Nissan Versa insurance costs average $83 per month for minimum coverage and $160 monthly for full coverage. Depending on your particular trim and model year, costs can range from $59 to $224 monthly.
Nissan Versa Insurance Cost
Updated: November 15, 2025
Key Takeaways
Monthly Nissan Versa insurance costs range from $59 to $224 depending on your specific trim level and model year choice.
The Nissan Versa ranks 233rd for insurance affordability among 827 vehicle models available in the United States auto market.
GEICO provides the most affordable full coverage for Nissan Versa drivers at $120 monthly, while minimum coverage policies start at just $55 per month.
How Much Is Nissan Versa Insurance?
| Nissan Versa | $83 | $160 |
Nissan Versa Insurance Cost by Model Year
Your Nissan Versa insurance rates change based on model year and trim options, with newer models generally costing more due to higher replacement values. Monthly premiums for different Versa model years span from $70 to $209, creating savings opportunities depending on your vehicle's age.
| 2025 | $108 | $209 |
| 2024 | $104 | $201 |
| 2023 | $84 | $162 |
| 2022 | $81 | $156 |
| 2021 | $70 | $135 |
| 2020 | $83 | $160 |
| 2019 | $82 | $159 |
| 2018 | $80 | $154 |
| 2017 | $83 | $160 |
| 2016 | $83 | $160 |
| 2015 | $80 | $155 |
| 2014 | $80 | $155 |
| 2013 | $79 | $152 |
| 2012 | $76 | $147 |
| 2011 | $92 | $176 |
| 2010 | $88 | $169 |
| 2009 | $84 | $162 |
| 2008 | $84 | $161 |
| 2007 | $79 | $151 |
Nissan Versa Insurance Cost by Trim
Your Nissan Versa's trim level affects insurance costs based on features, rarity, desirability and market value. Monthly premiums vary widely across trim options, ranging from $75 to $220 according to our analysis. Higher-end trims like the Sr model cost more to insure than basic S models.
| 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 |
Nissan Versa Insurance Cost by Company
Nissan Versa insurance costs vary by provider from $87 to $206 monthly. Minimum coverage ranges from $55 to $142, while full coverage costs $120 to $294. Rates vary due to different risk assessment models.
| GEICO | $55 | $120 |
| State Farm | $75 | $155 |
| Travelers | $76 | $140 |
| Kemper | $82 | $165 |
| Progressive | $86 | $160 |
| AAA | $92 | $191 |
| The Hartford | $93 | $158 |
| Amica | $100 | $204 |
| Nationwide | $100 | $172 |
| Allstate | $106 | $205 |
| Chubb | $110 | $215 |
| AIG | $119 | $294 |
| Farmers | $120 | $211 |
| UAIC | $142 | $177 |
Nissan Versa Insurance Cost by State
Nissan Versa insurance costs vary dramatically by location, ranging from $29 monthly in Wyoming to $348 in Louisiana.
| 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 Insurance Cost by Driver Profile
Your driving profile, especially age and driving history, dramatically impacts Nissan Versa insurance costs. Young drivers under 25 can expect monthly premiums around $406 even with clean records, while adult drivers between 26-64 typically pay just $160 monthly for the same coverage.
| Adult Drivers | $83 | $160 |
| Young Drivers | $213 | $406 |
| Senior Drivers | $111 | $203 |
| Drivers With a Speeding Ticket | $104 | $202 |
| Drivers With an Accident | $123 | $235 |
| Drivers With a DUI | $153 | $291 |
| Drivers With Bad Credit | $195 | $392 |
Is a Nissan Versa Expensive to Insure?
Compared to the rest of the models on the U.S. market, a Nissan Versa ranks 233rd out of 827, making it one of the more affordable cars to insure. Among subcompact sedans, the model ranks as the third most expensive.
| Suzuki Forenza | $67 | $128 |
| Chevrolet Aveo | $69 | $132 |
| Suzuki Aerio | $69 | $133 |
| Suzuki SX4 | $70 | $134 |
| Kia Spectra | $72 | $138 |
| Scion iA | $76 | $146 |
| Mercedes A-Class | $75 | $148 |
| Hyundai Accent | $81 | $157 |
| Kia Rio | $83 | $160 |
| Nissan Versa | $84 | $161 |
| Toyota Yaris | $87 | $167 |
| Chevrolet Sonic | $91 | $175 |
Factors That Affect Nissan Car Insurance Costs
Several factors affect your Nissan Versa insurance costs:
- Age (younger demographics): Appeals primarily to first-time buyers and young adults seeking affordable entry into new car ownership, though rates balance with careful, budget-minded driving patterns.
