Nissan Versa Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 22, 2024
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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.
U.S. average insurance prices for a Nissan Versa are $1,348 every 12 months for full coverage. Comprehensive costs approximately $256, collision costs $536, and liability costs around $398. Liability-only insurance costs as low as $460 a year, with high-risk driver insurance costing around $2,942. 16-year-old drivers pay the highest rates at $5,118 a year or more.
Average premium for full coverage: $1,348
Price estimates by individual coverage:
Price estimates include $500 deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all states and for different Versa trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Nissan Versa insurance prices go from the cheapest price of $460 for just liability insurance to a much higher rate of $2,942 for coverage for higher-risk drivers.
Geographic Price Range
Where you live can have significant affects on car insurance rates. Rural locations have more infrequent accident claims than congested cities.
The price range example below illustrates how where you live affects auto insurance prices.
The ranges above show why anyone shopping for car insurance should compare prices using their specific location and their own driving history, instead of 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.
More Rate Details
The chart below shows estimated Nissan Versa insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $770
- Using higher $1,000 deductibles will save $178 a year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,348
- Buying more expensive low deductibles for physical damage coverage increases the price to $1,702
- Drivers with multiple tickets or accidents could pay around $2,942 or more
- The price to insure a teen driver with full coverage can cost $5,118 or more
Car insurance prices for a Nissan Versa are also quite variable based on deductibles and policy limits, your driver profile, and the model of your Versa.
Opting for high physical damage deductibles could cut prices by as much as $540 every year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may pay as little as $1,300 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged in the ballpark of $5,100 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance can be as much as 43% to 132% more than the average rate. View High Risk Driver Rates
The state you live in has a huge impact on Nissan Versa insurance prices. A driver around age 40 might see prices as low as $890 a year in states like Iowa, Maine, and Idaho, or at least $1,930 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,220 | -$128 | -9.5% |
| Alaska | $1,036 | -$312 | -23.1% |
| Arizona | $1,120 | -$228 | -16.9% |
| Arkansas | $1,348 | -$0 | 0.0% |
| California | $1,538 | $190 | 14.1% |
| Colorado | $1,290 | -$58 | -4.3% |
| Connecticut | $1,390 | $42 | 3.1% |
| Delaware | $1,528 | $180 | 13.4% |
| Florida | $1,688 | $340 | 25.2% |
| Georgia | $1,246 | -$102 | -7.6% |
| Hawaii | $970 | -$378 | -28.0% |
| Idaho | $914 | -$434 | -32.2% |
| Illinois | $1,008 | -$340 | -25.2% |
| Indiana | $1,016 | -$332 | -24.6% |
| Iowa | $912 | -$436 | -32.3% |
| Kansas | $1,284 | -$64 | -4.7% |
| Kentucky | $1,842 | $494 | 36.6% |
| Louisiana | $1,998 | $650 | 48.2% |
| Maine | $834 | -$514 | -38.1% |
| Maryland | $1,112 | -$236 | -17.5% |
| Massachusetts | $1,080 | -$268 | -19.9% |
| Michigan | $2,346 | $998 | 74.0% |
| Minnesota | $1,130 | -$218 | -16.2% |
| Mississippi | $1,618 | $270 | 20.0% |
| Missouri | $1,198 | -$150 | -11.1% |
| Montana | $1,450 | $102 | 7.6% |
| Nebraska | $1,064 | -$284 | -21.1% |
| Nevada | $1,620 | $272 | 20.2% |
| New Hampshire | $972 | -$376 | -27.9% |
| New Jersey | $1,510 | $162 | 12.0% |
| New Mexico | $1,198 | -$150 | -11.1% |
| New York | $1,422 | $74 | 5.5% |
| North Carolina | $778 | -$570 | -42.3% |
| North Dakota | $1,106 | -$242 | -18.0% |
| Ohio | $934 | -$414 | -30.7% |
| Oklahoma | $1,388 | $40 | 3.0% |
