Nissan Versa Insurance Rates – 2022 Cost + Comparisons

How much does Nissan Versa car insurance cost? We compared rates from the base S model up to the SR trim to find out how the Versa ranks against the competition for insurance affordability.

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  • Nissan Versa insurance costs an average of $1,708 per year, $854 for a 6-month policy, or $142 per month for full coverage insurance, depending on the trim level.
  • The cheapest Versa insurance can be found on the Versa S trim level at $1,678 per year, while the Versa SR has the highest rates at $1,758 per year.
  • The Versa is one of the more expensive small cars to insure, costing $151 more 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 $1,708 annually, with monthly rates ranging from $140 to $147, depending on the trim level of the Versa being insured.

Plan on paying approximately $151 more per year to insure a Nissan Versa as compared to the average rate for the entire compact car segment, and $157 more per year than the $1,551 national average for all vehicles.

The following chart breaks down average annual car insurance rates on a 2022 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year Nissan Versa with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Nissan Versa trim levels.Data last updated on April 20, 2022
Nissan Versa Insurance Cost Summary
Nissan Versa Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,856$321
Safe Driver Age 20$3,378$282
At-fault Accidents Age 40$2,438$203
Low Deductibles Age 40$2,098$175
Safe Driver Age 30$1,764$147
Safe Driver Age 40$1,708$142
Safe Driver Age 50$1,560$130
Safe Driver Age 60$1,528$127
High Deductibles Age 40$1,504$125
Discount Rate Age 40$1,416$118

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 $16,716 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 trim (MSRP of $16,750) costing $1,678 per year and the SV trim (MSRP of $17,890) costing an average of $1,688.

The $18,490 SR trim is the most expensive to insure, costing an average of $80 more per year than the cheapest S model.

Anticipate paying in the range of $140 to $147 per month for a policy with full coverage. This range can vary quite a bit, however, based on factors like your age, location, claim history, and driving record.

The table below details average annual and semi-annual Nissan Versa car insurance cost, in addition to a monthly budget estimate, for each 2022 mode year trim level.

2022 Nissan Versa Insurance Cost by Trim Level
Nissan Versa Trim Level Annual Policy 6-month Policy Per Month
S$1,678$839$140
SV$1,688$844$141
SR$1,758$879$147

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Nissan Versa, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 13, 2022
Nissan Versa Insurance Cost by Trim Level

Nissan Versa insurance cost by model year

The following table shows average full coverage car insurance rates for the 2010 to 2022 model years. Rates are included for drivers aged 20 to 60.

Nissan Versa Insurance Cost for 2013-2022 Models
Model Year Driver Age 20 Age 30 Age 40 Age 50 Age 60
2022$3,378$1,764$1,708$1,560$1,528
2021$3,028$1,584$1,532$1,400$1,372
2020$2,988$1,558$1,510$1,380$1,354
2019$2,658$1,390$1,346$1,230$1,206
2018$2,580$1,348$1,308$1,196$1,172
2017$2,558$1,334$1,294$1,186$1,162
2016$2,074$1,088$1,056$964$942
2015$2,038$1,066$1,034$946$926
2014$1,944$1,014$986$902$882
2013$1,978$1,030$1,000$916$898

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 13, 2022
Nissan Versa Insurance Rates by Model Year

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.

Nissan Versa Insurance Rates for 2006 to 2012 Model Years
Vehicle Model Year Full Coverage Insurance Liability Insurance
2012 Nissan Versa$972$524
2011 Nissan Versa$946$520
2010 Nissan Versa$910$516
2009 Nissan Versa$882$512
2008 Nissan Versa$848$508
2007 Nissan Versa$816$500
2006 Nissan Versa$784$490

Get Rates in Your AreaWhy is this important?

Table Data Details: Average insurance rates for each Nissan Versa model year assume a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premium amounts. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 20, 2022
Nissan Version Liability Insurance Rates

Is Versa insurance expensive compared to other small cars?

When compared to other popular small cars, insurance for a Nissan Versa costs $210 more per year than the Honda Civic, $222 more than the Toyota Corolla, $232 more than the Nissan Sentra, and $2 more than the Hyundai Elantra.

The Nissan Versa ranks #18 out of 20 total vehicles in the small car class. The Versa costs an average of $1,708 per year to insure and the segment average cost is $1,557 annually, a difference of $151 per year.

When compared to all 2022 model year vehicles (not just compact cars), Nissan Versa car insurance costs 10.1% more than the national average rate of $1,551 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.

Insurance Cost Comparison: Nissan Versa vs Small Cars
Rank Make/Model Insurance Cost Difference
1Subaru Impreza$1,312-$396
2Chevrolet Spark$1,320-$388
3Volkswagen Golf$1,456-$252
4Volkswagen Jetta$1,470-$238
5Nissan Sentra$1,476-$232
6Toyota Corolla$1,486-$222
7Kia Rio$1,494-$214
8Honda Civic$1,498-$210
9Mazda 3$1,500-$208
10Toyota Prius$1,512-$196
11Hyundai Accent$1,530-$178
12Hyundai Veloster$1,546-$162
13Kia Forte$1,550-$158
14Nissan Leaf$1,616-$92
15Hyundai Ioniq$1,620-$88
16Honda Clarity$1,666-$42
17Hyundai Elantra$1,706-$2
18Nissan Versa$1,708--
19Mitsubishi Mirage G4$1,714$6
20Toyota Mirai$1,956$248

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 13, 2022
Insurance Cost Comparison: Nissan Versa vs Small Cars

How much is Nissan Versa insurance for teenagers?

Average Nissan Versa insurance cost for teen drivers ranges from $4,896 to $6,472 for male drivers and $4,356 to $5,716 for female drivers.

The chart below shows average full-coverage car insurance rates for male and female teen drivers age 16 to 19 on a 2022 Nissan Versa.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Teenage driver rates are for a 2022 model year Nissan Versa with $500 physical damage deductibles. Rates are averaged across all U.S. states and all Nissan Versa trim levels.Data last updated on March 13, 2022
Nissan Versa Insurance Cost for Teenage Drivers
Nissan Versa Insurance Cost for Teenage Drivers
Teen Driver Gender Age 16 Age 17 Age 18 Age 19
Male$6,472$5,934$5,498$4,896
Female$5,716$5,334$4,762$4,356

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 $268 per year compared to a slightly lower credit score between 670-739. Conversely, a subpar credit rating could cost as much as $311 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 $51 and $158 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 ($1,528 per year) and a 20-year-old driver ($3,378 per year) is $1,850, or a savings of 54.8%.
  • 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 many other policy discounts which could save the average driver as much as $292 per year on Nissan Versa insurance.
  • Avoid driving violations to reduce insurance cost. 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 $456 per year. Serious misdemeanor violations such as driving on a suspended license could raise rates by an additional $1,572 or more.
  • Driver age and gender matter. For a 2022 Nissan Versa, a 20-year-old man pays an average rate of $3,378 per year, while a 20-year-old woman pays an estimated $2,534, a difference of $844 per year in the women’s favor by a large margin. But by age 50, the cost for male drivers is $1,560 and the rate for females is $1,528, a difference of only $32.