Newer Nissan Versas cost more to insure than older models, with 2025 versions running around $209 monthly compared to $70 for older years. Your model year affects premiums since newer vehicles are more expensive to replace.
Nissan Versa Insurance Cost
Updated: February 18, 2026
Key Takeaways
GEICO offers the most affordable Nissan Versa insurance rates on average, though full coverage usually ranges from about $140 to $180 per month depending on your model year and insurer. Read more.
The Versa ranks 18th out of 52 hatchbacks for insurance affordability, placing it in the middle tier for its vehicle type. Since hatchbacks usually cost less to insure due to lower repair costs and better fuel efficiency, this makes the Versa quite affordable overall. Read more.
For the most accurate rates, check costs specific to your Versa's model year, especially if you're insuring a teen driver on your policy. Read MoneyGeek's analysis of rates by company for specific Versa model years depending on the age of the drivers.
How Much Is Nissan Versa Insurance?
Looking for another Nissan model? Read more about the cost of Nissan car insurance models.
Costs vary by model year and company. Nissan Versa minimum coverage spans $55 monthly with GEICO to $142 with UAIC, while full coverage goes from $120 with GEICO to $294 with AIG.
Rate variations (more than $87 for minimum coverage and $174 for full coverage) demonstrate why Versa owners need to shop around. Insurance companies calculate risk differently for each model, which affects your final quote.
| AAA | $92 | $191 |
| AIG | $119 | $294 |
| Allstate | $106 | $205 |
| Amica | $100 | $204 |
| Chubb | $110 | $215 |
| Farmers | $120 | $211 |
| Geico | $55 | $120 |
| Kemper | $82 | $165 |
| Nationwide | $100 | $172 |
| Progressive | $86 | $160 |
| State Farm | $75 | $155 |
| The Hartford | $93 | $158 |
| Travelers | $76 | $140 |
| UAIC | $142 | $177 |
Is Nissan Versa Expensive to Insure?
MoneyGeek's analysis of 52 hatchbacks shows the Nissan Versa ranking 18th for insurance affordability. When determining whether it's expensive to insure, you'll find it sits in the middle tier. It costs a few dollars more per month than a Fiat 500e but a few dollars less than a Mitsubishi Mirage. This middle positioning among hatchbacks tells only part of the cost story.
Among all 827 vehicles, the Versa ranks 233rd for insurance cost, putting it in the top 30% most affordable to insure. Hatchbacks as a category run pricier than most. The Saab 9-3 is the cheapest hatchback to insure; the Cadillac Celestiq is the most expensive.
| Suzuki SX4 | $119 | 15 |
| Toyota Yaris | $119 | 16 |
| Fiat 500e | $120 | 17 |
| Nissan Versa | $121 | 18 |
| Mitsubishi Mirage | $122 | 19 |
| Mazda 2 | $123 | 20 |
| Volvo C30 | $123 | 21 |
Three things affect Nissan Versa insurance costs:
- Average Repair or Replacement Costs: At $410 per year, the Versa has the lowest repair costs of any Nissan model across 26 options. Lower repair bills mean lower premiums.
- Vehicle Trim, Features and Accessories: Trims range from 122 to 150 horsepower. More powerful variants cost more to insure because they cost more to repair and attract higher-risk driving.
- Driver Profile: Most Versa drivers are 25 to 34 years old, with a median age of 30. Insurers price in the risk-taking behaviors associated with that age group and the vehicle's performance reputation. Read more about the costs of Nissan Versas for young drivers.
Nissan Versa Insurance Cost by State
Minimum coverage for a Nissan Versa is $29 per month in Wyoming and $162 in Louisiana. The vehicle is the same, but state risk profiles and insurance regulations affect the difference.
