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 for full coverage insurance. Comprehensive insurance costs an estimated $268, collision costs $542, and liability coverage costs around $390. Buying just liability costs as low as $452 a year, with insurance for high-risk drivers costing $2,950 or more. 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 broken down by type of insurance:

Rates are based on $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for different Versa trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than congested cities.

The price range example below illustrates the difference location can make on insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare prices for a targeted area, rather than using rate averages.

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

Detailed Rate Analysis

The chart below illustrates estimated Nissan Versa insurance rates for other coverage scenarios.

• The best full coverage rate is $777
• Using higher $1,000 deductibles will save approximately $184 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,358
• Buying more expensive low deductibles for physical damage coverage will cost an additional $356 each year
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,950 or more
• Policy cost that insures a teenage driver with full coverage can cost as much as $5,108 or more

View Chart as Image

Insurance rates for a Nissan Versa also range considerably based on the model year and trim level, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance can be around 43% to 131% more than the average rate. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay at least $5,100 a year. View Rates by Age

Your home state has a huge impact on Nissan Versa insurance rates. A driver around age 40 might see rates as low as $890 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,830 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $540 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $351 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates and see how they stack up. Each insurance company utilizes a different rate formula, so the 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 the Best Cheap Nissan Versa Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and claims, having above-average credit, being claim-free, and taking advantage of discounts. Comparison shop at every policy renewal by getting quotes from direct insurance companies, and also from local insurance agencies.

The points below are a quick review of the data touched on in this article.

• Consumers who want increased liability limits will pay around $430 annually to increase from a 30/60 limit to the 250/500 level
• It is possible to save approximately $160 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $550 each year
• Drivers under the age of 20 are charged the highest rates, possibly costing $426 each month if full coverage is included

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.