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 $1,348 a year including full coverage. Comprehensive insurance costs around $256, collision costs $536, and liability is $398. Liability-only coverage costs around $460 a year, with high-risk coverage costing $2,942 or more. Teen drivers cost the most to insure at $5,118 a year or more.

Average premium for full coverage: $1,348

Policy rates for type of insurance:

Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for different Versa trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.

The price range example below illustrates how location helps determine auto insurance rates.

The examples above highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, instead of making a decision based on price averages.

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

Rates by State, City, and Model

The chart below breaks down estimated Nissan Versa insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $770
• Raising to $1,000 deductibles will save about $178 every year
• The average rate for a good driver age 40 using $500 deductibles is $1,348
• Choosing more expensive low deductibles will cost an extra $354 annually
• Drivers with multiple violations and an at-fault accident could pay at least $2,942 or more
• Policy cost for full coverage for a 16-year-old driver with full coverage can be $5,118

View Chart as Image

Insurance rates for a Nissan Versa also range considerably based on your risk profile, the model of your Versa, and deductibles and policy limits.

An older driver with no violations or accidents and high deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay as much as $5,100 a year. View Rates by Age

Your home state also has a big influence on Nissan Versa insurance prices. A middle-age driver might find rates as low as $1,040 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,930 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles can reduce rates by up to $540 annually, while increasing your policy's liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $358 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,600 to $2,200 additional every year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 132% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out your exact price is to compare rates from multiple companies. Every auto insurance company uses a different rate calculation, and rates will be varied from one company to the next.

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 Best Cheap Nissan Versa Insurance

Finding cheaper rates on insurance for a Nissan Versa consists of avoiding accidents and claims, having a good credit history, paying for small claims out-of-pocket, and taking advantage of discounts. Invest time comparing rates at least every other year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The points below are a quick review of the car insurance concepts covered in the charts and tables above.

• Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,590 more every year to insure a Nissan Versa
• You may be able to save up to $160 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save around $525 each year
• Insureds who may need increased liability limits will pay about $440 per year to raise from a 30/60 limit to 250/500 limits

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.