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