Finding the cheapest car insurance for a Nissan Versa is dependent upon a pretty complex algorithm that uses a lot of factors such as annual miles driven, your credit score, and your choice of physical damage deductibles. Drivers in Washington will pay around $714 annually for Versa insurance, but that figure is a projection using a 50-year-old single male driver with full coverage and $1,000 deductibles.
But there is a high likelihood that you are not 50 years old and maybe not even male, you might be married instead of single, and you need different coverage limits than the sample rates. Everone’s needs are different, and this illustrates why the best method for finding the cheapest coverage for your Nissan is to just compare rates yourself. To start saving now, get free quotes and you will receive rate quotes from some of the best insurers that insure Nissan vehicles in Washington.
The specific trim level will most likely have an effect on the insurance rate, so the price you pay to insure a Versa 1.6 SEDAN model will be $166 less expensive the cost to insure the higher-end Versa 1.8 SL SEDAN version, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Versa 1.6 SEDAN||$90||$204||$334||$20||$100||$748||$62|
|Versa 1.8 S Hatchback||$106||$294||$334||$20||$100||$854||$71|
|Versa 1.8 S SEDAN||$106||$294||$334||$20||$100||$854||$71|
|Versa 1.8 SL Hatchback||$122||$338||$334||$20||$100||$914||$76|
|Versa 1.8 SL SEDAN||$122||$338||$334||$20||$100||$914||$76|
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Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Premium amounts do not factor in Seattle location which can increase or decrease coverage rates considerably.
Finding out which insurers offer the most affordable insurance rates for a Nissan Versa will involve a bit more effort in order to find a policy that fits your budget.
Every auto insurer has their own formula for setting prices, so to begin we’ll rank the insurance companies with the overall best prices in Seattle. It’s important that readers know that Seattle insurance rates are influenced by many factors that control the price of your policy. Simply getting older, getting married, or having an at-fault accident can cause premium changes resulting in some companies being more affordable than before.
Compare Cheap Insurance Quotes for Your Versa
|Rank||Company||Cost Per Year|
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Capital offers some of the best car insurance rates in Seattle at around $777 a year. This is $635 less than the average price paid by Washington drivers of $1,412. Grange, Nationwide, PEMCO, and Travelers also make the cut as some of the cheaper Seattle, WA insurance companies.
As shown above, if you are a customer of Grange and switched to Capital, you could earn an annual premium reduction of upwards of $61. Drivers with Nationwide could save as much as $184 a year, and PEMCO customers might see rate reductions of $187 a year.
To find the cheapest rates for your vehicle, click here to start your custom quote or visit any of the companies below.
Remember that these policy rates are averaged across all drivers and vehicles in Washington and and are not calculated with a specific zip code for a Nissan Versa. So the auto insurance company that fits your age and vehicle best may not even be in the top 25 companies shown above. That illustrates why you need to get car insurance quotes using your own driver and vehicle profiles.
The chart below illustrates how your deductible choice can impact annual premium costs when searching for cheap insurance for a Nissan Versa. The data is based on a married female driver, comp and collision included, and no policy discounts are applied.
As shown above, a 30-year-old driver could lower their policy premium by $306 a year by switching from a $100 deductible to a $500 deductible, or save $460 by changing to a $1,000 deductible. Younger drivers, like the Age 20 category, can save as much as $648 or more by choosing a larger deductible amount.
When raising deductibles, it will be necessary to have plenty of money set aside to enable you to cover the extra out-of-pocket expense that is associated with using high deductibles.
Violations and accidents raise rates
The easiest way to maintain the best insurance premiums in Seattle for a Versa is to drive safe and avoid accidents and traffic violations. The illustration below demonstrates how citations and accidents drive up insurance costs for different insured age categories. The prices are based on a married male driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.
In the prior example, the average cost of an auto insurance policy in Seattle per year with no accidents or violations is $1,382. Factor in one speeding ticket and the average cost rises to $1,590, an increase of $208 each year. Then throw in two accidents along with the one speeding ticket and the yearly cost of insurance for a Nissan Versa goes up to an average of $3,486. That’s an increase of $2,104, or $175 per month, just for not keeping your driving record clean!
Types of discounts on Seattle car insurance
Insurance providers that provide policies for a Nissan Versa may also give you rate discounts that could potentially reduce rates by 25% or more if you meet the requirements. A list of insurance companies and the discounts they provide are:
- American Family policyholders can earn discounts including defensive driver, good student, early bird, accident-free, and TimeAway discount.
- State Farm discounts include anti-theft, passive restraint, Drive Safe & Save, accident-free, safe vehicle, and driver’s education.
- 21st Century may include discounts for theft prevention, air bags, student driver, teen driver, defensive driver, and automatic seat belts.
- Travelers offers premium reductions for save driver, new car, multi-car, multi-policy, home ownership, and driver training.
- GEICO has discounts for anti-theft, air bags, good student, emergency military deployment, and anti-lock brakes.
The diagram below illustrates the comparison of insurance premiums with and without discounts being applied to the rates. The price estimates are based on a female driver, a clean driving record, no claims, Washington state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with claim-free, anti-theft, passive restraint, multiple policy, homeowner, and accident-free discounts applied. When drivers take advantage of discounts, theaverage amount saved on insurance for a Nissan Versa is 28% or $605.