- Nissan Versa insurance costs an average of $2,310 per year, $1,155 for a 6-month policy, or $193 per month for full coverage insurance, depending on the trim level.
- The cheapest Versa insurance can be found on the Versa S Manual trim level at $2,220 per year, while the Versa SR has the highest rates at $2,374 per year.
- The Versa is one of the cheaper small cars to insure, costing $5 less per year on average as compared to the rest of the vehicles in the segment.
How much does Nissan Versa car insurance cost?
Nissan Versa insurance costs an average of $2,310 annually, with monthly rates ranging from $185 to $198, depending on the trim level of the Versa being insured.
Plan on paying approximately $5 less per year to insure a Nissan Versa as compared to the average rate for the entire compact car segment, and $89 more per year than the $2,221 national average for all vehicles.
The following chart breaks down average annual car insurance rates on a 2024 Nissan Versa with a variety of policy scenarios. The average rate we refer to in our comparisons is the ‘Save Driver Age 40’ value in the chart.
To better illustrate the massive variability for Versa insurance rates, consider that a liability-only policy in the cheapest areas of North Carolina or Vermont can cost as little as $240 a year, while a newly-licensed teenage driver with a couple of driving violations in some zip codes in New York City could total as much as $18,750 a year for a full coverage policy.
What is the cheapest Nissan Versa insurance?
The cheapest Nissan Versa insurance can be found on the base S Manual trim (MSRP of $16,130) costing $2,220 per year and the S CVT trim (MSRP of $17,800) costing an average of $2,292.
The $20,140 SR trim is the most expensive to insure, costing an average of $154 more per year than the cheapest S Manual model.
Anticipate paying in the range of $185 to $198 per month for a policy with full coverage. This range can vary quite a bit, however, based on factors like your age, location, claims history, and driving record.
The table below details the average annual and semi-annual Nissan Versa car insurance cost, in addition to a monthly budget estimate, for each 2024 mode year trim level.
| 2024 Nissan Versa Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| S Manual | $2,220 | $185 |
| S CVT | $2,292 | $191 |
| SV | $2,350 | $196 |
| SR | $2,374 | $198 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated June 26, 2025
Nissan Versa insurance cost by model year
The following table shows average full coverage car insurance rates for the 2010 to 2024 model years. Rates are included for drivers aged 20 to 60.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2024 Nissan Versa | $4,552 | $2,310 | $1,936 |
| 2023 Nissan Versa | $4,862 | $2,416 | $2,032 |
| 2022 Nissan Versa | $4,858 | $2,414 | $2,030 |
| 2021 Nissan Versa | $4,350 | $2,164 | $1,820 |
| 2020 Nissan Versa | $4,244 | $2,110 | $1,776 |
| 2019 Nissan Versa | $3,712 | $1,852 | $1,558 |
| 2018 Nissan Versa | $3,540 | $1,768 | $1,490 |
| 2017 Nissan Versa | $3,470 | $1,734 | $1,462 |
| 2016 Nissan Versa | $2,770 | $1,396 | $1,174 |
| 2015 Nissan Versa | $2,654 | $1,334 | $1,124 |
| 2014 Nissan Versa | $2,552 | $1,284 | $1,082 |
| 2013 Nissan Versa | $2,610 | $1,306 | $1,100 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Nissan Versa trim levels for each model year. Updated June 26, 2025
How much is liability insurance on a Versa?
Insuring a Nissan Versa for liability-only insurance could save $500 or more each year over the cost of full coverage insurance. The table below compares the average cost of full coverage Versa insurance to the cost of carrying only liability insurance for older model year Versas.
Liability insurance rates vary depending on the state you live in as well as the liability limits chosen on your policy. Most policies also have the option to use split limit liability or combined single limits.
| Vehicle Model Year | Full Coverage Insurance | Liability Insurance |
|---|---|---|
| 2012 Nissan Versa | $1,254 | $656 |
| 2011 Nissan Versa | $1,210 | $650 |
| 2010 Nissan Versa | $1,160 | $644 |
| 2009 Nissan Versa | $1,114 | $638 |
| 2008 Nissan Versa | $1,074 | $632 |
| 2007 Nissan Versa | $1,062 | $626 |
| 2006 Nissan Versa | $1,042 | $620 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Full coverage comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each model year. Updated June 27, 2025
Is Versa insurance expensive compared to other small cars?
