The Nissan Versa is a subcompact sedan that first debuted in the U.S. in 2006. Nissan officially discontinued the Versa at the end of 2025, which, unfortunately for consumers, eliminated the market's last new car priced under $20,000. If you still drive a Nissan Versa, it needs to be protected with the right car insurance.
When it's time to find the best Nissan Versa insurance, an independent insurance agent can assist you. These agents know where to get the right Nissan insurance at a great rate. But first, here's a breakdown of how much it costs to insure a Nissan Versa by model year and top-rated insurance company in 2026.
Key Takeaways - Nissan Versa Car Insurance
Nissan Versa insurance costs an average of $1,924 per year, or approximately $160 per month, for full coverage in 2026.
Nissan Versa insurance costs vary widely by state, with drivers in Wyoming paying an average of only $29 monthly for minimum coverage, while those in Louisiana pay $162.
Your age, location, credit, trim level, and driving history are all major factors that can influence the cost of Nissan Versa insurance.
USAA, Progressive, and Erie are the cheapest carriers for model-year 2025 Nissan Versa insurance this year.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Nissan Versa model.
What Is Nissan Versa Insurance?
Nissan Versa insurance is a specialized car insurance policy that offers customized coverage for your specific vehicle. As a subcompact car, the Versa is unlikely to require additional coverage beyond that needed by standard sedans. Additionally, the Versa's average car insurance rates trend cheaper than those for similar vehicles.
Recommended coverage options for Nissan Versa drivers:
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
Add-on coverage options worth considering for a Nissan Versa:
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Nissan parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- Gap insurance: If you have a new or financed Nissan vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Nissan warranty insurance: This can extend Nissan's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
Work with a local independent insurance agent to be certain that you're set up with all the required car insurance in your state. Your agent knows exactly which types of auto insurance coverage are mandatory for a Nissan Versa in your area.
How Much Does Nissan Versa Insurance Cost?
The average cost of car insurance for a Nissan Versa is $1,924 per year, or approximately $160 per month, for full coverage. Minimum coverage for a Nissan Versa costs an average of $998 annually, or approximately $83 monthly. However, several factors can influence the cost of Nissan insurance, including:
- The specific type of Versa you drive
- Your driving history
- Annual mileage
- The types and amount of coverage you need
- Vehicle safety features
- Your claims history
- Your location
- Your credit score (where allowed)
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Nissan Versa full coverage insurance or a basic Nissan Versa liability insurance policy.
Is the Nissan Versa Expensive to Insure?
No, the Nissan Versa isn't expensive to insure when compared to other Nissans and other vehicles in its class. The table below compares average auto insurance rates for the Nissan Versa with those for all Nissans and other cars in general.
| Vehicle | Average Monthly Cost of Full Coverage |
| Nissan Versa | $160 |
| All Nissans | $187 |
| All Sedans | $203 |
Average Nissan Versa Insurance Rates Compared to Similar Vehicles
The Nissan Versa's monthly average auto insurance rate is quite comparable to that of many similar vehicles, including the Fiat 500e, the Mitsubishi Mirage, the Mazda 2, and others. The table below compares the Nissan Versa's average auto insurance premiums to those of similar vehicles in its class.
| Vehicle | Average Monthly Cost of Car Insurance |
| Suzuki SX4 | $119 |
| Toyota Yaris | $119 |
| Fiat 500e | $120 |
| Nissan Versa | $121 |
| Mitsubishi Mirage | $122 |
| Mazda 2 | $123 |
| Volvo C30 | $123 |
Nissan Versa Insurance Costs by Model Year
Next, we'll break down several model years of the Nissan Versa and the average insurance costs for each.
