Nissan Versa Note Insurance Rates
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UPDATED: Apr 22, 2024
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The average insurance prices for a Nissan Versa Note are $1,334 every 12 months with full coverage. Comprehensive insurance costs on average $250, collision costs $474, and liability is $452. Buying just liability costs around $504 a year, with insurance for high-risk drivers costing $2,900 or more. 16-year-old drivers cost the most to insure at $5,112 a year or more.
Average premium for full coverage: $1,334
Policy rates by type of insurance:
These estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for all Versa Note models.
Price Range Variability
For a driver in their 40's, Nissan Versa Note insurance rates go from the cheapest price of $504 for just the minimum liability insurance to the much higher price of $2,900 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas are shown to have more infrequent collision claims than congested cities.
The example below illustrates how location helps determine car insurance rates.
The examples above demonstrate why everyone should compare rates quotes based on a specific location and their own driving history, instead of making a decision based on rate averages.
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.
Additional Rate Analysis
The chart below details estimated Nissan Versa Note insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $768
- Raising to $1,000 deductibles will save around $164 annually
- The average price for a good driver age 40 with $500 deductibles is $1,334
- Buying pricier low deductibles costs an extra $320 annually
- Drivers with multiple tickets or accidents could pay upwards of $2,900 or more
- Policy cost to insure a 16-year-old driver for full coverage may cost $5,112
Insurance rates for a Nissan Versa Note also range considerably based on liability limits and deductibles, your driving record, and the trim level of your Versa Note.
Opting for high physical damage deductibles can reduce rates by up to $490 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect 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 may be forking out at a minimum $1,600 to $2,200 extra every year, depending on your age. Nissan Versa Note insurance for high-risk drivers is expensive and can cost from 43% to 134% more than the average rate. View High Risk Driver Rates
Your home state also has a big influence on Nissan Versa Note insurance prices. A middle-age driver might find rates as low as $960 a year in states like New Hampshire, Ohio, and Utah, or at least $1,800 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,206 | -$128 | -9.6% |
| Alaska | $1,024 | -$310 | -23.2% |
| Arizona | $1,106 | -$228 | -17.1% |
| Arkansas | $1,334 | -$0 | 0.0% |
| California | $1,518 | $184 | 13.8% |
| Colorado | $1,272 | -$62 | -4.6% |
| Connecticut | $1,372 | $38 | 2.8% |
| Delaware | $1,508 | $174 | 13.0% |
| Florida | $1,668 | $334 | 25.0% |
| Georgia | $1,230 | -$104 | -7.8% |
| Hawaii | $956 | -$378 | -28.3% |
| Idaho | $902 | -$432 | -32.4% |
| Illinois | $994 | -$340 | -25.5% |
| Indiana | $1,004 | -$330 | -24.7% |
| Iowa | $898 | -$436 | -32.7% |
| Kansas | $1,266 | -$68 | -5.1% |
| Kentucky | $1,818 | $484 | 36.3% |
| Louisiana | $1,974 | $640 | 48.0% |
| Maine | $822 | -$512 | -38.4% |
| Maryland | $1,100 | -$234 | -17.5% |
| Massachusetts | $1,068 | -$266 | -19.9% |
| Michigan | $2,316 | $982 | 73.6% |
| Minnesota | $1,116 | -$218 | -16.3% |
| Mississippi | $1,596 | $262 | 19.6% |
| Missouri | $1,184 | -$150 | -11.2% |
| Montana | $1,432 | $98 | 7.3% |
| Nebraska | $1,052 | -$282 | -21.1% |
| Nevada | $1,598 | $264 | 19.8% |
| New Hampshire | $962 | -$372 | -27.9% |
| New Jersey | $1,490 | $156 | 11.7% |
| New Mexico | $1,180 | -$154 | -11.5% |
| New York | $1,404 | $70 | 5.2% |
| North Carolina | $768 | -$566 | -42.4% |
| North Dakota | $1,092 | -$242 | -18.1% |
| Ohio | $922 | -$412 | -30.9% |
| Oklahoma | $1,368 | $34 | 2.5% |
| Oregon | $1,220 | -$114 | -8.5% |
| Pennsylvania | $1,272 | -$62 | -4.6% |
| Rhode Island | $1,778 | $444 | 33.3% |
| South Carolina | $1,208 | -$126 | -9.4% |
| South Dakota | $1,124 | -$210 | -15.7% |
| Tennessee | $1,168 | -$166 | -12.4% |
| Texas | $1,608 | $274 | 20.5% |
| Utah | $986 | -$348 | -26.1% |
| Vermont | $912 | -$422 | -31.6% |
| Virginia | $798 | -$536 | -40.2% |
| Washington | $1,030 | -$304 | -22.8% |
| West Virginia | $1,220 | -$114 | -8.5% |
| Wisconsin | $922 | -$412 | -30.9% |
| Wyoming | $1,188 | -$146 | -10.9% |
Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates from multiple companies. Every auto insurance company utilizes a different rate formula, so the rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Nissan Versa Note | $250 | $474 | $452 | $1,334 |
| 2018 Nissan Versa Note | $240 | $446 | $456 | $1,300 |
Rates are averaged for all Nissan Versa Note 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 Cheap Nissan Versa Note Insurance
Finding cheaper rates on insurance for a Nissan Versa Note consists of having a good driving record, having good credit, not filing small claims, and bundling your home and auto policies. Invest time comparing rates at every other renewal by requesting rates from direct companies, and also from local exclusive and independent agents.
The next list is a brief summary of the concepts that were covered in the charts and tables above.
- Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,570 more each year to buy Nissan Versa Note insurance
- Drivers age 20 and younger pay the highest rates, as much as $426 each month if they have full coverage
- You may be able to save as much as $160 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save as much as $475 each year
- You may be able to save as much as $160 per year simply by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,112 |
| 20 | $3,094 |
| 30 | $1,382 |
| 40 | $1,334 |
| 50 | $1,220 |
| 60 | $1,196 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,654 |
| $250 | $1,504 |
| $500 | $1,334 |
| $1,000 | $1,170 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,334 |
| 50/100 | $1,424 |
| 100/300 | $1,537 |
| 250/500 | $1,831 |
| 100 CSL | $1,470 |
| 300 CSL | $1,718 |
| 500 CSL | $1,899 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,280 |
| 20 | $4,934 |
| 30 | $2,952 |
| 40 | $2,900 |
| 50 | $2,770 |
| 60 | $2,746 |
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 | $21 |
| 5-yr Accident Free | $96 |
| 5-yr Claim Free | $87 |
| Paid in Full/EFT | $59 |
| Advance Quote | $66 |
| Online Quote | $94 |
| Total Discounts | $566 |
Discounts are estimated and may not be available from every company or in every state.
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