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.

U.S. average insurance prices for a Nissan Versa are $1,348 every 12 months including full coverage. Comprehensive costs on average $256, collision costs $536, and liability is $398. Liability-only coverage costs around $460 a year, with high-risk coverage costing around $2,942. Teenage drivers pay the highest rates at $5,118 a year or more.

Average premium for full coverage: $1,348

Price estimates by individual coverage:

Estimates include $500 deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Versa trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than densely populated cities.

The price range example below illustrates how where you live affects car insurance rates.

The ranges above highlight why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, instead of making a decision based on average rates.

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

More Rate Information

The chart below breaks down estimated Nissan Versa insurance rates for different risk profiles and scenarios.

• The best discount rate is $770
• Raising to $1,000 deductibles will save around $178 every year
• The average price for the average middle-age driver with $500 deductibles is $1,348
• Using more expensive low deductibles increases the price to $1,702
• Drivers who are prone to accidents and violations could pay upwards of $2,942 or more
• The price to insure a 16-year-old driver with full coverage may cost $5,118

View Chart as Image

Auto insurance prices for a Nissan Versa are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your Versa.

Using high physical damage deductibles can reduce prices by up to $540 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $358 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as low as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay upwards of $5,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,600 to $2,200 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 132% more than a normal policy. View High Risk Driver Rates

The state you live in also has a big influence on Nissan Versa insurance prices. A middle-age driver might find prices as low as $1,040 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,930 on average in Michigan, New York, and Louisiana.

View Chart as Image

Since prices can be so different, the best way to figure out exactly what you will pay is to compare prices from multiple companies. Every auto insurance company uses a different method to calculate prices, and quoted prices may be quite different.

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 Shop for Low Cost Nissan Versa Insurance

Getting lower rates on insurance for a Nissan Versa consists of not taking risks behind the wheel, having a good credit score, being claim-free, and taking advantage of discounts. Take the time to comparison shop once a year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following is a review of the data that was touched on in the above illustrations.

• You may be able to save as much as $160 per year simply by shopping early and online
• Insureds who require higher liability limits will pay an extra $440 per year to raise from a low limit to a 250/500 level
• Teens are charged the highest prices, possibly costing $427 a month if comprehensive and collision insurance is included
• Drivers considered higher risk who have several accidents or serious violations may pay on average $1,590 more each year for Versa 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.

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.