Nissan Versa Car Insurance: How Much Should You Expect to Pay?

Versa Overview

With a base price of just $14,930 for new 2021 models, the Nissan Versa is a great car for all budgets. With three different trim levels currently available, there's something there for every driver.

We combed through thousands of insurance quotes on Compare.com, and we've found that Nissan Versa car insurance rates are about $175 monthly, on average. But compared to other vehicles in the market, are Versa auto insurance prices higher or lower than those of similar cars?

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How Much is Car Insurance for a Nissan Versa?

Looking at the table above, you'll find that insurance premiums for a Nissan Versa are around average compared to other vehicles on the road. Versa drivers can expect to pay about $173 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $86 a month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on these different types of insurance).

When you compare it to other models, the Versa is in line with Nissan's vehicle offerings. Compared to offerings from other brands, auto insurance for a Versa runs close to average, with full coverage insurance prices 2% cheaper than other cars and liability insurance premiums coming in at 4% higher.

The same applies when comparing the Nissan Versa to vehicles of any body type, no matter what make, model, or body style they are.

Who has the Cheapest Car Insurance for a Nissan Versa?

Searching for an auto insurance policy for your Nissan Versa? You're likely wondering which carrier offers the lowest prices. Although there will never be one company that offers the lowest rates for everyone, the cheapest average rates for liability only insurance are sometimes as low as $39 monthly from MetroMile. The runner up for lowest rates is Dashers, with car insurance policies starting sometimes as little as $40 a month.

Completing the top 5 companies are Hugo, Commonwealth Casualty, and Aspire. That being said, just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Nissan Versa.

Insurance companies take many different variables into consideration when calculating monthly prices. Since every driver is different, there's only one way to make sure you get the most affordable premiums, and that's by getting personalized quotes and comparing rates from a whole bunch of auto insurance carriers.

What Factors Affect Car Insurance Rates for a Nissan Versa?

There are an array of attributes that insurance companies examine to choose how much they charge you for a policy -- and every carrier uses a different method, so there's not a single company that's the cheapest for everyone.

Below are just a few of the things car insurance carriers look at and how each one affects your final rate:

Vehicle Age

The Nissan Versa has been around for a while, so vehicle age will likely make a difference in what you end up paying for insurance. Normally, older cars will be cheaper to insure because they're worth less than newer models, and as time goes on and Versas begin to depreciate, insurance costs will gradually decrease.

According to the table above, the Nissan Versa is not quite in line with this trend, as the most expensive models to insure are those that are 11 to 14 years old, while the cheapest Versas are 6 to 7 years old, on average.

Your Age

How old you are plays a significant role in how much car insurance companies will charge you for auto insurance. As you can see in the table above, older Versa drivers have cheaper prices than young Versa drivers. Nissan Versa drivers under 18 actually pay more than twice as much as those 25 or older.

Car insurance prices continue to go down as you get older, with drivers aged 55-64 making up the cheapest age group for the Versa.

Your Gender

Because women are less likely to get speeding tickets and get into collisions, they are less likely to file a claim with insurance. So, insurance carriers will tend to charge women less than men. When it comes to Versa drivers specifically, women pay around $3 less than men per month for car insurance.

Where You Live

You might already know that factors like how old you are and what vehicle you drive play a role in your auto insurance rates, but you may not realize that where you live is just as important. Auto insurance is regulated on a state-by-state basis, so premiums fluctuate quite a bit from state to state.

For example, the average Nissan Versa owner from New York pays about $193 a month for liability coverage, while the same driver from California will pay less than 50% of that price, on average. The chart above shows average rates for the top 10 most populous states, just to give you a good idea of how much prices can change across states.

Nissan Versa Car Insurance Discounts

No matter your home state, your car, or your age, it's always important to take advantage of as many insurance discounts as possible.

