Nissan Versa Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 22, 2024

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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.

U.S. average insurance rates for a Nissan Versa are $1,358 a year for full coverage insurance. Comprehensive insurance costs approximately $268, collision costs $542, and liability coverage is $390. A policy with just liability insurance costs around $452 a year, with coverage for high-risk drivers costing $2,950 or more. 16-year-old drivers pay the highest rates at $5,108 a year or more.

Average premium for full coverage: $1,358

Price estimates by individual coverage:

Comprehensive $268
Collision $542
Liability $390

Prices are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for all Versa models.

Price Range from Low to High

For a driver in their 40's, Nissan Versa insurance prices go from the low end price of $452 for just liability coverage to the much higher price of $2,950 for a high-risk insurance policy.

Liability Only $452
Full Coverage $1,358
High Risk $2,950

Geographic Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations have lower incidents of physical damage claims than congested cities.

The example below illustrates how location helps determine auto insurance prices.

Rural Areas $1,019
Small Cities $1,426
Large Cities $1,833

The ranges above illustrate why everyone should compare rates quotes using their specific location, rather than using rate 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.

Detailed Rate Analysis

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

  • The best full coverage rate is $777
  • Raising to $1,000 deductibles will save $184 each year
  • The estimated price for the average middle-age driver who chooses $500 deductibles is $1,358
  • Buying pricier low deductibles will cost an additional $356 each year
  • Unlucky drivers with multiple tickets or accidents could pay around $2,950 or more
  • The price that insures a teenage driver for full coverage can cost $5,108

View Chart as Image

Nissan Versa insurance cost comparison chart
Column chart showing full coverage Nissan Versa insurance prices range from $777 to $5,108

Insurance prices for a Nissan Versa are also quite variable based on the model of your Versa, your age and driving record, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,600 to $2,200 extra each year, depending on your age. Nissan Versa insurance for high-risk drivers is expensive and can cost around 43% to 131% more than the average rate. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $5,100 a year. View Rates by Age

The state you live in also has a big influence on Nissan Versa insurance rates. A middle-age driver might find prices 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.

Nissan Versa Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,226 -$132 -9.7%
Alaska $1,040 -$318 -23.4%
Arizona $1,126 -$232 -17.1%
Arkansas $1,358 -$0 0.0%
California $1,544 $186 13.7%
Colorado $1,296 -$62 -4.6%
Connecticut $1,394 $36 2.7%
Delaware $1,536 $178 13.1%
Florida $1,698 $340 25.0%
Georgia $1,254 -$104 -7.7%
Hawaii $974 -$384 -28.3%
Idaho $918 -$440 -32.4%
Illinois $1,012 -$346 -25.5%
Indiana $1,022 -$336 -24.7%
Iowa $916 -$442 -32.5%
Kansas $1,290 -$68 -5.0%
Kentucky $1,850 $492 36.2%
Louisiana $2,010 $652 48.0%
Maine $836 -$522 -38.4%
Maryland $1,118 -$240 -17.7%
Massachusetts $1,086 -$272 -20.0%
Michigan $2,358 $1,000 73.6%
Minnesota $1,134 -$224 -16.5%
Mississippi $1,624 $266 19.6%
Missouri $1,204 -$154 -11.3%
Montana $1,458 $100 7.4%
Nebraska $1,070 -$288 -21.2%
Nevada $1,626 $268 19.7%
New Hampshire $976 -$382 -28.1%
New Jersey $1,516 $158 11.6%
New Mexico $1,202 -$156 -11.5%
New York $1,430 $72 5.3%
North Carolina $782 -$576 -42.4%
North Dakota $1,110 -$248 -18.3%
Ohio $938 -$420 -30.9%
Oklahoma $1,394 $36 2.7%
Oregon $1,244 -$114 -8.4%
Pennsylvania $1,296 -$62 -4.6%
Rhode Island $1,810 $452 33.3%
South Carolina $1,230 -$128 -9.4%
South Dakota $1,144 -$214 -15.8%
Tennessee $1,190 -$168 -12.4%
Texas $1,636 $278 20.5%
Utah $1,004 -$354 -26.1%
Vermont $928 -$430 -31.7%
Virginia $812 -$546 -40.2%
Washington $1,048 -$310 -22.8%
West Virginia $1,244 -$114 -8.4%
Wisconsin $940 -$418 -30.8%
Wyoming $1,210 -$148 -10.9%

