Nissan Versa Insurance Cost

Three things matter when choosing how much coverage to buy: what your Nissan's worth, how much you drive and what you can afford to spend:

Tight budget (you own the car):

• Your state's minimum liability requirements
• Add comprehensive and collision with a $1,000 deductible

Want better protection (you own the car):

• 100/300/100 liability coverage
• Comprehensive and collision with a $500 deductible

Financing or leasing:

• 100/300/100 liability coverage
• Comprehensive and collision with a $500 deductible
• Gap insurance (most lenders require this)

*Coverage Limits Explained (100/300/100):

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage coverage

Researching average auto insurance costs for your car will give you an idea of how much you're saving currently and with another provider. You can then look for the cheapest car insurance companies.

To get the most balanced car insurance for your Nissan Versa, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles. Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.

Finding car insurance discounts you'll likely qualify for will go a long way in ensuring you get the cheapest rate possible. The five discounts below are the most likely we found that Nissan Versa owners will qualify for:

• Low Annual Mileage Discount (5% to 20% savings): As "America's cheapest new car," the Versa attracts budget-conscious buyers who often use it primarily for basic transportation needs rather than long-distance driving. Many insurers offer discounts for drivers who log fewer than 7,500 or 10,000 miles annually, making this particularly relevant for Versa owners focused on minimal driving costs.
• Good Student Discount (5% to 25% savings): The Versa's status as the only new car available under $20,000 makes it especially popular with college students and young adults starting their careers. Students maintaining a B average or better can often qualify for discounts, which pairs perfectly with the vehicle's budget-friendly appeal.
• Bundling/Multi-Policy Discount (5% to 25% savings): Many Versa buyers are establishing their first independent households and need multiple insurance policies for the first time. Bundling auto insurance with renters or new homeowners coverage can provide substantial savings that help offset insurance costs for these budget-conscious buyers.
• Safety Features/Advanced Safety Discount (5% to 40% savings): Despite its low price point, the 2025 Nissan Versa earned a 5-star NHTSA overall safety rating and comes standard with Safety Shield 360, including automatic emergency braking with pedestrian detection, lane departure warning, and rear automatic braking. Insurance companies often reward vehicles with comprehensive standard safety features.
• First-Time Car Owner/New Driver Discount (5% to 15% savings): Since the Versa is frequently purchased as a first car due to its affordability, many owners qualify for programs specifically designed for new drivers. Some insurers offer discounts for completing defensive driving courses, which can be especially valuable for the young, budget-conscious demographic that gravitates toward this vehicle.

Nissan Versa owners should consider usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.

Comparing car insurance quotes from multiple sources can cut your Nissan Versa insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.