Even though all auto insurance companies offer their own unique discounts, there are a few that you'll find with most insurers. These include discounts like:

• Defensive driving discounts for drivers who take a defensive driving class through a certified school or institution

• Multi-car discounts for having more than one vehicle on your auto policy

• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like anti-lock brakes or air bags)

• Multi-policy discounts for bundling your home and auto policies with the same carrier

While discounts are always a good way to save money on your insurance, sometimes, the best way to save isn't through a "discount" at all, but rather by maintaining a clean driving record or not having recent insurance claims.

Of course, you can't control every single aspect of your car insurance profile (like some of the variables we mentioned above), but there is quite bit in your control. Below are just a few of the things you can use to your advantage in order to save money on insurance:

Your Driving Record

It's no secret that auto insurance carriers offer the most affordable premiums to drivers with a history of responsible driving. It should be no surprise that if you get tickets for speeding or get into a collision, car insurance prices will go up. But exactly how much will these infractions cost you?

If you look at the table above, you'll see that accidents will usually cost Versa drivers more than tickets, but both will result in higher than normal rates. Nissan Versa drivers with one accident on their record pay an average of $108 per month (up $22 from the $86/mo. overall average), while drivers with a single ticket will pay about $91 monthly. The rates only get higher the more accidents you have or tickets you get.

How Much You Drive

The total amount of miles you drive annually plays a big role in your auto insurance premiums. Those who are on the roads less are less likely to get speeding tickets, so they'll generally end up spending less on insurance. In the above table, you can see that Nissan Versa owners who drive fewer than 2,500 miles a year pay an average of $79 per month for car insurance, while those who put 10,000 miles or more on their cars pay $85.

But if you don't use your Nissan Versa to travel or commute regularly, you might consider a usage-based or pay-per-mile insurance policy. With these kinds of plans, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

How Do Nissan Versas Compare to Other Vehicles?

If you're considering purchasing a new vehicle and a Nissan Versa is on your shortlist, you might be wondering how it compares to other cars. Insurance is just one cost that comes with buying a new car, but it's definitely one that's worth considering carefully.

Visit the table below to see how the Nissan Versa compares:

Overall, the Nissan Versa is a fantastic value when it comes to price, with an MSRP that's less than half of the going rate for a new vehicle. While the average vehicle price in the U.S. is $46,179, the Versa comes in at just $14,930.

Although the Versa's price is on the low end of the spectrum, car insurance rates are higher when compared to the rest of the vehicle market. Full coverage insurance for a Nissan Versa is around $44 per month more than average, while liability only coverage is more than $20 more monthly.

When it comes to usage, Nissan Versa drivers are pretty close to the national average in annual miles driven, with 11,500 miles every year compared to 11,660 for all vehicles.

Nissan Versa Car Insurance Costs by Model Year

You've seen how different variables can affect a driver's auto insurance premiums. But if you're in the market for a new car, truck, or SUV and the Versa is on your wishlist, knowing what you'll likely pay for the specific car you're looking at can be extremely valuable as you weigh your options.

So we've broken down Nissan Versa car insurance rates by model year. Simply choose a specific Versa model year in the dropdown below and see average rates for both full coverage and liability only insurance, as well as some other helpful info, like available trims, base price, and even the cheapest insurance company for each Versa model year.

2021 Nissan Versa Car Insurance

As we saw above, the Nissan Versa is a great budget option for someone looking to buy a brand new car.

When it comes to insuring a Versa, it costs about $105 per month, on average, to insure a 2021 Nissan Versa for liability only and $213 a month for full coverage. And if you want the cheapest insurance possible, Mile Auto offers liability only policies for as little as just $28 per month.

Even though it's great to know the average price drivers pay for insurance, the only way to find out exactly what you'll pay is to get a personalized quote. Luckily, with Compare.com you can compare quotes from multiple companies at once, all for free. Simply enter your ZIP code below, answer a few questions, and unlock your best rates in minutes.

2020 Nissan Versa Car Insurance

If you're looking to buy a 2020 Versa or already own one, you can expect an average auto insurance rate of around $96 for liability or $208 for full coverage.

