | -24.9% |
| Iowa | $860 | -$418 | -32.7% |
| Kansas | $1,212 | -$66 | -5.2% |
| Kentucky | $1,742 | $464 | 36.3% |
| Louisiana | $1,890 | $612 | 47.9% |
| Maine | $788 | -$490 | -38.3% |
| Maryland | $1,052 | -$226 | -17.7% |
| Massachusetts | $1,022 | -$256 | -20.0% |
| Michigan | $2,218 | $940 | 73.6% |
| Minnesota | $1,068 | -$210 | -16.4% |
| Mississippi | $1,528 | $250 | 19.6% |
| Missouri | $1,132 | -$146 | -11.4% |
| Montana | $1,370 | $92 | 7.2% |
| Nebraska | $1,008 | -$270 | -21.1% |
| Nevada | $1,530 | $252 | 19.7% |
| New Hampshire | $920 | -$358 | -28.0% |
| New Jersey | $1,426 | $148 | 11.6% |
| New Mexico | $1,130 | -$148 | -11.6% |
| New York | $1,344 | $66 | 5.2% |
| North Carolina | $736 | -$542 | -42.4% |
| North Dakota | $1,046 | -$232 | -18.2% |
| Ohio | $882 | -$396 | -31.0% |
| Oklahoma | $1,312 | $34 | 2.7% |
| Oregon | $1,170 | -$108 | -8.5% |
| Pennsylvania | $1,218 | -$60 | -4.7% |
| Rhode Island | $1,704 | $426 | 33.3% |
| South Carolina | $1,156 | -$122 | -9.5% |
| South Dakota | $1,078 | -$200 | -15.6% |
| Tennessee | $1,118 | -$160 | -12.5% |
| Texas | $1,540 | $262 | 20.5% |
| Utah | $944 | -$334 | -26.1% |
| Vermont | $874 | -$404 | -31.6% |
| Virginia | $764 | -$514 | -40.2% |
| Washington | $986 | -$292 | -22.8% |
| West Virginia | $1,170 | -$108 | -8.5% |
| Wisconsin | $884 | -$394 | -30.8% |
| Wyoming | $1,138 | -$140 | -11.0% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Nissan Versa 1.6 SEDAN | $1,134 | $95 |
| Nissan Versa 1.8 S Hatchback | $1,266 | $106 |
| Nissan Versa 1.8 S SEDAN | $1,266 | $106 |
| Nissan Versa 1.8 SL Hatchback | $1,372 | $114 |
| Nissan Versa 1.8 SL SEDAN | $1,372 | $114 |
Rates assume 2017 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Nissan Versa | $240 | $502 | $430 | $1,330 |
| 2018 Nissan Versa | $226 | $484 | $442 | $1,310 |
| 2017 Nissan Versa | $218 | $450 | $452 | $1,278 |
| 2016 Nissan Versa | $208 | $424 | $456 | $1,246 |
| 2015 Nissan Versa | $200 | $380 | $460 | $1,198 |
| 2014 Nissan Versa | $188 | $350 | $460 | $1,156 |
| 2013 Nissan Versa | $180 | $328 | $464 | $1,130 |
| 2012 Nissan Versa | $176 | $306 | $474 | $1,114 |
| 2011 Nissan Versa | $164 | $284 | $474 | $1,080 |
| 2009 Nissan Versa | $148 | $236 | $474 | $1,016 |
| 2008 Nissan Versa | $140 | $214 | $474 | $986 |
| 2007 Nissan Versa | $134 | $192 | $468 | $952 |
Rates are averaged for all Nissan Versa models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Right Nissan Versa Insurance
Finding cheaper rates on car insurance not only requires being a safe and courteous driver, but also having a good credit score, avoid buying unnecessary coverage, and attention to physical damage deductibles. Take the time to compare rates at least every other year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
Below is a quick rundown of the car insurance concepts covered in the above illustrations.
- Higher risk drivers with reckless driving or DUI convictions pay on average $1,510 more per year for auto insurance
- Drivers can save around $150 per year just by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $450 each year
- Policyholders who purchase higher levels of liability will pay approximately $500 each year 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.
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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.
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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,966 |
| 20 | $2,982 |
| 30 | $1,318 |
| 40 | $1,278 |
| 50 | $1,170 |
| 60 | $1,148 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,574 |
| $250 | $1,436 |
| $500 | $1,278 |
| $1,000 | $1,126 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,278 |
| 50/100 | $1,462 |
| 100/300 | $1,575 |
| 250/500 | $1,869 |
| 100 CSL | $1,508 |
| 300 CSL | $1,756 |
| 500 CSL | $1,937 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,066 |
| 20 | $4,756 |
| 30 | $2,832 |
| 40 | $2,786 |
| 50 | $2,666 |
| 60 | $2,642 |
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 | $67 |
| Multi-vehicle | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $92 |
| 5-yr Claim Free | $83 |
| Paid in Full/EFT | $56 |
| Advance Quote | $63 |
| Online Quote | $90 |
| Total Discounts | $541 |
Discounts are estimated and may not be available from every company or in every state.
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