Compare the Cost of Nissan Versa Insurance by Model Year and Company

Driver’s age and model year significantly influence auto insurance rates for the Nissan Versa.

The average annual premium of a 2009 Nissan Versa for a 16-year-old is $5,657, while the same policy is $1,229 on average for a 40-year-old. Similarly, a 2022 model will only cost a 40-year-old driver $1,546 a year compared to a 16-year-old driver at $6,963 annually.

MoneyGeek ranked the top insurers by evaluating pricing, customer service and claims experience.

A Nissan Versa's yearly insurance cost averages $1,423, but your choice of insurance company could result in a lower or higher premium. The cheapest average full coverage auto insurance for the Nissan Versa is $1,067 per year from State Farm. Meanwhile, the most expensive comes from Farmers at $1,656 per year.

Average annual premiums for minimum coverage insurance for a Nissan Versa range from $511 through State Farm to up to $778 through Farmers. Compare prices from different providers to discover the cheapest auto insurance policies.

When determining the premium you'll pay to insure your Nissan Versa, insurers take several factors into consideration, including horsepower, theft rate and repair costs. NHTSA (National Highway Traffic Safety Administration) statistics show an above-average theft rate for the Nissan Versa. Because of the heightened risk to the insurer, premiums for these vehicles aren't cheap, making the Nissan Versa moderately priced to insure compared to other models.

When shopping for car insurance, price is just one factor to consider. Customer service and claims management are other important aspects to think about. We found that the following companies offer the best car insurance for the Nissan Versa:

• State Farm: MoneyGeek score 90 out of 100 ($1,067 per year)
• GEICO: MoneyGeek score 80 out of 100 ($1,146 per year)

State Farm is the most affordable insurer in our comparison pool and offers the second-best customer service rating. These scores mean you’ll get excellent service at a reasonable price when insuring your Nissan Versa.

The age of the insured vehicle heavily impacts the average cost of car insurance. Since a car's value decreases as it ages, insuring a brand-new model will cost more than protecting an older one. The Nissan Versa follows this trend, with an average full coverage policy costing $1,229 annually for a 2009 model while a 2022 model will cost $317 more per year.

Average auto insurance prices will also depend on the company you choose. State Farm is your best bet if you’re looking for the most cost-effective insurance for a Nissan Versa made in either 2009 or 2022. The average annual cost for a full coverage policy for these model years is $939 and $1,244, respectively. However, GEICO offers the most affordable auto insurance for a 2021 Nissan Versa at $1,225 annually.

There is a significant cost difference between auto insurance for teen drivers and those in their 30s and 40s. Full coverage insurance for a Nissan Versa costs an average of $6,284 per year for a 16-year-old but only $1,374 annually for a 40-year-old. Teenagers’ car insurance rates decline significantly every year they age before leveling off in their 20s.

Adding a teenage driver to a family policy can save a lot of money compared to purchasing separate policies. A full coverage policy for a 16-year-old driver with State Farm would cost $2,953 a year for a 2009 Nissan Versa, but the same policy with Progressive would set you back $7,615 yearly. Keep in mind that these are rates for individual policies. Young drivers and their families can save money on auto insurance for teens by shopping together for plans.

Where you live is just as significant a factor in determining your insurance premium as your age and the make and model year of your car. Car insurance rates vary widely from state to state. Our study found that the most expensive average rates are in Florida, and the cheapest are in Idaho. The best way to find cheap insurance quotes is to compare rates between the most affordable providers in your state.

When looking into Nissan Versa car insurance rates, drivers frequently have concerns about cost and coverage. We answered some of the most common questions about the subject below.