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 rates for a Nissan Versa are $1,348 a year for full coverage insurance. Comprehensive insurance costs around $256 each year, collision insurance costs $536, and liability costs around $398. Liability-only insurance costs as low as $460 a year, and high-risk driver insurance costs $2,942 or more. Teens cost the most to insure at up to $5,118 a year.

Average premium for full coverage: $1,348

Policy rates for type of insurance:

Rates are based on $500 deductible amounts, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and Versa models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than cities with more traffic congestion. The graphic below illustrates how your location can change auto insurance rates.

The examples above illustrate why all drivers should compare prices for a specific zip code and risk profile, instead of making a decision based on averaged prices.

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

Rates by State, City, and Model

The chart below illustrates average Nissan Versa insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $770
• Using higher $1,000 deductibles will save about $178 each year
• The average rate for a good driver age 40 using $500 deductibles is $1,348
• Selecting low deductibles for physical damage coverage will cost an extra $354 annually
• High-risk insureds with serious driving violations could pay at least $2,942
• Policy cost for full coverage for a 16-year-old driver can be $5,118 or more

View Chart as Image

Auto insurance rates for a Nissan Versa also range considerably based on your risk profile, the model year and trim level, and deductibles and policy limits.

More mature drivers with a good driving record and high deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay as much as $5,100 a year. View Rates by Age

Your home state has a huge impact on Nissan Versa insurance prices. A driver around age 40 might see rates as low as $880 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,820 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $540 annually, whereas increasing liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $358 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,600 to $2,200 in extra premium every year, depending on your age. Insurance for high-risk drivers can be from 43% to 132% more than the average policy. View High Risk Driver Rates

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 Find the Best Cheap Nissan Versa Insurance

Finding cheaper rates on insurance for a Nissan Versa requires having a good driving record, having good credit, being claim-free, and possibly raising deductibles. Invest the time to shop around every time your policy renews by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The next list is a quick review of the information illustrated above.

• It is possible to save up to $160 per year just by quoting online in advance
• Drivers age 20 and younger are expensive to insure, possibly costing $427 each month if they have full coverage
• Increasing comprehensive and collision deductibles can save around $525 each year
• Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,590 more every year to buy Nissan Versa insurance
• Insureds who may need increased levels of liability coverage will pay approximately $440 annually to increase from a 30/60 limit to 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.

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.