| Alabama | $70 | $132 |
| Alaska | $58 | $122 |
| Arizona | $100 | $186 |
| Arkansas | $65 | $145 |
| California | $78 | $157 |
| Colorado | $77 | $184 |
| Connecticut | $116 | $199 |
| Delaware | $120 | $201 |
| Florida | $113 | $263 |
| Georgia | $125 | $205 |
| Hawaii | $43 | $96 |
| Idaho | $45 | $91 |
| Illinois | $75 | $140 |
| Indiana | $53 | $103 |
| Iowa | $44 | $105 |
| Kansas | $58 | $134 |
| Kentucky | $103 | $174 |
| Louisiana | $162 | $348 |
| Maine | $41 | $85 |
| Maryland | $130 | $219 |
| Massachusetts | $84 | $178 |
| Michigan | $125 | $238 |
| Minnesota | $67 | $137 |
| Mississippi | $69 | $137 |
| Missouri | $92 | $183 |
| Montana | $55 | $131 |
| Nebraska | $59 | $134 |
| Nevada | $152 | $275 |
| New Hampshire | $57 | $100 |
| New Jersey | $138 | $228 |
| New Mexico | $66 | $147 |
| New York | $104 | $187 |
| North Carolina | $66 | $128 |
| North Dakota | $46 | $100 |
| Ohio | $62 | $121 |
| Oklahoma | $74 | $164 |
| Oregon | $104 | $181 |
| Pennsylvania | $69 | $162 |
| Rhode Island | $102 | $181 |
| South Carolina | $84 | $156 |
| South Dakota | $42 | $125 |
| Tennessee | $64 | $129 |
| Texas | $103 | $211 |
| Utah | $89 | $151 |
| Vermont | $35 | $83 |
| Virginia | $77 | $126 |
| Washington | $77 | $144 |
| West Virginia | $69 | $140 |
| Wisconsin | $52 | $115 |
| Wyoming | $29 | $91 |
Nissan Versa Costs by Model Year and Insurance Company
Newer Nissan Versa models cost more to insure than older ones, with model year being a major factor in your premiums. A 35- to 55-year-old driver pays around $251 monthly for full coverage on a 2025 Versa compared to just $178 for a 2016 model. Young drivers in their teens and early 20s pay much higher rates across all model years.
GEICO consistently offers the lowest rates across all Versa model years and could save you hundreds monthly versus average costs. Shopping between insurers gives you the best opportunity to reduce your premiums.
Recent model years:
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Nissan Versa
| Geico | $68 | $147 |
| Progressive | $97 | $180 |
| Kemper | $99 | $198 |
| National General | $99 | $204 |
| Travelers | $104 | $191 |
| State Farm | $109 | $225 |
| Allstate | $126 | $244 |
| The Hartford | $128 | $219 |
| AAA | $130 | $270 |
| Nationwide | $131 | $226 |
| Amica | $152 | $313 |
| Farmers | $166 | $295 |
| UAIC | $174 | $220 |
| AIG | $178 | $457 |
| Chubb | $190 | $379 |
Cost of Car Insurance for 2024 Nissan Versa
| Geico | $65 | $142 |
| Progressive | $93 | $174 |
| Kemper | $96 | $190 |
| National General | $96 | $196 |
| Travelers | $100 | $184 |
| State Farm | $105 | $217 |
| Allstate | $122 | $234 |
| The Hartford | $124 | $211 |
| AAA | $125 | $260 |
| Nationwide | $126 | $218 |
| Amica | $147 | $301 |
| Farmers | $160 | $284 |
| UAIC | $167 | $212 |
| AIG | $171 | $440 |
| Chubb | $183 | $365 |
Cost of Car Insurance for 2023 Nissan Versa
| Geico | $53 | $114 |
| Progressive | $75 | $140 |
| Kemper | $77 | $154 |
| National General | $77 | $158 |
| Travelers | $81 | $148 |
| State Farm | $84 | $175 |
| Allstate | $98 | $189 |
| The Hartford | $100 | $170 |
| AAA | $101 | $210 |
| Nationwide | $102 | $176 |
| Amica | $118 | $243 |
| Farmers | $129 | $229 |
| UAIC | $135 | $171 |
| AIG | $138 | $355 |
| Chubb | $148 | $294 |
