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 $1,346 a year for full coverage. Comprehensive costs approximately $248 a year, collision costs $524, and liability costs around $416. A liability-only policy costs as low as $474 a year, with high-risk insurance costing around $2,938. Teenage drivers cost the most to insure at $5,136 a year or more.

Average premium for full coverage: $1,346

Policy rates by type of insurance:

Prices include $500 deductible amounts, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and Versa trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than densely populated cities.

The diagram below illustrates how your location can change auto insurance prices.

The examples above show why it is important to compare prices using their specific location and risk profile, instead of using average rates.

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 best discount rate is $769
• Using higher $1,000 deductibles will save $1,170 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,346
• Using low $100 deductibles for physical damage coverage will increase the cost to $1,688
• Drivers who are prone to accidents and violations could pay around $2,938 or more
• Policy cost for full coverage for a teen driver can cost $5,136 or more

View Chart as Image

Car insurance rates for a Nissan Versa also range considerably based on your risk profile, the trim level of your Versa, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged in the ballpark of $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 $890 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,920 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $520 every year, while buying higher liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $375 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 132% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to get quotes and see which company has the best rate. Each insurance company uses a different method to calculate rates, so rate quotes will be varied from one company to the next.

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 Right Nissan Versa Insurance

Finding cheaper rates on car insurance requires having a good driving record, having above-average credit, avoid buying unnecessary coverage, and avoiding coverage lapses. Invest the time to shop around every time your policy renews by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

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

• Drivers can save around $160 per year simply by quoting early and online
• Drivers age 20 and younger pay the highest auto insurance rates, costing up to $428 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save around $525 each year
• Higher risk drivers with reckless driving or DUI convictions may pay on average $1,590 more per year to buy Nissan Versa insurance
• Policyholders who purchase increased levels of liability coverage will pay an extra $460 each year 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.