Buy Cheap Nissan Versa Auto Insurance in 2024
Average Nissan Versa insurance rates cost $114 per month ($1,372 per year). On average, comprehensive coverage costs $334, collision coverage costs $488, and liability coverage costs $387 for Nissan Versa insurance.
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UPDATED: Jul 15, 2021
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Key takeaways:
- Full coverage costs around $1,372 a year or $114 each month
- A liability-only policy costs around $550 a year or $46 each month
- Highest rates are for teenage drivers at around $5,015 a year or $418 each month
- Good drivers can save as much as $566 a year by earning policy discounts
- Nissan Versa insurance costs around $147 less per year than the average vehicle
There’s no need to stress about Nissan Versa insurance rates ruining your budget. Nissan Versa insurance costs around $147 less per year than the average vehicle. Learn what drivers can do to save on Nissan Versa insurance rates by reading our guide.
You can start comparing quotes for Nissan Versa car insurance rates from some of the best car insurance companies by using our free online tool now.
Nissan Versa Insurance Cost
The average auto insurance rates for a Nissan Versa cost $1,372 a year or $114 a month.
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Are Nissan Versas Expensive to Insure?
The chart below details how Nissan Versa insurance rates compare to other sedans like the Chevrolet Cruze, Subaru Impreza, and Dodge Charger.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Nissan Versa | $280 | $562 | $372 | $1,372 |
| Chevrolet Cruze | $308 | $594 | $372 | $1,432 |
| Subaru Impreza | $320 | $542 | $390 | $1,410 |
| Dodge Charger | $376 | $626 | $466 | $1,668 |
| Chevrolet Malibu | $322 | $532 | $372 | $1,384 |
| Subaru Legacy | $370 | $506 | $338 | $1,350 |
| Chrysler 300 | $332 | $626 | $398 | $1,514 |
However, there are a few things you can do to find the cheapest Nissan insurance rates online.
What Impacts the Cost of Nissan Versa Insurance?
The Nissan Versa trim and model you choose will affect the total price you will pay for Nissan Versa insurance coverage.
Age of the Vehicle
Older Nissan Versa models generally cost less to insure. For example, car insurance rates for a 2020 Nissan Versa are $1,372, while 2010 Nissan Versa rates are $1,130, a difference of $242.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2020 Nissan Versa | $280 | $562 | $372 | $1,372 |
| 2019 Nissan Versa | $268 | $542 | $390 | $1,358 |
| 2018 Nissan Versa | $256 | $536 | $398 | $1,348 |
| 2017 Nissan Versa | $248 | $524 | $416 | $1,346 |
| 2016 Nissan Versa | $240 | $502 | $430 | $1,330 |
| 2015 Nissan Versa | $226 | $484 | $442 | $1,310 |
| 2014 Nissan Versa | $218 | $450 | $452 | $1,278 |
| 2013 Nissan Versa | $208 | $424 | $456 | $1,246 |
| 2012 Nissan Versa | $200 | $380 | $460 | $1,198 |
| 2011 Nissan Versa | $188 | $350 | $460 | $1,156 |
| 2010 Nissan Versa | $180 | $328 | $464 | $1,130 |
Driver Age
Driver age can have a significant effect on Nissan Versa car insurance rates. For example, 20-year-old drivers pay $1,678 more for their Nissan Versa car insurance each year than 30-year-old drivers.
Driver Location
Where you live can have a large impact on Nissan Versa insurance rates. For example, drivers in New York may pay $837 a year more than drivers in Seattle.
Your Driving Record
Your driving record can have an impact on your Nissan Versa auto insurance rates. Teens and drivers in their 20’s see the highest jump in their Nissan Versa car insurance with violations on their driving record.
Nissan Versa Safety Ratings
Your Nissan Versa auto insurance rates are influenced by the Nissan Versa’s safety ratings. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | Not Tested |
|---|---|
| Small overlap front: passenger-side | Not Tested |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Not Tested |
| Head restraints and seats | Not Tested |
| Source: Insurance Institute for Highway Safety | |
Nissan Versa Crash Test Ratings
Nissan Versa crash test ratings will affect your Nissan Versa car insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2020 Nissan Versa 4 DR FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2019 Nissan Versa Note SR 5 HB FWD | N/R | N/R | N/R | N/R |
| 2019 Nissan Versa Note 5 HB FWD | N/R | N/R | N/R | 4 stars |
| 2019 Nissan Versa 4 DR FWD | 4 stars | 4 stars | 4 stars | 4 stars |
| 2018 Nissan Versa Note 5 HB FWD | N/R | 3 stars | N/R | 4 stars |
| 2018 Nissan Versa 4 DR FWD | 4 stars | 4 stars | 4 stars | 4 stars |
| 2017 Nissan Versa Note 5 HB FWD | N/R | 3 stars | N/R | 4 stars |
| 2017 Nissan Versa 4 DR FWD | N/R | 4 stars | N/R | 4 stars |
| 2016 Nissan Versa Note 5 HB FWD | 4 stars | 3 stars | 5 stars | 4 stars |
| 2016 Nissan Versa 4 DR FWD | 4 stars | 4 stars | 4 stars | 4 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Nissan Versa Safety Features
Having a variety of safety features on your Nissan Versa can help lower your insurance costs. The 2020 Nissan Versa’s safety features include:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- Rear Side Air Bag
- 4-Wheel ABS
- Front Disc/Rear Drum Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Traction Control
- Lane Departure Warning
Nissan Versa Insurance Loss Probability
The Nissan Versa’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Nissan Versa, others are more favorable and lead to lower insurance rates.
| Insurance Coverage Category | Loss Rate |
| Collision | 16% |
|---|---|
| Property Damage | 10% |
| Comprehensive | -8% |
| Personal Injury | 90% |
| Medical Payment | 103% |
| Bodily Injury | 38% |
| Source: Insurance Institute for Highway Safety | |
Nissan Versa Finance and Insurance Cost
If you are financing a Nissan Versa, most lenders will require your carry higher Nissan Versa coverage options including comprehensive coverage, so be sure to shop around and compare Nissan Versa car insurance quotes from the best companies using our FREE tool below.
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Ways to Save on Nissan Versa Insurance
Although it may seem like your Nissan Versa car insurance rates are set, there are a few measures that you can take to secure the best Nissan Versa car insurance rates possible. Take a look at the following five ways to save on Nissan Versa auto insurance.
- Ask About Farm and Ranch Vehicle Discounts
- Purchase a Roadside Assistance Program for Your Nissan Versa
- Remove Young Drivers from Your Nissan Versa Insurance Plan
- Buy a Nissan Versa with an Anti-Theft Device
- Wait Six Years for Accidents to Disappear from Your Record
Top Nissan Versa Insurance Companies
Who is the top auto insurance company for Nissan Versa insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Nissan Versa auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Nissan Versa offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
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