Cost of Car Insurance for 2022 Nissan Versa
| Geico | $51 | $110 |
| Progressive | $72 | $135 |
| Kemper | $74 | $148 |
| National General | $74 | $153 |
| Travelers | $78 | $143 |
| State Farm | $81 | $169 |
| Allstate | $95 | $183 |
| The Hartford | $96 | $164 |
| AAA | $97 | $202 |
| Nationwide | $98 | $170 |
| Amica | $114 | $235 |
| Farmers | $125 | $221 |
| UAIC | $130 | $165 |
| AIG | $133 | $343 |
| Chubb | $143 | $284 |
Cost of Car Insurance for 2021 Nissan Versa
| Geico | $44 | $96 |
| Progressive | $63 | $117 |
| Kemper | $64 | $128 |
| National General | $65 | $132 |
| Travelers | $67 | $124 |
| State Farm | $71 | $146 |
| Allstate | $82 | $158 |
| The Hartford | $83 | $142 |
| AAA | $84 | $175 |
| Nationwide | $85 | $147 |
| Amica | $99 | $203 |
| Farmers | $108 | $192 |
| UAIC | $113 | $143 |
| AIG | $116 | $297 |
| Chubb | $124 | $246 |
Cost of Car Insurance for 2020 Nissan Versa
| Geico | $56 | $122 |
| National General | $61 | $126 |
| Travelers | $73 | $135 |
| State Farm | $74 | $154 |
| Kemper | $89 | $180 |
| The Hartford | $90 | $154 |
| Progressive | $90 | $169 |
| AAA | $92 | $190 |
| Amica | $97 | $199 |
| Nationwide | $98 | $168 |
| Allstate | $101 | $194 |
| Chubb | $107 | $212 |
| AIG | $114 | $281 |
| Farmers | $122 | $215 |
| UAIC | $135 | $168 |
Cost of Car Insurance for 2019 Nissan Versa
| National General | $57 | $117 |
| Geico | $57 | $124 |
| Travelers | $72 | $131 |
| State Farm | $73 | $152 |
| Progressive | $87 | $163 |
| Amica | $91 | $185 |
| AAA | $92 | $190 |
| Kemper | $92 | $186 |
| The Hartford | $94 | $159 |
| Nationwide | $98 | $168 |
| Allstate | $102 | $197 |
| Chubb | $103 | $202 |
| AIG | $113 | $278 |
| Farmers | $118 | $207 |
| UAIC | $141 | $176 |
Cost of Car Insurance for 2018 Nissan Versa
| Geico | $56 | $121 |
| National General | $59 | $120 |
| Travelers | $71 | $130 |
| State Farm | $73 | $152 |
| Kemper | $80 | $162 |
| Progressive | $83 | $155 |
| The Hartford | $87 | $149 |
| AAA | $89 | $184 |
| Nationwide | $92 | $158 |
| Amica | $93 | $191 |
| Chubb | $98 | $192 |
| Allstate | $103 | $198 |
| AIG | $106 | $258 |
| Farmers | $112 | $197 |
| UAIC | $136 | $169 |
Cost of Car Insurance for 2017 Nissan Versa
| Geico | $56 | $120 |
| National General | $60 | $124 |
| Travelers | $74 | $135 |
| State Farm | $74 | $154 |
| Progressive | $84 | $158 |
| Kemper | $85 | $172 |
| AAA | $93 | $192 |
| The Hartford | $93 | $159 |
| Amica | $96 | $195 |
| Nationwide | $98 | $168 |
| Allstate | $104 | $201 |
| Chubb | $105 | $206 |
| AIG | $117 | $289 |
| Farmers | $124 | $219 |
| UAIC | $138 | $171 |
Cost of Car Insurance for 2016 Nissan Versa
| Geico | $55 | $120 |
| National General | $59 | $122 |
| Travelers | $74 | $135 |
| State Farm | $75 | $154 |
| Progressive | $83 | $154 |
| Kemper | $87 | $176 |
| AAA | $93 | $193 |
| Amica | $94 | $192 |
| The Hartford | $94 | $161 |
| Nationwide | $99 | $171 |
| Chubb | $105 | $206 |
| Allstate | $105 | $203 |
| AIG | $118 | $292 |
| Farmers | $124 | $219 |
| UAIC | $139 | $173 |
Nissan Versa Insurance Cost by Trim
Nissan Versa insurance costs range from $75 monthly for minimum coverage on basic Note Sr Hatchback models to $220 for full coverage on high-performance Sr variants. Your trim's performance features and market value determine where you'll fall in this range.