View Chart as Image

Nissan Versa insurance rates by U.S. city

Opting for high physical damage deductibles can reduce prices by up to $540 a year, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $351 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out who has the best car insurance prices is to regularly compare prices and see how they stack up. Every auto insurance company utilizes a different rate formula, so the prices may be quite different.

Insurance Rates by Trim Level and Model Year

Nissan Versa Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Nissan Versa 1.6 SEDAN $1,186 $99
Nissan Versa 1.8 S Hatchback $1,344 $112
Nissan Versa 1.8 S SEDAN $1,344 $112
Nissan Versa 1.8 SL Hatchback $1,472 $123
Nissan Versa 1.8 SL SEDAN $1,472 $123

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.

Nissan Versa Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Nissan Versa $280 $562 $372 $1,372
2023 Nissan Versa $268 $542 $390 $1,358
2022 Nissan Versa $256 $536 $398 $1,348
2021 Nissan Versa $248 $524 $416 $1,346
2020 Nissan Versa $240 $502 $430 $1,330
2019 Nissan Versa $226 $484 $442 $1,310
2018 Nissan Versa $218 $450 $452 $1,278
2017 Nissan Versa $208 $424 $456 $1,246
2016 Nissan Versa $200 $380 $460 $1,198
2015 Nissan Versa $188 $350 $460 $1,156
2014 Nissan Versa $180 $328 $464 $1,130
2013 Nissan Versa $176 $306 $474 $1,114
2012 Nissan Versa $164 $284 $474 $1,080
2011 Nissan Versa $158 $258 $478 $1,052
2009 Nissan Versa $140 $214 $474 $986
2008 Nissan Versa $134 $192 $468 $952
2007 Nissan Versa $132 $188 $460 $938

Rates are averaged for all Nissan Versa 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 Affordable Nissan Versa Insurance

Getting lower rates on auto insurance consists of avoiding accidents and violations, having above-average credit, not filing small claims, and maximizing policy discounts. Comparison shop at least every other year by requesting quotes from direct insurance companies, and also from your local car insurance providers.

The list below is a brief review of the car insurance concepts covered in the charts and tables above.

  • Drivers with DUI or reckless driving convictions could be charged and average of $1,590 more per year for car insurance
  • It is possible to save around $160 per year simply by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles can save approximately $550 each year
  • Consumers who purchase higher liability limits will pay around $430 annually to raise from a low limit to the 250/500 level

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.

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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.

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.

Rates by Driver Age

Nissan Versa Insurance Rates by Driver Age
Driver Age Premium
16 $5,108
20 $3,160
30 $1,414
40 $1,358
50 $1,242
60 $1,218

Full coverage, $500 deductibles

Rates by Deductible

Nissan Versa Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,714
$250 $1,546
$500 $1,358
$1,000 $1,174

Full coverage, driver age 40

Rates by Liability Limit

Nissan Versa Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,358
50/100 $1,550
100/300 $1,648
250/500 $1,901
100 CSL $1,589
300 CSL $1,804
500 CSL $1,960

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan Versa Insurance Rates for High Risk Drivers
Age Premium
16 $7,290
20 $5,030
30 $3,012
40 $2,950
50 $2,816
60 $2,792

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.

SR-22 Surcharge $192

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $72
Multi-vehicle $72
Homeowner $20
5-yr Accident Free $102
5-yr Claim Free $88
Paid in Full/EFT $63
Advance Quote $68
Online Quote $96
Total Discounts $581
Rate after discounts $777

Discounts are estimated and may not be available from every company or in every state.

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