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
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?
The Nissan Versa ranked 18th for insurance affordability out of 52 hatchbacks. 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. 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: It has the lowest repair costs of any Nissan model.
- Vehicle Trim, Features and Accessories: Trims range from 122 to 150 horsepower. The higher horsepower vehicles cost more to insure.
- Driver Profile: Versa drivers are usually between 25 to 34 years old, with a median age of 30. Insurers price in the risk-taking behaviors associated with these younger drivers. 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. 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 premiums range from $75 a month for minimum coverage on the Note SR Hatchback to $220 a month for full coverage on the SR. A trim's market value and repair costs determine where it falls in that 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
Coverage needs depend on how you own the Versa. Paid off: state minimum liability plus comprehensive and collision at a $1,000 deductible is the baseline. Financed or leased: lenders require 100/300/100 liability limits, comprehensive and collision at a $500 deductible and gap insurance.
If you own outright and want higher liability limits, 100/300/100 with a $500 deductible is the step up.
- 2Know what you should be paying
Research average auto insurance costs for economy sedans give you a baseline before you start getting quotes. Without that reference point, an above-market quote looks normal. Our data on the cheapest car insurance companies shows which carriers price low for Versa drivers specifically.
- 3Check insurer quality, not just price
A low quote from an insurer with poor claims handling isn't a deal. Before committing, check J.D. Power satisfaction ratings, AM Best financial stability scores and BBB complaint records.
Our guide to the best car insurance companies covers all of those factors together.
- 4Find every discount you qualify for
Nissan Versa owners commonly qualify for safety feature discounts, good driver credits, multi-vehicle savings and bundling discounts. The full list of car insurance discounts shows what's available and which ones stack.
- 5Consider usage-based insurance
Progressive Snapshot and Allstate Drivewise monitor speed, braking and mileage, then price the policy on actual driving behavior. Versa drivers who keep mileage low and drive conservatively tend to come out ahead on these programs.
- 6Check Rates Every Year
Insurers don't flag when competitors drop their rates. Comparing quotes at each renewal catches pricing shifts before they compound.
Nissan Versa Insurance Cost: Bottom Line
The Nissan Versa costs less to insure than most comparable economy sedans. Comparing quotes from at least three insurers and stacking available discounts will cut that figure further.
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. Annual repair costs average $410, the lowest of any Nissan model, and theft rates are below average.
How can I lower Nissan Versa insurance costs?
Get quotes from at least three insurers before committing because Versa rates vary more between companies than the vehicle's economy positioning suggests. Stack every discount you qualify for: good driver, multi-vehicle and bundling home or renters insurance are the highest-value options.
Usage-based programs like Progressive Snapshot cut costs further for lower-mileage drivers with clean habits.
How We Determined Nissan Versa Insurance Costs
Nissan Versa cost estimates are drawn from hundreds of millions of quote estimates for U.S. models sold from 2000 to 2025. Data are from Quadrant Information Services. Rates reflect a 40-year-old unmarried male driver with a clean record, no prior claims, a good credit score, a valid license with no suspensions and 12,000 miles driven annually.
Coverage definitions. Minimum coverage reflects state-required liability limits. Full coverage is 100/300/100 liability plus comprehensive and collision with $1,000 deductibles.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.