Nissan Versa Car Insurance Cost

Looking for a new or used Nissan Versa? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

Nissan Versa insurance facts

• Average full coverage auto insurance premium: $99/month
• Most affordable companies: State Farm ($67/month) & Erie Insurance ($70/month)
• Versa car insurance cost vs. average rate: $63 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Nissan Versa by model year and auto insurer.

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Below average Nissan Versa insurer costs by state:

• Georgia car insurance – $1,460 per year

• New Mexico car insurance – $1,126 per year

• North Carolina car insurance – $917 per year

• Pennsylvania – $1,328 per year

• Texas – $1,714 per year 

Risk factors affecting Nissan Versa car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit score, type of vehicle, coverage levels, and other personal factors are also important components of your car insurance rate.

How to save money on Nissan Versa car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

• Student discounts
• Safe drivers
• Senior discounts

With all Nissan models, you can get the following car insurance discounts:

• Passive restraint systems
• Anti-lock brakes
• Anti-theft devices

Nissan automobile brand

Nissan is a Japanese multinational automobile manufacturer specializing in a full range of highly innovative cars with cutting-edge styling. Nissan is the world’s largest electric vehicle (EV) manufacturer. The target audience of Nissan is middle-income 24 to 50-year-olds that demand affordable and reliable cars. All Nissan automobiles have high safety ratings, with many automobiles getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Nissan Altima, Maxima, Rogue, and Sentra are their most popular cars.

High Nissan Versa repair costs equal high car insurance rates

Many consumers are attracted to Nissan for safety features, excellent service, and maintenance, with outstanding technological innovation such as Nissan’s ProPILOT Assist with steering assist technologies. Automotive parts are common and more expensive than popular vehicles, like Toyota, Honda, or Subaru. Repairing a Nissan is higher than average since repair parts are more expensive. For this reason, many Nissan cars are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for Nissan Versa affecting car insurance policies

Another factor to consider for Nissan is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Nissan models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your car insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

Excellent Nissan IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Nissan is known for its safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as Nissan’s ProPILOT Assist technology. With excellent safety, drivers can lower auto insurance rates for drivers with a good driving record, sometimes getting 20 to 25% driver discounts for passive restraints and safety features for Nissan models. The Nissan Altima, Maxima, Rogue, and Sentra are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks.” The NHTSA consistently gives Nissan automobiles 5-star safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Nissan automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.