And if you're just looking for the lowest insurance for your Versa, Hugo offers liability only policies for sometimes as cheap as $22 a month.

If you want to know just how much your price will be, get free quotes in minutes by just entering your ZIP code below.

2019 Nissan Versa Car Insurance

2019 Versa drivers can expect to pay an average of $92 monthly for liability or $192 for full coverage.

AnswerFinancial has prices as cheap as just $19 a month for the 2019 Nissan Versa.

Want something more accurate than nationwide averages? Get several personalized quotes for free by just entering your ZIP code below.

2018 Nissan Versa Car Insurance

The average cost to insure a 2018 Nissan Versa with liability only coverage is $99 monthly, while full coverage runs about $209 per month.

With rates as low as just $21 monthly, DirectGeneral offered the cheapest policy we found for the 2018 Nissan Versa.

If you want to know exactly how much you can expect to pay for your Versa, get free quotes in minutes by just entering your ZIP code below.

2017 Nissan Versa Car Insurance

It costs around $103 a month for liability or $194 for a full coverage policy for the 2017 Versa.

With prices as low as $17 per month, Shelter Mutual offered the lowest policy we found.

Want to know exactly how much you'll pay? Get lots of free personalized quotes by just entering your ZIP code below.

2016 Nissan Versa Car Insurance

You can expect full coverage for a 2016 Nissan Versa to run about $180 a month, while liability only coverage will average around $84 monthly.

If you're looking for the most affordable 2016 Nissan Versa insurance policy, Clearcover offered the most affordable policy we found, with rates as little as $18 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

2015 Nissan Versa Car Insurance

On average, drivers who own a 2015 Versa can expect to pay $79 to $169 monthly for liability only and full coverage auto insurance, respectively.

MetLife offered the lowest policy we found, with rates as cheap as $17 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

2014 Nissan Versa Car Insurance

It costs about $82 a month for liability or $162 for a full coverage policy for the 2014 Nissan Versa.

Looking for the most affordable policy? Gainsco offered liability only coverage for as cheap as just $22 per month.

While these are good estimates of what the average driver might pay to insure a 2014 Nissan Versa, these premiums might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

2013 Nissan Versa Car Insurance

The average cost to insure a 2013 Versa with liability only coverage is $76 a month, while full coverage runs around $161 monthly.

We found Clearcover offered the cheapest policy, with rates sometimes as cheap as $20 a month.

If you want to find the best prices for insurance for a 2013 Nissan Versa, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

2012 Nissan Versa Car Insurance

You can expect full coverage for a 2012 Nissan Versa to run about $163 monthly, while liability only coverage will average around $83 per month.

Looking for the most affordable policy? Elephant offered liability only coverage for as little as $15 a month.

Want to know exactly what your car insurance premium will be? Enter your ZIP code below to get a variety of personalized quotes for free.

2011 Nissan Versa Car Insurance

2011 Versa drivers can expect to pay an average of $82 monthly for liability or $148 for full coverage.

With rates as little as just $18 per month, MetroMile offered the lowest policy we found for the 2011 Nissan Versa.

If you want to know just how much your price will be, just enter your ZIP code below and get free quotes in minutes.

2010 Nissan Versa Car Insurance

On average, drivers who own a 2010 Nissan Versa can expect to pay $84 to $145 monthly for liability only and full coverage auto insurance, respectively.

We found Liberty Mutual offered the cheapest policy, with rates as low as just $18 per month.

If you're looking for a more exact figure on what you should pay for insurance for a 2010 Nissan Versa, you can get free quotes in minutes by just entering your ZIP code below.

2009 Nissan Versa Car Insurance

It costs about $84 a month for liability or $149 for a full coverage policy for the 2009 Versa.

If you're looking for the cheapest possible 2009 Nissan Versa insurance policy, MetroMile offered the lowest policy we found, with rates sometimes as low as $18 monthly.

Interested in exactly how much you'll pay? Enter your ZIP code below to get lots of free customized quotes.

Nissan Versa Insurance FAQs