| Note Sr (2018.5) Hatchback 4d | $75 | $145 |
| S Plus (2018.5) Sedan 4d | $77 | $149 |
| Note S (2018.5) Hatchback 4d | $78 | $149 |
| S Sedan 4d | $78 | $150 |
| Note Sv (2018.5) Hatchback 4d | $80 | $154 |
| S (2018.5) Sedan 4d | $80 | $154 |
| Sv (2018.5) Sedan 4d | $80 | $155 |
| S Hatchback 4d | $80 | $155 |
| Note Sv Hatchback 4d | $81 | $156 |
| Note Sr Hatchback 4d | $81 | $156 |
| Note Sl Hatchback 4d | $81 | $157 |
| Note S Hatchback 4d | $81 | $157 |
| Sv Sedan 4d | $82 | $158 |
| Sr Sedan 4d | $82 | $158 |
| S Plus Sedan 4d | $82 | $158 |
| Note S Plus Hatchback 4d | $83 | $160 |
| Sedan 4d | $83 | $160 |
| Sl Sedan 4d | $86 | $165 |
| Sl Hatchback 4d | $87 | $167 |
| S | $93 | $180 |
| Sl Fe Plus Hatchback 4d | $102 | $196 |
| Sv | $110 | $214 |
| Sr | $114 | $220 |
How to Lower the Cost of Nissan Versa Insurance
Here are proven strategies that'll help you find better rates on your Nissan Versa insurance:
- 1Choose the Right Coverage
You'll need to decide how much coverage to buy for your Nissan Versa. Own your vehicle? Get your state's minimum liability requirements plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research Costs and Cheap Companies
Before shopping, check average auto insurance costs for compact cars so you know what a fair price looks like. That number gives you a baseline to spot genuine deals when comparing the cheapest car insurance companies.
- 3Look for More than Just Low Rates
A low quote means nothing if the insurer is slow to pay claims. Before buying car insurance, check J.D. Power satisfaction ratings, Better Business Bureau complaints and AM Best financial stability scores. Budget insurers often cut corners on service exactly when you need it most.
- 4Find Discounts You Qualify For
Nissan Versa owners commonly qualify for safety feature discounts, good driver rewards, multi-vehicle savings and bundling discounts. Check which car insurance discounts apply to your profile and stack them — the combined savings add up.
- 5Consider Alternative Car Insurance Types
If you drive safely and infrequently, usage-based insurance programs like Progressive Snapshot or Allstate Drivewise can cut your premium based on actual driving behavior rather than demographic averages. Versa owners who fit that profile often pay less this way.
- 6Check Rates Every Year
Insurers reprice constantly and won't tell you when a competitor gets cheaper. Pull car insurance quotes from multiple companies every year. Versa owners who shop annually save up to 24% compared to those who auto-renew. Set a reminder six weeks before your renewal date.
Nissan Versa Insurance Cost: Bottom Line
Nissan Versa insurance costs less than average, making it an affordable choice to insure. You can secure even better rates by shopping multiple companies, claiming available discounts and selecting appropriate coverage levels.
Nissan Versa Insurance Rates: FAQ
What is the average cost of car insurance for a Nissan Versa?
Nissan Versa insurance costs $998 annually for state minimum coverage and $1,924 yearly for full coverage. This makes it one of the more affordable vehicles to insure.
What company has the cheapest car insurance for a Nissan Versa?
GEICO provides the most affordable auto insurance for a Nissan Versa, offering minimum coverage at $660 annually. Drivers seeking full coverage will also find GEICO delivers the best value at $1,440 per year.
Are Nissan Versas expensive to insure?
No, Nissan Versa insurance is not expensive and ranks among the more affordable vehicles to insure. The Versa places 233rd out of 827 vehicles for affordability, while ranking 18th out of 52 hatchbacks.
What factors affect insurance costs for Nissan Versas?
Driving record, credit score and coverage level all affect what you pay. The Versa keeps costs down in two areas: annual repair costs average $410, the lowest of any Nissan model, and theft rates are below average. Both factors push premiums lower than most comparable vehicles.
How can I lower Nissan Versa insurance costs?
Start by pulling quotes from at least three insurers. Versa rates vary widely between companies. Sign up for a usage-based program like Progressive Snapshot or Allstate Drivewise if you drive safely. Bundle with home or renters insurance, claim every discount you qualify for and keep your driving record clean.
How We Determined Nissan Versa Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Nissan Versa insurance costs.
Who We Based These Rates On
These Nissan Versa rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.