Annual full coverage car insurance costs for a Nissan Versa range from $978 to $5,947. Rates vary based on the car's production year, driver age, location, address, driving history, coverage level and insurer. This article breaks down Nissan Versa insurance costs and highlights the best and cheapest insurers.
Nissan Versa Insurance Cost
Updated: March 25, 2025
Key Takeaways
With annual rates starting at $511, State Farm provides the most affordable insurance for a Nissan Versa.
The Nissan Versa's average annual insurance cost is $631 for minimum coverage and $1,361 for full coverage.
MoneyGeek analyzed 4,183 quotes for a Nissan Versa from Quadrant Information Services to ensure accurate and reliable information.
Nissan Versa Insurance Rates
What Is the Average Nissan Versa Car Insurance Cost?
Nissan Versa full coverage insurance costs about $113 per month or $1,361 per year, based on a 40-year-old male with a clean driving record. For minimum coverage, expect to pay around $53 monthly or $631 annually.
| Minimum Coverage | $631 |
| Full Coverage | $1,361 |
Read more: Average Cost of Car Insurance
Nissan Versa Insurance Costs by Company
Nissan Versa insurance costs range from $1,005 to $1,774 annually, varying by age, model year and coverage level. Below is a table comparing average Nissan Versa insurance rates with averages for all vehicles from several national and mid-size providers.
| Allstate | $1,474 | $1,813 | -19% |
| Auto-Owners | $1,169 | $1,227 | -5% |
| Farmers | $1,719 | $1,957 | -12% |
| GEICO | $1,163 | $1,333 | -13% |
| Kemper | $1,774 | $2,215 | -20% |
| Nationwide | $1,546 | $1,588 | -3% |
| Progressive | $1,586 | $1,743 | -9% |
| State Farm | $1,098 | $1,270 | -14% |
| Travelers | $1,494 | $1,521 | -2% |
| USAA | $1,005 | $1,201 | -16% |
Read more: Best Car Insurance Companies
Cost of Insuring a Nissan Versa by Model Year
Your Nissan Versa's production year can impact insurance rates, with older models often costing less. For example, full coverage for a 2022 model averages $1,525 annually compared to $1,219 for a 2009 model. Below are the average full and minimum coverage rates for each production year.
| 2022 | $631 | $1,525 |
| 2021 | $634 | $1,514 |
| 2020 | $621 | $1,488 |
| 2019 | $658 | $1,468 |
| 2018 | $668 | $1,442 |
| 2017 | $641 | $1,412 |
| 2016 | $665 | $1,381 |
| 2015 | $661 | $1,351 |
| 2014 | $630 | $1,329 |
| 2013 | $651 | $1,306 |
| 2012 | $643 | $1,283 |
| 2011 | $618 | $1,262 |
| 2010 | $642 | $1,240 |
| 2009 | $639 | $1,219 |
Nissan Versa Insurance Costs by Driver Age
Insurance rates for a Nissan Versa vary widely based on driver age. For example, 16-year-olds pay about $5,947 annually for full coverage, while 40-year-olds pay around $1,373. Below are the average minimum and full coverage rates for drivers across ages.
| 16 | $2,939 | $5,947 |
| 17 | $2,389 | $4,852 |
| 18 | $2,085 | $4,273 |
| 19 | $1,478 | $3,041 |
| 20 | $1,327 | $2,764 |
| 21 | $1,052 | $2,229 |
| 22 | $959 | $2,047 |
| 23 | $890 | $1,912 |
| 24 | $843 | $1,819 |
| 25 | $751 | $1,627 |
| 26 | $730 | $1,574 |
| 27 | $713 | $1,540 |
| 28 | $701 | $1,516 |
| 29 | $691 | $1,495 |
| 30 | $668 | $1,442 |
| 35 | $650 | $1,399 |
| 40 | $643 | $1,373 |
| 45 | $638 | $1,355 |
| 50 | $622 | $1,314 |
| 55 | $606 | $1,277 |
| 60 | $606 | $1,273 |
| 65 | $646 | $1,332 |
| 70 | $701 | $1,426 |
| 75 | $778 | $1,564 |
| 80 | $881 | $1,743 |
| 85 | $953 | $1,870 |
| 90 | $1,005 | $1,959 |
Nissan Versa Insurance Rates Explained
Several factors influence car insurance rates based on driver profiles. However, insurers also consider factors tied to your vehicle. The list below outlines these vehicle-related cost factors.
Nissan Versa Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Nissan Versa
Average Full Coverage Rate
$1,361Premiums for Nissan Versa are:$65 more
This is 5% more expensive.
Value
The Nissan Versa's MSRP is $21,830, placing it in the compact car category. This value influences insurance costs, as insurers factor in the car’s price when setting premiums.
Repair costs
The Nissan Versa’s annual repair cost is $456, below the national average. Lower repair costs can result in cheaper insurance premiums.
Performance
With a 0-to-60 time of 9.5 seconds and 122 horsepower, the Nissan Versa isn't a high-performance vehicle, which may help lower insurance costs.
Vehicle age
Newer Nissan Versas are typically more expensive to insure than older ones. However, collector and classic cars can be exceptions.
Safety features
Safety features like stability control, airbags and antilock brakes, as well as a high NHTSA rating, make the Nissan Versa eligible for insurance discounts.
Vehicle size
Larger vehicles cost more to insure due to higher damage risk. As a smaller car, the Nissan Versa may have lower insurance costs.