- Income (lowest end of market): Attracts buyers who prioritize maximum value and minimal operating costs, indicating extremely careful financial management and responsible ownership behavior.
- Usage patterns: Primarily used for essential transportation rather than recreational driving, with owners focused on reliability and economy rather than performance or luxury features.
Average Repair or Replacement Costs
Nissan ranks ninth in repair affordability among 59 U.S. automakers with median annual costs of $687. Nissan Versa repair costs average $410 annually, making it Nissan's most affordable model to repair.
Vehicle Trim, Features and Accessories
The Versa's minimal performance profile (122 horsepower, 0 to 60 in 9.5 seconds) keeps it in the lowest insurance risk category among all vehicle types. Three trim levels (S, SV, SR) offer basic to moderate features, with the highest SR trim adding LED headlights, 17-inch wheels and heated seats.
While premium SR features slightly increase replacement costs, the Versa's five-star NHTSA safety rating and comprehensive Safety Shield 360 technology can qualify owners for safety discounts. The budget-oriented nature means even premium trims remain affordable to insure.
Fuel Type
The Versa runs on regular gasoline with outstanding fuel economy (up to 40 mpg highway), making it extremely budget-friendly for daily operation. The efficient 1.6-liter four-cylinder engine is designed specifically for maximum fuel savings rather than performance.
This fuel efficiency attracts the most cost-conscious, responsible drivers who prioritize economy over power. These demographics typically exhibit careful driving habits and lower accident rates, which insurance companies reward with more favorable premium rates.
Location
Nissan Versa insurance rates vary by location, with higher concentrations among urban first-time buyers and budget-conscious rural drivers. As America's most affordable new car starting under $20,000, it appeals to diverse geographic markets seeking basic, reliable transportation.
Regional factors affecting Versa rates include local economic conditions and accident frequencies.
Driver Profile
Most Nissan Versa drivers are first-time buyers and extremely budget-conscious consumers with lower incomes. The owner profile includes young adults, students, families on tight budgets and anyone seeking the most affordable new car transportation.
Driver demographics affecting Nissan Versa rates:
How to Lower the Cost of Nissan Versa Insurance
Below we break down the best way to buy car insurance for your Nissan Versa:
- 1Choose the right coverage
How much coverage to buy for your Nissan depends on what the car is worth, how often you’re on the road and how much room you have in your budget. You can choose the minimum with a $1,000 deductible or step up to 100/300/100 with a $500 deductible, and lenders may require gap insurance if the vehicle is financed or leased.
- 2Research costs and cheap companies
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.
- 3Look for more than just low rates
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.
- 4Explore discounts you qualify for
Nissan Versa owners can lower their insurance bills by tapping into discounts tied to low mileage, good grades, bundled policies, strong safety tech and first-time driver programs. Since many Versa drivers are budget-focused, drive fewer miles and are either students or new car owners, these savings tend to line up easily and cut overall costs fast.
- 5Consider alternative car insurance types
Nissan Versa owners should consider usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6Check rates every year
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.
Nissan Versa Insurance Cost: Bottom Line
Insuring a Nissan Versa costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Nissan Versa Insurance Rates: FAQ
Here are answers to common questions about insuring a Nissan Versa.
What is the average cost of car insurance for a Nissan Versa?
The Nissan Versa's average annual insurance cost is $998 yearly for state minimum and $1,924 for full coverage.
What company has the cheapest car insurance for a Nissan Versa?
GEICO offers the most affordable Versa insurance coverage in both categories. For comprehensive full coverage protection, GEICO provides the cheapest rates at $120 monthly. Drivers seeking basic minimum coverage can also turn to GEICO for the lowest premiums at $55 per month.
Are Nissan Versas expensive to insure?
Out of 827 vehicles we track, the Versa ranks 233rd for affordability. This model is more expensive to insure among subcompact sedans.
What factors affect insurance costs for Nissan Versas?
Several things drive up your Nissan Versa rates. Repairs cost more because of specialized parts and the aluminum body. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too.
How can I lower Nissan Versa insurance costs?
Shop around with multiple insurers as rates vary for Nissans, and consider usage-based insurance programs that track your driving habits. Take advantage of Nissan's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Nissan Versa Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you the most accurate Nissan Versa insurance costs.
Who We Based These Rates On
These Nissan Versa prices reflect what a typical 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. 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.