Nissan Versa Note Insurance Rates
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Michelle Robbins
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UPDATED: Apr 22, 2024
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U.S. average insurance rates for a Nissan Versa Note are $1,300 a year for full coverage insurance. Comprehensive costs approximately $240, collision costs $446, and liability is $456. Liability-only insurance costs around $508 a year, with high-risk driver insurance costing around $2,826. Teenage drivers pay the highest rates at $5,010 a year or more.
Average premium for full coverage: $1,300
Price estimates by individual coverage:
Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for different Versa Note trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Nissan Versa Note insurance prices go from as low as $508 for just liability coverage to a much higher rate of $2,826 for a driver who has had serious violations or accidents.
Geographic Price Range
Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than densely populated cities.
The price range example below illustrates how rural and urban location affects auto insurance prices.
The ranges above illustrate why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, instead of making a decision based on average rates.
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.
Detailed Rate Analysis
The chart below illustrates estimated Nissan Versa Note insurance rates for additional coverage and risk scenarios.
- The best discount rate is $752
- Raising to $1,000 deductibles will save $156 each year
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,300
- Using more expensive low deductibles will increase the cost to $1,604
- Drivers who are prone to accidents and violations could pay around $2,826 or more
- The price for full coverage for a 16-year-old driver with full coverage can cost $5,010
Car insurance prices for a Nissan Versa Note are also quite variable based on your driving record, the model year and trim level, and physical damage deductibles and liability limits.
An older driver with no driving violations and high deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged in the ballpark of $5,000 a year. View Rates by Age
The state you live in also has a big influence on Nissan Versa Note insurance prices. A middle-age driver might find prices as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay 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% |
Using high physical damage deductibles can reduce prices by up to $460 annually, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying anywhere from $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 137% more than a normal policy. View High Risk Driver Rates
Since prices can be so different, the only way to figure out who has the best car insurance prices is to compare prices from multiple companies. Every auto insurance company uses a different method to calculate prices, so rate quotes may be quite different 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
Getting lower rates on insurance for a Nissan Versa Note consists of being a good driver, having above-average credit, not filing small claims, and avoiding coverage lapses. Set aside time to shop around every other policy renewal by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The following list is a brief recap of the ideas that were raised in the charts and tables above.
- Drivers age 16 to 20 pay the highest auto insurance prices, as much as $418 a month if full coverage is included
- Drivers considered higher risk who tend to receive serious violations may pay on average $1,530 more per year than a safer driver
- Increasing physical damage deductibles can save around $450 each year
- It is possible to save around $150 per year simply by shopping early and online
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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