Nissan Versa Note Insurance Rates
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UPDATED: Apr 22, 2024
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The average insurance rates for a Nissan Versa Note are $1,300 a year for full coverage insurance. Comprehensive costs an estimated $240, collision costs $446, and liability insurance costs around $456. Buying just liability costs as low as $508 a year, with insurance for high-risk drivers costing around $2,826. Teen drivers cost the most to insure at $5,010 a year or more.
Average premium for full coverage: $1,300
Policy rates broken down by type of insurance:
Rate estimates include $500 deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for all Versa Note models.
Price Range Variability
For the average 40-year-old driver, Nissan Versa Note insurance rates go from as low as $508 for basic liability insurance to the much higher price of $2,826 for a high-risk insurance policy.
Urban vs. Rural Price Range
Where you live has a significant impact on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than larger metro areas.
The example below illustrates the difference location can make on insurance prices.
The examples above illustrate why everyone should compare prices for a targeted area and risk profile, rather than relying on price 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.
Rate Comparisons
The chart below illustrates estimated Nissan Versa Note insurance rates for other coverage scenarios.
- The lowest rate with discounts is $752
- Using higher $1,000 deductibles will save approximately $156 each year
- The average rate for a good driver age 40 who has $500 deductibles is $1,300
- Choosing pricier low deductibles for physical damage coverage will increase the cost to $1,604
- Drivers with multiple violations and an at-fault accident could pay up to $2,826 or more
- Policy cost for full coverage for a teen driver for full coverage can cost as much as $5,010 or more
Insurance rates for a Nissan Versa Note also range considerably based on your risk profile, the model year and trim level, and liability limits and deductibles.
A more mature driver with a clean driving record and high deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay at least $5,000 a year. View Rates by Age
Your home state has a huge impact on Nissan Versa Note insurance rates. A driver around age 40 might see rates as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,760 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,176 | -$124 | -9.5% |
| Alaska | $998 | -$302 | -23.2% |
| Arizona | $1,078 | -$222 | -17.1% |
| Arkansas | $1,300 | -$0 | 0.0% |
| California | $1,482 | $182 | 14.0% |
| Colorado | $1,242 | -$58 | -4.5% |
| Connecticut | $1,336 | $36 | 2.8% |
| Delaware | $1,472 | $172 | 13.2% |
| Florida | $1,628 | $328 | 25.2% |
| Georgia | $1,200 | -$100 | -7.7% |
| Hawaii | $934 | -$366 | -28.2% |
| Idaho | $878 | -$422 | -32.5% |
| Illinois | $968 | -$332 | -25.5% |
| Indiana | $978 | -$322 | -24.8% |
| Iowa | $878 | -$422 | -32.5% |
| Kansas | $1,236 | -$64 | -4.9% |
| Kentucky | $1,774 | $474 | 36.5% |
| Louisiana | $1,924 | $624 | 48.0% |
| Maine | $804 | -$496 | -38.2% |
| Maryland | $1,072 | -$228 | -17.5% |
| Massachusetts | $1,040 | -$260 | -20.0% |
| Michigan | $2,260 | $960 | 73.8% |
| Minnesota | $1,088 | -$212 | -16.3% |
| Mississippi | $1,556 | $256 | 19.7% |
| Missouri | $1,152 | -$148 | -11.4% |
| Montana | $1,398 | $98 | 7.5% |
| Nebraska | $1,024 | -$276 | -21.2% |
| Nevada | $1,558 | $258 | 19.8% |
| New Hampshire | $936 | -$364 | -28.0% |
| New Jersey | $1,454 | $154 | 11.8% |
| New Mexico | $1,152 | -$148 | -11.4% |
| New York | $1,370 | $70 | 5.4% |
| North Carolina | $750 | -$550 | -42.3% |
| North Dakota | $1,064 | -$236 | -18.2% |
| Ohio | $898 | -$402 | -30.9% |
| Oklahoma | $1,336 | $36 | 2.8% |
| Oregon | $1,192 | -$108 | -8.3% |
| Pennsylvania | $1,240 | -$60 | -4.6% |
| Rhode Island | $1,736 | $436 | 33.5% |
| South Carolina | $1,176 | -$124 | -9.5% |
| South Dakota | $1,096 | -$204 | -15.7% |
| Tennessee | $1,138 | -$162 | -12.5% |
| Texas | $1,566 | $266 | 20.5% |
| Utah | $964 | -$336 | -25.8% |
| Vermont | $892 | -$408 | -31.4% |
| Virginia | $780 | -$520 | -40.0% |
| Washington | $1,004 | -$296 | -22.8% |
| West Virginia | $1,192 | -$108 | -8.3% |
| Wisconsin | $902 | -$398 | -30.6% |
| Wyoming | $1,160 | -$140 | -10.8% |
Choosing high deductibles could cut rates by as much as $460 each year, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $411 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 are probably paying $1,600 to $2,200 extra every year, depending on your age. Nissan Versa Note insurance for high-risk drivers can be anywhere from 44% to 137% more than average. View High Risk Driver Rates
Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to regularly compare rates from as many companies as possible. Each insurance company uses a different rate calculation, so the rates will be varied from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Nissan Versa Note | $240 | $446 | $456 | $1,300 |
| 2018 Nissan Versa Note | $230 | $400 | $460 | $1,248 |
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 Find the Best Nissan Versa Note Insurance
Finding cheaper rates on Nissan Versa Note insurance requires not taking risks behind the wheel, maintaining good credit, being claim-free, and taking advantage of discounts. Make time to compare rates at least every other year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following is a brief recap of the car insurance concepts touched on in this article.
- High-risk drivers who tend to receive serious violations pay on average $1,530 more annually for Versa Note insurance
- It is possible to save approximately $150 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save around $450 each year
- Drivers who want higher liability limits will pay about $500 annually to increase from a 30/60 limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,010 |
| 20 | $3,016 |
| 30 | $1,344 |
| 40 | $1,300 |
| 50 | $1,190 |
| 60 | $1,166 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,604 |
| $250 | $1,462 |
| $500 | $1,300 |
| $1,000 | $1,144 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,300 |
| 50/100 | $1,391 |
| 100/300 | $1,505 |
| 250/500 | $1,802 |
| 100 CSL | $1,437 |
| 300 CSL | $1,688 |
| 500 CSL | $1,870 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,128 |
| 20 | $4,808 |
| 30 | $2,874 |
| 40 | $2,826 |
| 50 | $2,702 |
| 60 | $2,678 |
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 | $69 |
| Multi-vehicle | $70 |
| Homeowner | $21 |
| 5-yr Accident Free | $93 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $57 |
| Advance Quote | $63 |
| Online Quote | $91 |
| Total Discounts | $548 |
Discounts are estimated and may not be available from every company or in every state.
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