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 auto insurance rates for a Nissan Versa are $1,348 annually for full coverage. Comprehensive costs approximately $256, collision costs $536, and liability coverage is $398. Liability-only coverage costs around $460 a year, with high-risk coverage costing around $2,942. Teen drivers cost the most to insure at $5,118 a year or more.

Average premium for full coverage: $1,348

Policy rates by type of insurance:

Rate estimates include $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and for all Versa models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural locations are shown to have fewer accident claims than larger metro areas.

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

The examples above show why everyone should compare rates quotes using their specific location and their own personal driving habits, rather than using price averages.

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

Rates by State, City, and Model

The chart below shows estimated Nissan Versa insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $770
• Raising to $1,000 deductibles will save $178 a year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,348
• Choosing pricier low deductibles will cost $1,702
• Unlucky drivers with multiple violations and an at-fault accident could pay around $2,942 or more
• Policy cost with full coverage for a teenage driver for full coverage can cost $5,118

View Chart as Image

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.

A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,100 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 $1,600 to $2,200 additional every year, depending on your age. Nissan Versa insurance for high-risk drivers is expensive and can cost around 43% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $540 a year, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $358 more each year. View Rates by Deductible or Liability Limit

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 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 who has the cheapest car insurance rates is to regularly compare rates and see how they stack up. Every auto insurance company uses a different rate calculation, and rates will be varied between companies.

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 the Best Nissan Versa Insurance

Finding cheaper rates on auto insurance consists of avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Set aside time to compare rates every couple of years by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The points below are a brief recap of the material that was covered above.

• Consumers who purchase increased liability limits will pay about $440 each year to raise from a 30/60 limit to higher 250/500 limits
• Drivers under the age of 20 are the costliest to insure, costing up to $427 each month if they have full coverage
• Drivers who tend to receive serious violations pay on average $1,590 more per year to insure a Nissan Versa
• Increasing comprehensive and collision deductibles could save up to $525 each year

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.