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 $1,348 a year for full coverage. Comprehensive costs approximately $256, collision costs $536, and liability costs $398. A liability-only policy costs as little as $460 a year, with high-risk insurance costing around $2,942. Teen drivers cost the most to insure at $5,118 a year or more.

Average premium for full coverage: $1,348

Policy rates by type of insurance:

These estimates include $500 deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for all Versa models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Rural locations are shown to have lower incidents of accident claims than larger metro areas.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above show why everyone should compare rates using their specific location, instead of making a decision based on price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $770
• Drivers who choose higher $1,000 deductibles will pay $178 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,348
• Choosing pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,702
• Drivers with multiple violations and an at-fault accident could pay around $2,942 or more
• Policy cost that insures a 16-year-old driver for full coverage can cost $5,118 a year

View Chart as Image

Car insurance rates for a Nissan Versa also range considerably based on the model of your Versa, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,600 to $2,200 extra every year, depending on your age. Nissan Versa insurance for high-risk drivers can cost from 43% to 132% more than average. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged in the ballpark of $5,100 a year. View Rates by Age

Your home state makes a big difference in Nissan Versa insurance prices. A 40-year-old driver could pay as low as $890 a year in states like Iowa, Maine, and Idaho, or as much as $1,930 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $540 annually, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to regularly compare rates from multiple companies. Every company uses a different rate calculation, so rate quotes 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 Cheap Nissan Versa Insurance

Finding cheaper rates on insurance for a Nissan Versa not only requires not taking risks behind the wheel, but also having a positive credit history, avoid buying unnecessary coverage, and avoiding coverage lapses. Shop around every time your policy renews by getting rate quotes from direct carriers, and also from insurance agencies where you live.

The following is a brief summary of the information covered above.

• Drivers can save around $160 per year simply by quoting online well ahead of the renewal date
• Teens pay the highest auto insurance rates, costing up to $427 each month if full coverage is purchased
• Increasing comprehensive and collision deductibles can save approximately $525 each year
• Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,590 more per year for Versa insurance
• Insureds who purchase higher liability limits will pay about $440 each year to go from a 30/60 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.

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.