Estimates, not quotes

Nissan Versa Insurance Cost

Full coverage for a Nissan Versa costs about $1,825 a year ($152/month) by our estimate — ▲ +15% versus the average vehicle.

Nissan Versa exterior (photo from Wikimedia Commons)
Photo: MercurySable99, CC BY-SA 4.0
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

Nissan Versa insurance cost at a glance

Full coverage
$1,825
$152/mo · $1,495–$2,150
Minimum liability
$820
$68/mo
Segment
Compact car
Gasoline
HLDI collision losses
115
Worse than average (100 = avg)
NHTSA overall
★★★★★
2025 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2025 model year. Our vehicle data covers the 2007–2025 model years of the Nissan Versa, which is no longer in production.

Estimated Nissan Versa premium by coverage level (national average rates)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $820 $68 $670–$965
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $1,185 $99 $975–$1,400
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,825 $152 $1,495–$2,150

What drives the cost of insuring a Nissan Versa

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Nissan Versa's results put our vehicle factor at 1.33× for liability, 1.12× for collision and 0.76× for comprehensive.

HLDI relative insurance losses — Nissan Versa (Small Four-door cars)
CoverageIndexRatingWhat it measures
Collision115Worse than averageDamage to this car in crashes; driven by repair costs and crash frequency
Comprehensive73Much better than averageTheft, vandalism, glass, weather and animal damage
Property damage liability128Much worse than averageDamage this car does to other vehicles and property
Bodily injury liability183Much worse than averageInjuries to people in other vehicles (claim frequency)
Personal injury protection177Much worse than averageInjuries to occupants of this car (claim frequency)
Medical payments197Much worse than averageInjuries to occupants of this car (claim frequency)
  • Repair and parts costs: Compact car — mainstream parts availability keeps repairs moderate.
  • Safety: 5-star NHTSA overall rating (frontal 4★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
  • Recalls & complaints: 1 NHTSA recall campaigns and 144 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Nissan Versa trims and configurations (2025)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

ConfigurationDriveEngineMPG (comb.)
VersaFWD1.6L 4-cyl35

Nissan Versa insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model yearEnginesDriveMPGEst. full / yr
20251.6L 4-cylFWD30–35$1,825
20241.6L 4-cylFWD30–35$1,790
20231.6L 4-cylFWD30–35$1,760
20221.6L 4-cylFWD30–35$1,730
20211.6L 4-cylFWD30–35$1,695
20201.6L 4-cylFWD30–35$1,665
20191.6L 4-cylFWD30–34$1,635
20181.6L 4-cylFWD29–34$1,600
20171.6L 4-cylFWD29–34$1,570
20161.6L 4-cylFWD29–34$1,540
20151.6L 4-cylFWD29–34$1,535
20141.6L 4-cylFWD30–35$1,535
20131.6L 4-cylFWD30–35$1,535
20121.6L 4-cyl, 1.8L 4-cylFWD27–33$1,535
20111.6L 4-cyl, 1.8L 4-cylFWD27–30$1,535
20101.6L 4-cyl, 1.8L 4-cylFWD27–30$1,535
20091.6L 4-cyl, 1.8L 4-cylFWD27–30$1,535
20081.8L 4-cylFWD27–29$1,535
20071.8L 4-cylFWD27–28$1,535

Nissan Versa insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Versa page for that state.

