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: January 19, 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.
While it's middle-of-the-pack among hatchbacks, the Versa actually ranks 233rd out of 827 total vehicles, placing it in the top 30% most affordable cars to insure. Hatchbacks tend to be pricier as a category, with the Saab 9-3 offering the lowest rates and the Cadillac Celestiq commanding the highest premiums.
| 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 |
Several factors affect what you'll pay for Nissan Versa insurance:
- Average Repair or Replacement Costs: The Nissan Versa's $410 annual repair costs make it Nissan's most affordable model to maintain out of 26 options, helping keep insurance premiums relatively low.
- Vehicle Trim, Features and Accessories: Higher performance trims with horsepower ranging from 122 to 150 can increase your premiums. More powerful variants cost more to insure due to their enhanced performance capabilities.
- Driver Profile: Most Versa drivers are 25 to 34 years old with a median age around 30. The vehicle's performance reputation attracts risk-taking behaviors that concern insurers. Read more about the costs of Nissan Versas for young drivers.
Nissan Versa Insurance Cost by State
Car insurance for a Nissan Versa costs anywhere from $29 per month in Wyoming to $162 in Louisiana for minimum coverage. These differences reflect your state's risk characteristics and insurance regulations rather than anything about the vehicle itself.
| 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
Learn what you should pay by reviewing average auto insurance costs for compact cars. This benchmark assists with shopping for the cheapest car insurance companies with competitive rates. Understanding typical pricing helps you identify genuine deals versus inflated quotes.
- 3Look for More than Just Low Rates
Finding quality car insurance means evaluating insurers beyond their quotes. Check J.D. Power satisfaction ratings, examine forum discussions about claims processing, review Better Business Bureau complaints and confirm AM Best financial stability. Budget insurers might offer limited coverage or slower service when you need help most.
- 4Explore Discounts You Qualify For
Discover car insurance discounts that apply to your situation. Nissan Versa owners often qualify for safety features discounts, good driver rewards, multi-vehicle savings and bundling discounts. These reductions can lower your annual premiums when combined together.
- 5Consider Alternative Car Insurance Types
Nissan Versa owners might benefit from usage-based insurance programs like Progressive Snapshot or Allstate Drivewise. These options track safe driving habits and deliver premium reductions based on your actual driving behavior rather than statistical averages.
- 6Check Rates Every Year
Get car insurance quotes from multiple companies annually. Your insurer doesn't notify you when competitors lower their prices, so yearly comparisons could save up to 24% on your Nissan Versa insurance. Set a calendar reminder to shop around each renewal period.
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?
Various elements affect Nissan Versa insurance rates, though this model ranks among the more budget-friendly options to insure. Your personal driving record and credit score impact premiums, along with your coverage selections. The Versa's affordable repair costs and lower theft rates help keep insurance expenses manageable compared to other vehicles.
How can I lower Nissan Versa insurance costs?
Compare quotes from multiple insurers since Nissan Versa costs differ between companies, and explore usage-based programs that monitor your driving behavior. Claim available discounts, bundle with home or renters insurance, and maintain a clean driving record to secure better rates.
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.