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 for full coverage insurance. Comprehensive insurance costs on average $256 each year, collision costs $536, and liability insurance costs around $398. Buying just liability costs as low as $460 a year, with insurance for high-risk drivers costing $2,942 or more. 16-year-old drivers 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:

These estimates include $500 deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and Versa models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than congested cities.

The graphic below illustrates how geographic area affects car insurance rates.

The examples above illustrate why all drivers should compare prices based on a specific location, rather than relying on rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $770
• Using higher $1,000 deductibles will save around $178 each year
• The estimated price for a good driver age 40 with $500 deductibles is $1,348
• Buying low deductibles for physical damage coverage will cost an additional $354 a year
• Drivers with multiple tickets or accidents could pay upwards of $2,942 or more
• Policy cost that insures a teen driver may cost $5,118 or more

View Chart as Image

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

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

More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay upwards of $5,100 a year. View Rates by Age

Your home state has a huge impact on Nissan Versa insurance rates. A driver around age 40 might see rates as low as $880 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,820 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $540 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $358 more per year. View Rates by Deductible or Liability Limit

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. Each insurance company utilizes a different rate formula, so the 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 Cheap Nissan Versa Insurance

Finding cheaper rates on Nissan Versa insurance requires not taking risks behind the wheel, having above-average credit, being claim-free, and bundling your home and auto policies. Comparison shop at least every other year by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following is a brief summary of the car insurance concepts presented in the illustrations above.

• High-risk drivers that tend to have accidents or serious violations may pay on average $1,590 more each year for Versa insurance
• It is possible to save as much as $160 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $525 each year
• Drivers who require higher liability limits will pay around $440 annually to increase from a 30/60 limit to the 250/500 level

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.