StateFull coverageMinimumvs. nationalVersa page
Alabama$1,555$640−15%Versa in AL
Alaska$1,595$830−13%Versa in AK
Arizona$1,910$880+5%Versa in AZ
Arkansas$1,545$600−15%Versa in AR
California$1,785$765−2%Versa in CA
Colorado$2,000$870+10%Versa in CO
Connecticut$1,985$950+9%Versa in CT
Delaware$2,105$1,070+15%Versa in DE
District of Columbia$2,290$990+25%Versa in DC
Florida$2,720$1,440+49%Versa in FL
Georgia$2,325$1,160+27%Versa in GA
Hawaii$1,250$580−32%Versa in HI
Idaho$1,225$535−33%Versa in ID
Illinois$1,560$665−15%Versa in IL
Indiana$1,275$540−30%Versa in IN
Iowa$1,155$410−37%Versa in IA
Kansas$1,375$535−25%Versa in KS
Kentucky$1,535$705−16%Versa in KY
Louisiana$2,530$1,055+39%Versa in LA
Maine$1,140$565−38%Versa in ME
Maryland$2,075$1,005+14%Versa in MD
Massachusetts$1,800$790−1%Versa in MA
Michigan$1,975$1,020+8%Versa in MI
Minnesota$1,460$625−20%Versa in MN
Mississippi$1,695$705−7%Versa in MS
Missouri$1,610$680−12%Versa in MO
Montana$1,365$525−25%Versa in MT
Nebraska$1,380$535−24%Versa in NE
Nevada$2,200$1,155+21%Versa in NV
New Hampshire$1,285$535−30%Versa in NH
New Jersey$2,280$1,245+25%Versa in NJ
New Mexico$1,610$695−12%Versa in NM
New York$2,515$1,240+38%Versa in NY
North Carolina$1,315$595−28%Versa in NC
North Dakota$1,075$370−41%Versa in ND
Ohio$1,280$540−30%Versa in OH
Oklahoma$1,570$630−14%Versa in OK
Oregon$1,680$835−8%Versa in OR
Pennsylvania$1,555$565−15%Versa in PA
Rhode Island$2,265$1,095+24%Versa in RI
South Carolina$1,980$975+8%Versa in SC
South Dakota$1,245$420−32%Versa in SD
Tennessee$1,480$600−19%Versa in TN
Texas$2,100$920+15%Versa in TX
Utah$1,695$870−7%Versa in UT
Vermont$1,140$425−38%Versa in VT
Virginia$1,565$835−14%Versa in VA
Washington$1,625$785−11%Versa in WA
West Virginia$1,460$580−20%Versa in WV
Wisconsin$1,205$495−34%Versa in WI
Wyoming$1,285$435−30%Versa in WY

Nissan Versa insurance by driver profile

Estimated annual Nissan Versa premium by driver (national average rates)
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $2,250 $3,260 $5,010 $418
Young adult (22) $1,310 $1,900 $2,915 $243
Adult in their 30s $820 $1,185 $1,825 $152
Adult in their 50s $755 $1,090 $1,675 $140
Senior (72) $915 $1,330 $2,040 $170
30s, one at-fault accident $1,185 $1,720 $2,645 $220
30s, DUI on record $1,515 $2,195 $3,370 $281

Nissan Versa vs. rivals

ModelFull coverage / yrHLDI collisionHLDI comprehensiveComparison
Nissan Versa$1,82511573—
Honda Civic$1,79012188Compare
Toyota Corolla$1,70510289Compare
Kia Forte$1,955128108Compare

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Frequently asked questions

How much is insurance for a Nissan Versa?

We estimate about $1,825 a year ($152 a month) for full coverage and $820 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 15% more than the average vehicle.

Is the Nissan Versa expensive to insure?

HLDI insurance-loss data rates it at 115 for collision and 73 for comprehensive losses (100 = average of all vehicles), meaning collision losses are worse than average.

Which state is cheapest to insure a Nissan Versa?

North Dakota has the lowest estimate (about $1,075 a year for full coverage) and Florida the highest (about $2,720).

What is the Nissan Versa's NHTSA safety rating?

The 2025 Nissan Versa earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Nissan Versa cheaper to insure than the Honda Civic?

By our estimate the Nissan Versa costs about $1,825 a year versus $1,820 for the Honda Civic, making the Honda Civic cheaper to insure.

How much is Nissan Versa insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $5,010 a year at national-average rates by our estimate.

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