Trim level
Higher trim levels increase the MSRP, raising insurance costs. Premium trims of the Nissan Versa cost more to insure than the base model.
Theft rates
Vehicles with higher theft rates cost more to insure. The Nissan Versa’s high theft rate may raise insurance premiums.
Cheapest Nissan Versa Insurance
State Farm offers the lowest annual rate for Nissan Versa insurance at $511 for minimum coverage, based on a 40-year-old male with a clean driving record. Below is a breakdown of the cheapest car insurance rates for various coverage levels, age groups, driving records, model years and more.
Cheapest Nissan Versa Insurance by Coverage Level
Your coverage level significantly affects your Nissan Versa insurance rate. State Farm offers the cheapest average minimum and full coverage rates. Below is a breakdown of the most affordable providers for each.
Cheapest Nissan Versa Minimum Coverage
State Farm and GEICO offer the lowest monthly minimum coverage rate for a Nissan Versa at $43, followed by Travelers at $55. Progressive and Allstate also offer affordable options at $58 and $60.
| USAA | $35 | $417 |
| State Farm | $43 | $511 |
| GEICO | $43 | $514 |
| Travelers | $55 | $665 |
| Progressive | $58 | $698 |
| Allstate | $60 | $720 |
| Farmers | $62 | $740 |
| Nationwide | $62 | $741 |
*State Farm offers non-military-affiliated Nissan Versa owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Nissan Versa Insurance Rates by Model Year
The list above doesn’t factor in the vehicle’s production year, which can affect rates. Older Nissan Versa models may have cheaper minimum coverage. Use the table below to find the lowest rates by production year.
Data filtered by:Results filtered by:
Select
Model Year:2009
| Allstate | $730 | $61 |
| Farmers | $710 | $59 |
| GEICO | $529 | $44 |
| Nationwide | $726 | $61 |
| Progressive | $712 | $59 |
| State Farm | $468 | $39 |
| Travelers | $678 | $57 |
| USAA | $437 | $36 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Nissan Versa Insurance
State Farm offers the cheapest full coverage insurance for a Nissan Versa at $1,071 annually or $89 monthly. See the list of full coverage providers and rates below.
| USAA | $82 | $978 |
| State Farm | $89 | $1,071 |
| GEICO | $95 | $1,137 |
| Allstate | $118 | $1,414 |
| Nationwide | $122 | $1,460 |
| Travelers | $123 | $1,480 |
| Progressive | $127 | $1,524 |
| Farmers | $135 | $1,618 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Nissan Versa owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Nissan Versa Insurance by Age
Younger drivers aged 16 to 25 and seniors 55 and up pay more for Nissan Versa insurance. Finding the lowest rate is important for many drivers in these age groups. Below is the breakdown of the cheapest options by age.
Cheapest Nissan Versa Insurance for Young Drivers
For Nissan Versa drivers aged 16 to 25, State Farm offers the cheapest insurance at $1,112 annually or $93 monthly for minimum coverage. Below is the complete list of affordable car insurance rates for young adults.
| USAA | $72 | $861 |
| State Farm | $93 | $1,112 |
| GEICO | $103 | $1,237 |
| Travelers | $116 | $1,388 |
| Allstate | $140 | $1,678 |
| Progressive | $161 | $1,928 |
| Nationwide | $164 | $1,972 |
| Farmers | $167 | $1,999 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Nissan Versa Insurance for Seniors
State Farm offers the cheapest car insurance for seniors 55 and up at $47 monthly or $562 annually. Check the full list of affordable Nissan Versa insurers below.
| USAA | $46 | $553 |
| State Farm | $47 | $562 |
| GEICO | $51 | $617 |
| Travelers | $66 | $797 |
| Nationwide | $72 | $869 |
| Allstate | $74 | $883 |
| Progressive | $74 | $888 |
| Farmers | $83 | $994 |
*State Farm is the cheapest insurer for non-military-affiliated senior drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Nissan Versa Insurance After an Accident
State Farm, GEICO and Travelers offer Nissan Versa drivers the most affordable car insurance after an accident. Check out the complete list below for more options.
| USAA | $53 | $635 |
| State Farm | $53 | $638 |
| GEICO | $68 | $811 |
| Travelers | $80 | $966 |
| Allstate | $83 | $991 |
| Progressive | $95 | $1,140 |
| Nationwide | $96 | $1,157 |
| Farmers | $123 | $1,478 |
*State Farm provides the lowest rates for non-military-affiliated, at-fault Nissan Versa drivers. USAA is the most affordable option for military-affiliated drivers.
Nissan Versa Insurance Cost: Bottom Line
Regularly compare rates from different providers to find the cheapest car insurance. This article covers Nissan Versa insurance, including costs across demographics and the most affordable providers.
Nissan Versa Insurance Rates: FAQ
Below are answers to common questions about Nissan Versa insurance costs, including affordable options and state minimum coverage details.
What company has the cheapest car insurance for a Nissan Versa?
State Farm offers the cheapest insurance for a Nissan Versa, with an annual minimum coverage rate of $511.
What is the average cost of car insurance for a Nissan Versa?
The Nissan Versa's average annual insurance cost is $631 for minimum coverage and $1,361 for full coverage.
Nissan Versa Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 4,183 Nissan Versa insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Nissan Versa:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Nissan Versa insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Nissan Versa.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis includes average full coverage policy rates with comprehensive and collision coverage (with a $1,000 deductible) and increased liability limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.