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 including full coverage. Comprehensive costs an estimated $248, collision costs $524, and liability is estimated at $416. Liability-only insurance costs approximately $474 a year, with high-risk driver insurance costing around $2,938. 16-year-old drivers cost the most to insure at $5,136 a year or more.

Average premium for full coverage: $1,346

Policy rates broken down by type of insurance:

Includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for different Versa trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than congested cities.

The price range example below illustrates the difference location can make on insurance prices.

The examples above highlight why anyone shopping for car insurance should get quotes for a targeted area, instead of making a decision based on rate averages.

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

More Rate Information

The chart below breaks down estimated Nissan Versa insurance rates for other coverage scenarios.

• The best full coverage rate is $769
• Choosing higher $1,000 deductibles can save approximately $176 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,346
• Buying more expensive low deductibles for comp and collision coverage bumps up the cost to $1,688
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,938 or more
• Policy cost that insures a 16-year-old driver with full coverage can cost as much as $5,136 each year

View Chart as Image

Auto insurance rates for a Nissan Versa also range considerably based on the model year and trim level, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,600 to $2,200 in extra premium every year, depending on your age. High-risk driver insurance ranges from 43% to 132% more than the average rate. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay at least $5,100 a year. View Rates by Age

Your home state plays a big part in determining prices for Nissan Versa insurance prices. A good driver about age 40 could pay as low as $1,030 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,920 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $520 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $375 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates from multiple companies. Each auto insurer utilizes a different rate formula, and quoted rates 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 the Cheapest Nissan Versa Insurance

Finding cheaper rates on insurance for a Nissan Versa takes avoiding accidents and violations, maintaining a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Comparison shop at least once a year by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The list below is a recap of the primary concepts that were touched on in this article.

• You may be able to save approximately $160 per year simply by shopping early and online
• Drivers considered higher risk that have major violations or accidents could be charged and average of $1,590 more annually for car insurance
• Increasing comprehensive and collision deductibles can save approximately $525 each year
• Teenagers are the costliest to insure, with premiums being up to $428 each 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.

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.