Nissan Versa Insurance Rates
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UPDATED: Apr 30, 2020
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If you ever found yourself wondering about Nissan Versa insurance costs, you aren’t alone. As one of the most popular models being driven today, plenty of people are curious to know more about Nissan Versa car insurance so they can properly prepare a budget.
For example, the average annual Nissan Versa Note car insurance rates and Nissan Versa sedan rates amount to $1,372 a year. Regardless of which body style you drive, you can use our free online quote tool to compare Nissan Versa insurance rates from multiple companies.
Average insurance prices for a Nissan Versa are $1,358 every 12 months for full coverage insurance. Comprehensive costs around $268 a year, collision insurance costs $542, and liability coverage is $390. Liability-only coverage costs around $452 a year, and high-risk coverage costs around $2,950. 16-year-old drivers receive the highest rates at up to $5,108 a year.
Average premium for full coverage: $1,358
Rate estimates for individual coverage type:
Prices are based on $500 physical damage deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and Versa trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from the cheapest price of $452 for just liability coverage to a high of $2,950 for a high-risk insurance policy.
Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population tend to have more infrequent physical damage claims than congested cities. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.
These examples illustrate why it is important to compare rates quotes for a specific zip code and their own driving history, rather than using rate averages.
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.
Detailed Rate Analysis
The chart below illustrates average Nissan Versa insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $777
- Raising to $1,000 deductibles will save about $1,174 each year
- The average price for a 40-year-old driver using $500 deductibles is $1,358
- Buying low $100 deductibles increases the price to $1,714
- Unlucky drivers with multiple tickets or accidents could pay at least $2,950
- The cost to insure a teenage driver can be $5,108
Car insurance rates for a Nissan Versa can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level and model year.
Opting for high physical damage deductibles can reduce rates by up to $540 a year, while buying higher liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may only pay around $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged as much as $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 at least $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 131% more than the average rate. View High Risk Driver Rates
Where you live 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 Vermont, Wisconsin, and North Carolina, or at least $1,830 on average in Michigan, New York, and Florida.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Insurance Rates by Trim Level and Model Year
|Model and Trim||Annual Premium||Monthly Premium|
|Nissan Versa 1.6 SEDAN||$1,186||$99|
|Nissan Versa 1.8 S Hatchback||$1,344||$112|
|Nissan Versa 1.8 S SEDAN||$1,344||$112|
|Nissan Versa 1.8 SL Hatchback||$1,472||$123|
|Nissan Versa 1.8 SL SEDAN||$1,472||$123|
Rates assume 2020 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|
|2020 Nissan Versa||$268||$542||$390||$1,358|
|2019 Nissan Versa||$256||$536||$398||$1,348|
|2018 Nissan Versa||$248||$524||$416||$1,346|
|2017 Nissan Versa||$240||$502||$430||$1,330|
|2016 Nissan Versa||$226||$484||$442||$1,310|
|2015 Nissan Versa||$218||$450||$452||$1,278|
|2014 Nissan Versa||$208||$424||$456||$1,246|
|2013 Nissan Versa||$200||$380||$460||$1,198|
|2012 Nissan Versa||$188||$350||$460||$1,156|
|2011 Nissan Versa||$180||$328||$464||$1,130|
|2010 Nissan Versa||$176||$306||$474||$1,114|
|2009 Nissan Versa||$164||$284||$474||$1,080|
|2008 Nissan Versa||$158||$258||$478||$1,052|
|2007 Nissan Versa||$148||$236||$474||$1,016|
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 Shop for Affordable Nissan Versa Insurance
Saving money on auto insurance consists of being a safe and courteous driver, maintaining a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Set aside time to compare rates at least every other year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
Below is a brief review of the car insurance concepts covered above.
- Drivers with DUI or reckless driving convictions may pay on average $1,590 more every year for auto insurance
- It is possible to save up to $160 per year just by quoting early and online
- Increasing deductibles could save as much as $550 each year
- Consumers who may need higher levels of liability will pay around $430 annually to raise from a minimum limit to a 250/500 level
As you can see from the preceding information, there are several individual factors that influence the cost of Nissan Versa insurance.
Take advantage of our free online quote tool below to start comparing Nissan Vera insurance rates from several companies.
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What are the safety ratings of the Nissan Versa?
When quoting a driver, insurance companies will look at the safety features and ratings of the model you drive in order to determine the risk of injury to you as well as the risk of damage to your Nissan Versa.
Take a look at the following safety ratings of the Nissan Versa as determined by the Insurance Institute for Highway Safety (IIHS).
- Small overlap front (driver-side): Good
- Small overlap front (passenger-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
As you can see from these crash test results, the Nissan Versa received the highest mark possible in all six categories.
Nissan Versa Compared Against Other Vehicles in the Same Class
If you are curious to know how the Nissan Versa stacks up to other similar models, take a look at the following midsize sedans.
Each page provides information on the insurance rates for each comparable model so you can cross-reference them with the Nissan Versa.
Now that we have gone into great detail about Nissan Versa insurance costs, is there anything you want to know more about? If not, be sure to use our free online tool to start comparing Nissan Versa quotes from top companies today.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$102|
|5-yr Claim Free||$88|
|Paid in Full/EFT||$63|
Discounts are estimated and may not be available from every company or in every state.