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 insurance costs approximately $256, collision costs $536, and liability insurance costs $398. Buying just liability costs as little as $460 a year, with insurance for high-risk drivers costing $2,942 or more. Teen 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:

Full coverage includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and for all Versa models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than larger metro areas.

The example below illustrates how where you live affects auto insurance prices.

The examples above show why everyone should compare rates using their specific location and risk profile, rather than relying on price averages.

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

Rates by State, City, and Model

The chart below shows estimated Nissan Versa insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $770
• Drivers who choose higher $1,000 deductibles will pay $178 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,348
• Choosing pricier low deductibles for comprehensive and collision insurance will cost an extra $354 a year
• High risk drivers with multiple violations and an at-fault accident could pay around $2,942 or more
• Policy cost for full coverage for a teen driver for full coverage can cost $5,118 a year

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 physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay in the ballpark of $5,100 a year. View Rates by Age

Your home state makes a big difference in Nissan Versa insurance rates. A 40-year-old driver could pay as low as $890 a year in states like Iowa, Maine, and Idaho, or as much as $1,930 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $540 each year, whereas buying more liability protection will push rates upward. 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 anywhere from $1,600 to $2,200 extra every year, depending on your age. Nissan Versa insurance for high-risk drivers can cost anywhere from 43% to 132% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to regularly compare rates from as many companies as possible. Every company uses a different rate calculation, so the rates will be varied from one company to the next.

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 More Affordable Nissan Versa Insurance

Finding cheaper rates on Nissan Versa insurance not only requires having a decent driving record, but also maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop every other policy renewal by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following items are a summary of the ideas that were touched on in the above illustrations.

• 16 to 18-year-old drivers are expensive to insure, costing up to $427 each month for full coverage
• High-risk drivers who have multiple accidents or major violations may pay on average $1,590 more per year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save around $525 each year
• Drivers can save around $160 per year simply by quoting online well ahead of the renewal date

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.