Nissan Versa Insurance Rates

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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.

Average auto insurance rates for a Nissan Versa are $1,348 annually with full coverage. Comprehensive costs approximately $256, collision insurance costs $536, and liability is $398. A liability-only policy costs around $460 a year, and high-risk insurance costs around $2,942. 16-year-old drivers receive the highest rates at up to $5,118 a year.

Average premium for full coverage: $1,348

Rate estimates by individual coverage type:

Comprehensive $256
Collision $536
Liability $398

Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and for all Versa models.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range range from as cheap as $460 for a discount liability-only rate to the much higher price of $2,942 for a driver required to buy high-risk insurance.

Liability Only $460
Full Coverage $1,348
High Risk $2,942

Price Range by Location

Choosing to live in a large city can have significant affects on the price of insurance. Rural locations tend to have fewer collision claims than congested cities. The example below illustrates how where you live affects auto insurance prices.

Rural Areas $1,011
Small Cities $1,415
Large Cities $1,820

These examples demonstrate why everyone should compare rates quotes using their specific location and their own personal driving habits, instead of 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.

Rates by State, City, and Model

The chart below details average Nissan Versa insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $770
  • Raising to $1,000 deductibles will save $178 annually
  • The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,348
  • Buying pricier low deductibles will cost $1,702
  • At-risk drivers with multiple tickets or accidents could pay around $2,942
  • The cost with full coverage for a teen driver for full coverage can cost $5,118

View Chart as Image

Nissan Versa insurance cost comparison chart
Column chart showing Nissan Versa insurance rates range from $770 to $5,118 for full coverage

Insurance rates for a Nissan Versa can also vary considerably based on the trim level of your Versa, your driving record, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high physical damage deductibles may pay as little as $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay in the ballpark of $5,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $1,600 to $2,200 extra per year, depending on your age. Nissan Versa insurance for high-risk drivers is expensive and can cost as much as 43% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $540 every year, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $358 more per year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Nissan Versa insurance prices. A middle-age driver might find rates as low as $970 a year in states like Utah, Ohio, and New Hampshire, or at least $1,820 on average in New York, Michigan, and Florida.

Nissan Versa Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,220 -$128 -9.5%
Alaska $1,036 -$312 -23.1%
Arizona $1,120 -$228 -16.9%
Arkansas $1,348 -$0 0.0%
California $1,538 $190 14.1%
Colorado $1,290 -$58 -4.3%
Connecticut $1,390 $42 3.1%
Delaware $1,528 $180 13.4%
Florida $1,688 $340 25.2%
Georgia $1,246 -$102 -7.6%
Hawaii $970 -$378 -28.0%
Idaho $914 -$434 -32.2%
Illinois $1,008 -$340 -25.2%
Indiana $1,016 -$332 -24.6%
Iowa $912 -$436 -32.3%
Kansas $1,284 -$64 -4.7%
Kentucky $1,842 $494 36.6%
Louisiana $1,998 $650 48.2%
Maine $834 -$514 -38.1%
Maryland $1,112 -$236 -17.5%
Massachusetts $1,080 -$268 -19.9%
Michigan $2,346 $998 74.0%
Minnesota $1,130 -$218 -16.2%
Mississippi $1,618 $270 20.0%
Missouri $1,198 -$150 -11.1%
Montana $1,450 $102 7.6%
Nebraska $1,064 -$284 -21.1%
Nevada $1,620 $272 20.2%
New Hampshire $972 -$376 -27.9%
New Jersey $1,510 $162 12.0%
New Mexico $1,198 -$150 -11.1%
New York $1,422 $74 5.5%
North Carolina $778 -$570 -42.3%
North Dakota $1,106 -$242 -18.0%
Ohio $934 -$414 -30.7%
Oklahoma $1,388 $40 3.0%
Oregon $1,238 -$110 -8.2%
Pennsylvania $1,288 -$60 -4.5%
Rhode Island $1,802 $454 33.7%
South Carolina $1,224 -$124 -9.2%
South Dakota $1,138 -$210 -15.6%
Tennessee $1,182 -$166 -12.3%
Texas $1,628 $280 20.8%
Utah $1,000 -$348 -25.8%
Vermont $924 -$424 -31.5%
Virginia $808 -$540 -40.1%
Washington $1,044 -$304 -22.6%
West Virginia $1,238 -$110 -8.2%
Wisconsin $936 -$412 -30.6%
Wyoming $1,202 -$146 -10.8%

View Chart as Image

Nissan Versa insurance rates by U.S. city

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 $1,180 $98
Nissan Versa 1.8 S Hatchback $1,336 $111
Nissan Versa 1.8 S SEDAN $1,336 $111
Nissan Versa 1.8 SL Hatchback $1,464 $122
Nissan Versa 1.8 SL SEDAN $1,464 $122

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 $268 $542 $390 $1,358
2023 Nissan Versa $256 $536 $398 $1,348
2022 Nissan Versa $248 $524 $416 $1,346
2021 Nissan Versa $240 $502 $430 $1,330
2020 Nissan Versa $226 $484 $442 $1,310
2019 Nissan Versa $218 $450 $452 $1,278
2018 Nissan Versa $208 $424 $456 $1,246
2017 Nissan Versa $200 $380 $460 $1,198
2016 Nissan Versa $188 $350 $460 $1,156
2015 Nissan Versa $180 $328 $464 $1,130
2014 Nissan Versa $176 $306 $474 $1,114
2013 Nissan Versa $164 $284 $474 $1,080
2012 Nissan Versa $158 $258 $478 $1,052
2011 Nissan Versa $148 $236 $474 $1,016
2009 Nissan Versa $134 $192 $468 $952
2008 Nissan Versa $132 $188 $460 $938
2007 Nissan Versa $130 $178 $452 $918

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 Buy the Best Nissan Versa Insurance

Saving money on car insurance consists of being safe and accident-free, having a good credit history, eliminating unnecessary coverage, and possibly raising deductibles. Take the time to comparison shop at every policy renewal by requesting quotes from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.

Below you'll find a brief recap of the data touched on in the above illustrations.

  • Policyholders who purchase more liability protection will pay around $440 every year to raise from a minimum limit to higher 250/500 limits
  • You may be able to save around $160 per year just by quoting online well ahead of the renewal date
  • Increasing deductibles could save up to $525 each year
  • Youthful drivers are expensive to insure, with premiums as much as $427 per month including comprehensive and collision insurance

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 $5,118
20 $3,156
30 $1,408
40 $1,348
50 $1,236
60 $1,212

Full coverage, $500 deductibles

Rates by Deductible

Nissan Versa Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,702
$250 $1,538
$500 $1,348
$1,000 $1,170

Full coverage, driver age 40

Rates by Liability Limit

Nissan Versa Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,348
50/100 $1,544
100/300 $1,643
250/500 $1,902
100 CSL $1,583
300 CSL $1,802
500 CSL $1,962

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan Versa Insurance Rates for High Risk Drivers
Age Premium
16 $7,300
20 $5,022
30 $3,004
40 $2,942
50 $2,810
60 $2,786

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 $71
Multi-vehicle $72
Homeowner $20
5-yr Accident Free $101
5-yr Claim Free $88
Paid in Full/EFT $63
Advance Quote $68
Online Quote $95
Total Discounts $578
Rate after discounts $770

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

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