| Oregon | $1,238 | -$110 | -8.2% |
| Pennsylvania | $1,288 | -$60 | -4.5% |
| Rhode Island | $1,802 | $454 | 33.7% |
| South Carolina | $1,224 | -$124 | -9.2% |
| South Dakota | $1,138 | -$210 | -15.6% |
| Tennessee | $1,182 | -$166 | -12.3% |
| Texas | $1,628 | $280 | 20.8% |
| Utah | $1,000 | -$348 | -25.8% |
| Vermont | $924 | -$424 | -31.5% |
| Virginia | $808 | -$540 | -40.1% |
| Washington | $1,044 | -$304 | -22.6% |
| West Virginia | $1,238 | -$110 | -8.2% |
| Wisconsin | $936 | -$412 | -30.6% |
| Wyoming | $1,202 | -$146 | -10.8% |
Since prices can be so different, the only way to know who has the cheapest car insurance prices is to compare prices and see which company has the best price. Each insurance company utilizes a different rate formula, so rate quotes may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Nissan Versa 1.6 SEDAN | $1,180 | $98 |
| Nissan Versa 1.8 S Hatchback | $1,336 | $111 |
| Nissan Versa 1.8 S SEDAN | $1,336 | $111 |
| Nissan Versa 1.8 SL Hatchback | $1,464 | $122 |
| Nissan Versa 1.8 SL SEDAN | $1,464 | $122 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Nissan Versa | $268 | $542 | $390 | $1,358 |
| 2023 Nissan Versa | $256 | $536 | $398 | $1,348 |
| 2022 Nissan Versa | $248 | $524 | $416 | $1,346 |
| 2021 Nissan Versa | $240 | $502 | $430 | $1,330 |
| 2020 Nissan Versa | $226 | $484 | $442 | $1,310 |
| 2019 Nissan Versa | $218 | $450 | $452 | $1,278 |
| 2018 Nissan Versa | $208 | $424 | $456 | $1,246 |
| 2017 Nissan Versa | $200 | $380 | $460 | $1,198 |
| 2016 Nissan Versa | $188 | $350 | $460 | $1,156 |
| 2015 Nissan Versa | $180 | $328 | $464 | $1,130 |
| 2014 Nissan Versa | $176 | $306 | $474 | $1,114 |
| 2013 Nissan Versa | $164 | $284 | $474 | $1,080 |
| 2012 Nissan Versa | $158 | $258 | $478 | $1,052 |
| 2011 Nissan Versa | $148 | $236 | $474 | $1,016 |
| 2009 Nissan Versa | $134 | $192 | $468 | $952 |
| 2008 Nissan Versa | $132 | $188 | $460 | $938 |
| 2007 Nissan Versa | $130 | $178 | $452 | $918 |
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 Cheaper Nissan Versa Insurance
Getting lower rates on car insurance requires not taking risks behind the wheel, maintaining a good credit score, eliminating unnecessary coverage, and avoiding coverage lapses. Take the time to comparison shop at least once a year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following is a condensed summary of the primary concepts that were touched on in the above illustrations.
- Drivers can save around $160 per year simply by shopping early and online
- Higher risk drivers with multiple at-fault accidents may pay on average $1,590 more per year for Versa insurance
- Increasing physical damage deductibles could save as much as $525 each year
- Teens pay the highest auto insurance prices, with premiums as much as $427 a month if the policy includes full coverage
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.
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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.
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.
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,118 |
| 20 | $3,156 |
| 30 | $1,408 |
| 40 | $1,348 |
| 50 | $1,236 |
| 60 | $1,212 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,702 |
| $250 | $1,538 |
| $500 | $1,348 |
| $1,000 | $1,170 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,348 |
| 50/100 | $1,544 |
| 100/300 | $1,643 |
| 250/500 | $1,902 |
| 100 CSL | $1,583 |
| 300 CSL | $1,802 |
| 500 CSL | $1,962 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,300 |
| 20 | $5,022 |
| 30 | $3,004 |
| 40 | $2,942 |
| 50 | $2,810 |
| 60 | $2,786 |
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.
| Discount | Savings |
|---|---|
| Multi-policy | $71 |
| Multi-vehicle | $72 |
| Homeowner | $20 |
| 5-yr Accident Free | $101 |
| 5-yr Claim Free | $88 |
| Paid in Full/EFT | $63 |
| Advance Quote | $68 |
| Online Quote | $95 |
| Total Discounts | $578 |
Discounts are estimated and may not be available from every company or in every state.
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