Nissan Versa Insurance Rates
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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.
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
For a 40-year-old driver, Nissan Versa insurance rates go from the cheapest price of $460 for just liability insurance to a high rate of $2,942 for high-risk insurance.
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.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
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
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.
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% |
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
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
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.
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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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