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 prices for a Nissan Versa are $1,348 every 12 months for full coverage insurance. Comprehensive insurance costs on average $256 each year, collision costs $536, and liability insurance costs $398. Liability-only insurance costs as little as $460 a year, with high-risk driver insurance costing $2,942 or more. Teens cost the most to insure at $5,118 a year or more.

Average premium for full coverage: $1,348

Policy rates by type of insurance:

Price estimates include $500 deductible amounts, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and Versa models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on insurance rates. Rural areas are shown to have more infrequent physical damage claims than cities with more traffic congestion.

The graphic below illustrates how your location can change car insurance rates.

The examples above illustrate why all drivers should compare rates based on a specific location and their own driving history, rather than relying on averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $770
• Drivers who choose higher $1,000 deductibles will pay around $178 each year
• The average price for a good driver age 40 with $500 deductibles is $1,348
• Selecting low deductibles for comprehensive and collision insurance costs an extra $354 a year
• High risk drivers with serious driving violations could pay upwards of $2,942 or more
• Policy cost to insure a teen driver may cost $5,118 a year

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles could save up to $540 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $358 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay upwards of $5,100 a year. View Rates by Age

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

Your home state makes a big difference in Nissan Versa insurance rates. A 40-year-old driver could pay as low as $880 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,820 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Every company calculates rates differently, 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 Shop for Cheaper Nissan Versa Insurance

Finding cheaper rates on Nissan Versa insurance not only requires having a good driving record, but also having a good credit score, being claim-free, and taking advantage of discounts. Invest the time to shop around every couple of years by requesting rates from direct insurance companies, and also from several local insurance agents.

The next list is a condensed summary of the material that was illustrated above.

• Drivers who require increased levels of liability coverage will pay approximately $440 annually to go from a 30/60 limit to a 250/500 level
• Drivers age 20 and younger are charged the highest rates, possibly costing $427 each month if comprehensive and collision insurance is included
• High-risk drivers with multiple at-fault accidents pay on average $1,590 more each year to buy Nissan Versa insurance
• Increasing comprehensive and collision deductibles could save as much as $525 each year

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.