| Model Year | Average Annual Cost of Car Insurance |
| 2025 Nissan Versa | $1,298 |
| 2024 Nissan Versa | $1,029 |
| 2023 Nissan Versa | $1,054 |
| 2022 Nissan Versa | $988 |
| 2021 Nissan Versa | $952 |
| 2020 Nissan Versa | $556 |
| 2019 Nissan Versa | $414 |
| 2018 Nissan Versa | $718 |
| 2017 Nissan Versa | $526 |
| 2016 Nissan Versa | $649 |
| 2015 Nissan Versa | $632 |
| 2014 Nissan Versa | $575 |
| 2013 Nissan Versa | $667 |
| 2012 Nissan Versa | $457 |
| 2011 Nissan Versa | $498 |
| 2010 Nissan Versa | $672 |
Cheapest Nissan Versa Car Insurance Companies for 2026
Some insurers offer more affordable Nissan Versa insurance than others. These top-rated Nissan car insurance companies provide the cheapest model-year 2025 Versa insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| USAA | $1,610 |
| Progressive | $1,660 |
| Erie | $2,194 |
| American Family | $2,327 |
| Nationwide | $2,605 |
| Allstate | $4,362 |
Nissan Versa Car Insurance Rates by State
Location is one of the main factors that affects car insurance premiums. Here are some average auto insurance rates for the Nissan Versa by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| 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 |
Average Nissan Versa Insurance Rates by Trim Level
Car insurance costs for the Nissan Versa are also affected by each vehicle's specific trim level. Here are some average Nissan Versa insurance rates by trim level in 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Note SR (2018.5) Hatchback 4d | $75 | $145 |
| S+ (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+ Hatchback 4d | $83 | $160 |
| Sedan 4d | $83 | $160 |
| SL Sedan 4d | $86 | $165 |
| SL Hatchback 4d | $87 | $167 |
| S | $93 | $180 |
| SL FE+ Hatchback 4d | $102 | $196 |
| SV | $110 | $214 |
| SR | $114 | $220 |
Average Nissan Versa Insurance Rates by Driver Age and Profile
Other major factors that can affect car insurance premium calculations include your age, driving history, and credit. Teens and young drivers pay the highest average insurance rates for a Nissan Versa. Auto insurance rates tend to decline considerably starting around age 25.
However, once a driver reaches about age 65, auto insurance rates begin to climb through their senior years. Here are some average Nissan Versa insurance rates by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $7,748 | $11,378 | $13,319 |
| 20 | $5,993 | $8,780 | $10,285 |
| 25 | $3,505 | $5,111 | $6,014 |
| 30 | $2,743 | $3,989 | $4,673 |
| 35 | $2,569 | $3,781 | $4,388 |
| 40 | $2,475 | $3,623 | $4,199 |
| 45 | $2,406 | $3,530 | $4,127 |
| 55 | $2,219 | $3,199 | $3,767 |
| 65 | $2,316 | $3,350 | $3,955 |
| 75 | $2,891 | $4,236 | $4,955 |
Best Nissan Versa Insurance Discounts: How to Lower Your Nissan Versa Insurance Premiums
Though Nissan Versa insurance tends to be affordable, there are still ways you can potentially reduce your car insurance premiums even further. Just try any of the following:
- Compare quotes from multiple carriers: Comparing Nissan Versa insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Nissan Versa insurance from a trusted carrier near you.
- Ask about Nissan Versa insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Ask about telematics programs: Your insurance company or Nissan may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
A local independent insurance agent can help you find the cheapest Nissan Versa car insurance in your area. They'll also help find the biggest discounts and other cost-saving opportunities to reduce your premiums as much as possible.
An Independent Insurance Agent Can Help You Get the Best Nissan Versa Insurance Quotes
When it's time to find the most affordable Nissan Versa insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Nissan Versa insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to lower your premium rates even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Nissan Versa Insurance
How much does Nissan Versa insurance cost per year?
The average annual cost of full coverage for a Nissan Versa is $1,924 per year, or approximately $160 per month, for full coverage. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Nissan Versa insurance premiums?
Having traffic accidents on your record, filing car insurance claims in the past, or living in a high-theft rate area can all increase the cost of Nissan Versa insurance.
Is the Nissan Versa expensive to insure?
No, the Nissan Versa isn't expensive to insure when compared to other vehicles, including other Nissan models.
What are the best and cheapest carriers for Nissan Versa insurance in 2026?
We found that Progressive, USAA, and Erie are the best and cheapest car insurance companies for model-year 2025 Nissan Versa insurance this year.
Is insurance cheaper for the Nissan Versa than for other Nissans?
Yes, the Nissan Versa's average monthly car insurance rate of $160 is significantly lower than the $187 average for other Nissan vehicles.
How can I get cheaper Nissan Versa insurance?
Finding cheaper Nissan Versa insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.moneygeek.com/insurance/auto/nissan-versa-insurance/
https://www.insuranceopedia.com/auto-insurance/nissan-versa-car-insurance
https://www.insuranceopedia.com/auto-insurance/nissan-sentra-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/nissan/versa/