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. Comprehensive costs around $256, collision insurance costs $536, and liability costs around $398. Buying just liability costs as low as $460 a year, and insurance for high-risk drivers costs around $2,942. 16-year-old drivers cost the most to insure at up to $5,118 a year.

Average premium for full coverage: $1,348

Policy rates for type of insurance:

Estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for different Versa trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than congested cities. The price range example below illustrates how your location can change auto insurance rates.

The examples above show why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, instead of making a decision based on rate averages.

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

Additional Charts and Tables

The chart below shows average Nissan Versa insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $770
• Using higher $1,000 deductibles will save about $178 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,348
• Buying more expensive low deductibles for physical damage coverage will increase the cost to $1,702
• High-risk insureds with multiple tickets or accidents could pay at least $2,942
• Policy cost for full coverage for a 16-year-old driver with full coverage can be $5,118 or more

View Chart as Image

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

An older driver with a clean driving record and high deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay as much as $5,100 a year. View Rates by Age

Your home state has a huge impact on Nissan Versa insurance prices. A driver around age 40 might see rates as low as $890 a year in states like Idaho, Maine, and Iowa, or at least $1,930 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $540 annually, while increasing your policy's liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $358 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance can be from 43% to 132% more than the average rate. View High Risk Driver Rates

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 Low Cost Nissan Versa Insurance

Finding cheaper rates on insurance for a Nissan Versa requires having a good driving record, maintaining good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Invest the time to shop around every other policy renewal by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The next list is a review of the ideas that were illustrated above.

• Drivers age 20 and younger pay higher rates, costing up to $427 each month for full coverage
• Drivers considered higher risk who have several accidents or serious violations may be required to pay an average of $1,590 more every year to buy Nissan Versa insurance
• Increasing comprehensive and collision deductibles can save around $525 each year
• Drivers can save up to $160 per year just by shopping early and online

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.