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 insurance costs on average $248 each year, collision costs $524, and liability costs $416. A liability-only policy costs as little as $474 a year, with high-risk insurance costing $2,938 or more. Teens 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:

Full coverage includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and Versa models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of accident claims than cities with more traffic congestion.

The graphic below illustrates how location impacts car insurance rates.

The examples above show why all drivers should compare rates based on a specific location, instead of making a decision based on averaged prices.

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

Additional Rate Information

The chart below shows estimated Nissan Versa insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $769
• Drivers who choose higher $1,000 deductibles will pay around $176 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,346
• Selecting low deductibles for comprehensive and collision insurance will cost an additional $342 annually
• Drivers with serious driving violations could pay upwards of $2,938 or more
• Policy cost that insures a 16-year-old driver may cost $5,136 a year

View Chart as Image

Car insurance rates for a Nissan Versa also range considerably based on the trim level and model year, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,600 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers can cost from 43% to 132% more than the average policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged upwards of $5,100 a year. View Rates by Age

Your home state makes a big difference in Nissan Versa insurance prices. A 40-year-old driver could pay as low as $890 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,920 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $520 annually, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $375 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know exactly what you will pay is to do a rate comparison from multiple companies. Every company calculates rates differently, so rate quotes will be varied.

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 More Affordable Nissan Versa Insurance

Finding cheaper rates on insurance for a Nissan Versa not only requires having a decent driving record, but also having a positive credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Compare rates at least once a year by getting quotes from direct carriers, and also from local exclusive and independent agents.

The following items are a summary of the primary concepts that were touched on above.

• Drivers can save as much as $160 per year simply by quoting online in advance
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,590 more each year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save approximately $525 each year
• 16 to 18-year-old drivers are expensive to insure, costing up to $428 each month if full coverage is purchased

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.