Toyota Corolla vs Nissan Versa Insurance Cost

The Toyota Corolla is cheaper to insure by about $120 a year for full coverage by our estimate ($1,705 vs. $1,825), and cheaper in 49 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Toyota Corolla	Nissan Versa	Difference
State minimum	$710	$820	−$110
Standard (100/300/100)	$1,025	$1,185	−$160
Full coverage	$1,705	$1,825	−$120

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Corolla minus Versa.

Why one costs more to insure

Factor	Toyota Corolla	Nissan Versa
Segment	Compact car	Compact car
Powertrains	Gasoline, Hybrid	Gasoline
HLDI collision (100 = avg)	102	115
HLDI comprehensive	89	73
HLDI property damage liability	114	128
HLDI bodily injury liability	137	183
NHTSA overall rating	5★	5★
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	3	1

Collision losses are the biggest swing factor: the Nissan Versa has 13 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Nissan Versa.

Corolla vs Versa insurance by state

State	Corolla	Versa	Difference
Alabama	$1,475	$1,555	−$80
Alaska	$1,490	$1,595	−$105
Arizona	$1,790	$1,910	−$120
Arkansas	$1,480	$1,545	−$65
California	$1,665	$1,785	−$120
Colorado	$1,920	$2,000	−$80
Connecticut	$1,830	$1,985	−$155
Delaware	$1,930	$2,105	−$175
District of Columbia	$2,145	$2,290	−$145
Florida	$2,480	$2,720	−$240
Georgia	$2,135	$2,325	−$190
Hawaii	$1,170	$1,250	−$80
Idaho	$1,155	$1,225	−$70
Illinois	$1,470	$1,560	−$90
Indiana	$1,205	$1,275	−$70
Iowa	$1,130	$1,155	−$25
Kansas	$1,335	$1,375	−$40
Kentucky	$1,435	$1,535	−$100
Louisiana	$2,365	$2,530	−$165
Maine	$1,080	$1,140	−$60
Maryland	$1,925	$2,075	−$150
Massachusetts	$1,675	$1,800	−$125
Michigan	$1,855	$1,975	−$120
Minnesota	$1,405	$1,460	−$55
Mississippi	$1,615	$1,695	−$80
Missouri	$1,535	$1,610	−$75
Montana	$1,335	$1,365	−$30
Nebraska	$1,340	$1,380	−$40
Nevada	$2,000	$2,200	−$200
New Hampshire	$1,210	$1,285	−$75
New Jersey	$2,085	$2,280	−$195
New Mexico	$1,520	$1,610	−$90
New York	$2,315	$2,515	−$200
North Carolina	$1,255	$1,315	−$60
North Dakota	$1,060	$1,075	−$15
Ohio	$1,210	$1,280	−$70
Oklahoma	$1,515	$1,570	−$55
Oregon	$1,550	$1,680	−$130
Pennsylvania	$1,475	$1,555	−$80
Rhode Island	$2,080	$2,265	−$185
South Carolina	$1,840	$1,980	−$140
South Dakota	$1,260	$1,245	+$15
Tennessee	$1,405	$1,480	−$75
Texas	$2,000	$2,100	−$100
Utah	$1,565	$1,695	−$130
Vermont	$1,090	$1,140	−$50
Virginia	$1,465	$1,565	−$100
Washington	$1,500	$1,625	−$125
West Virginia	$1,405	$1,460	−$55
Wisconsin	$1,155	$1,205	−$50
Wyoming	$1,285	$1,285	—

By driver profile (full coverage)

Driver	Corolla	Versa
Teen driver (18, own policy)	$4,695	$5,010
Young adult (22)	$2,730	$2,915
Adult in their 30s	$1,705	$1,825
Adult in their 50s	$1,570	$1,675
Senior (72)	$1,910	$2,040
30s, one at-fault accident	$2,475	$2,645
30s, DUI on record	$3,155	$3,370

More comparisons

Frequently asked questions

Is the Toyota Corolla or the Nissan Versa cheaper to insure?

By our estimate the Toyota Corolla is cheaper, by about $120 a year for full coverage ($1,705 vs. $1,825) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Toyota Corolla and Nissan Versa?

Mostly because of insurance-loss history: HLDI collision indices of 102 vs. 115 and comprehensive indices of 89 vs. 73 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page