When compared to other popular small cars, insurance for a Nissan Versa costs $236 more per year than the Honda Civic, $28 more than the Toyota Corolla, $164 more than the Nissan Sentra, and $232 less than the Hyundai Elantra.
The Nissan Versa ranks ninth out of 15 total vehicles in the small car class. The Versa costs an average of $2,310 per year to insure and the segment average cost is $2,315 annually, a difference of $5 per year.
When compared to all 2024 model year vehicles (not just compact cars), Nissan Versa car insurance costs 3.9% more than the national average rate of $2,221 per year.
The table below shows how well average Versa car insurance prices fare against all other vehicles in the U.S. compact car segment.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Toyota GR Corolla | $2,034 | -$276 |
| 2 | Nissan Leaf | $2,052 | -$258 |
| 3 | Honda Civic | $2,074 | -$236 |
| 4 | Nissan Sentra | $2,146 | -$164 |
| 5 | Subaru Impreza | $2,154 | -$156 |
| 6 | Toyota Prius | $2,188 | -$122 |
| 7 | Toyota Corolla | $2,282 | -$28 |
| 8 | Kia Forte | $2,288 | -$22 |
| 9 | Nissan Versa | $2,310 | -- |
| 10 | Mitsubishi Mirage G4 | $2,364 | $54 |
| 11 | Volkswagen Jetta | $2,370 | $60 |
| 12 | Mazda 3 | $2,424 | $114 |
| 13 | Hyundai Elantra | $2,542 | $232 |
| 14 | Volkswagen Golf | $2,586 | $276 |
| 15 | Toyota Mirai | $2,916 | $606 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2024 model year. Updated June 27, 2025
How much is Nissan Versa insurance for teenagers?
The average Nissan Versa insurance cost for teen drivers ranges from $6,398 to $8,358 for male drivers and $5,364 to $7,799 for female drivers.
The chart below shows average full-coverage car insurance rates for male and female teen drivers aged 16 to 19 on a 2024 Nissan Versa.
Some other noteworthy rates and conclusions regarding Versa insurance cost include:
- Raise your credit score for cheaper insurance rates. In states that have regulations allowing a policyholder’s credit score to be used as a price factor, having a good credit rating over 800 could save as much as $363 per year compared to a slightly lower credit score between 670-739. Conversely, a subpar credit rating could cost as much as $420 more per year.
- Save money due to your occupation. Some insurance companies offer policy discounts for certain professions like scientists, firefighters, engineers, college professors, members of the military, and other occupations. If you qualify for this occupational discount, you may save between $69 and $228 on your insurance premium, depending on the policy coverages.
- As you get older, rates tend to drop. The difference in Versa insurance cost between a 60-year-old driver ($1,936 per year) and a 20-year-old driver ($4,552 per year) is $2,616, or a savings of 80.6%.
- Policy discounts equal cheaper Versa insurance rates. Discounts may be available if the policyholders are military or federal employees, belong to certain professional organizations, choose electronic billing, are senior citizens, or other policy discounts which could save the average driver as much as $392 per year on Nissan Versa insurance.
- Avoid driving violations to reduce insurance costs. In order to get the cheapest possible Versa insurance rates, it pays to obey traffic laws. Just a couple of traffic citations can potentially raise insurance policy rates by as much as $610 per year. Serious misdemeanor violations such as driving on a suspended license could raise rates by an additional $2,100 or more.
- Driver age and gender matter. For a 2024 Nissan Versa, a 20-year-old man pays an average rate of $4,552 per year, while a 20-year-old woman pays an estimated $3,328, a difference of $1,224 per year in the women’s favor by a large margin. But by age 50, the cost for male drivers is $2,078 and the rate for females is $2,010, a difference of only $68.