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.

Estimated insurance prices for a Nissan Versa are $1,348 every 12 months for full coverage insurance. Comprehensive costs on average $256 each year, collision costs $536, and liability costs around $398. Liability-only coverage costs as low as $460 a year, with high-risk coverage costing around $2,942. Teenage drivers pay the most at $5,118 a year or more.

Average premium for full coverage: $1,348

Premium estimates by type of coverage:

Rate estimates include $500 physical damage deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and Versa models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than densely populated cities.

The graphic below illustrates the difference location can make on car insurance rates.

These rate differences illustrate why all drivers should compare prices based on a specific location and their own driving history, instead of using average rates.

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

Additional Rate Details

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

• The best discount rate is $770
• Using higher $1,000 deductibles will save around $178 each year
• The average price for a 40-year-old good driver with $500 deductibles is $1,348
• Using low deductibles for physical damage coverage increases the price to $1,702
• Drivers who are prone to accidents and violations could pay upwards of $2,942 or more
• An auto insurance policy to insure a teen driver may cost $5,118 or more

View Chart as Image

Insurance prices for a Nissan Versa also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your Versa.

Using high physical damage deductibles could cut prices by as much as $540 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $358 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay upwards of $5,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,600 to $2,200 extra annually, depending on your age. Insurance for high-risk drivers can be as much as 43% to 132% more than a normal policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Nissan Versa insurance prices. A driver around age 40 might see prices as low as $880 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,820 on average in Michigan, New York, and Florida.

View Chart as Image

With such a large range in prices, the only way to figure out exactly what you will pay is to do a rate comparison and see which company has the best price. Each insurance company uses a different method to calculate prices, so the prices will be substantially different.

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 Shop for the Best Nissan Versa Insurance

Finding better rates on car insurance requires being a safe and courteous driver, having good credit, paying for small claims out-of-pocket, and bundling your home and auto policies. Make time to compare rates once a year by getting rate quotes from direct insurance companies, and also from several local insurance agents.

Below is a brief recap of the data that was touched on in this article.

• It is possible to save as much as $160 per year simply by quoting online in advance
• Policyholders who require higher levels of liability will pay an extra $440 annually to increase from 30/60 bodily injury limits to a 250/500 level
• Teenage drivers pay the highest prices, with premiums being up to $427 per month if they have full coverage
• Higher risk drivers who tend to receive serious violations pay on average $1,590 more each year for auto insurance

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.