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.

Average insurance prices for a Nissan Versa are $1,346 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $248 each year, collision costs $524, and liability costs around $416. Buying just liability costs as low as $474 a year, with insurance for high-risk drivers costing $2,938 or more. Teenage drivers receive the highest rates at $5,136 a year or more.

Average premium for full coverage: $1,346

Rate estimates by individual coverage type:

Prices include $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and Versa models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than densely populated cities.

The graphic below illustrates how rural and urban location affects auto insurance prices.

These examples illustrate why all drivers should compare prices using their specific location and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $769
• Using higher $1,000 deductibles will save $176 each year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,346
• Using low deductibles for physical damage coverage costs an extra $342 annually
• High-risk insureds who are prone to accidents and violations could pay around $2,938 or more
• The cost to insure a 16-year-old driver can cost $5,136 or more

View Chart as Image

Auto insurance rates for a Nissan Versa can also vary considerably based on policy deductibles and limits, your risk profile, and the model of your Versa.

Using high physical damage deductibles could cut rates by as much as $520 annually, whereas increasing liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $375 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as low as $1,300 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay in the ballpark of $5,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying anywhere from $1,600 to $2,200 in extra premium per year, depending on your age. Insurance for high-risk drivers can be from 43% to 132% more than a normal policy. View High Risk Driver Rates

Where you live 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 North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,820 on average in Florida, New York, and Michigan.

View Chart as Image

With so much variability in rates, the only way to figure out who has the best car insurance rates is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate rates, and quoted rates can be significantly different.

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

Saving money on insurance for a Nissan Versa requires avoiding accidents and claims, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to shop around at every other renewal by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The points below are a quick rundown of the concepts that were raised in the charts and tables above.

• Drivers considered higher risk with reckless driving or DUI convictions may have to pay on average $1,590 more per year to insure a Nissan Versa
• Drivers under the age of 20 have the highest car insurance rates, costing up to $428 per month if comprehensive and collision insurance is included
• It is possible to save around $160 per year simply by quoting online in advance
• Increasing deductibles could save as much as $525 each year
• It is possible to save around $160 per year simply by quoting online in advance

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.