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 $1,358 a year including full coverage. Comprehensive costs on average $268, collision costs $542, and liability costs around $390. Liability-only insurance costs as low as $452 a year, with high-risk driver insurance costing around $2,950. 16-year-old drivers cost the most to insure at $5,108 a year or more.

Average premium for full coverage: $1,358

Policy rates by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Versa models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than congested cities.

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

The examples above highlight why everyone should compare prices based on a specific location, instead of using rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $777
• Using higher $1,000 deductibles will save around $184 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,358
• Buying pricier low deductibles for physical damage coverage bumps up the cost to $1,714
• Drivers with multiple tickets or accidents could pay upwards of $2,950 or more
• Policy cost that insures a teen driver for full coverage may cost $5,108 or more

View Chart as Image

Auto insurance rates for a Nissan Versa also range considerably based on the model of your Versa, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,600 to $2,200 in extra premium every year, depending on your age. Nissan Versa insurance for high-risk drivers can be as much as 43% to 131% more than the average rate. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may 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 will have to pay upwards of $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 $1,040 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,940 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $540 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $351 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out exactly what you will pay is to regularly compare rates and see which company has the best rate. Each insurance company utilizes a different rate formula, and quoted 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 Cheaper Nissan Versa Insurance

Finding cheaper rates on car insurance requires having a decent driving record, maintaining a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Comparison shop at least once a year by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.

The following items are a condensed summary of the primary concepts that were presented in the illustrations above.

• You may be able to save as much as $160 per year simply by quoting online well ahead of the renewal date
• Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,590 more each year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save approximately $550 each year
• 16 to 18-year-old drivers are charged the highest rates, with premiums being up to $426 each month if the policy includes full coverage

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.