How much is insurance on a Nissan Versa?

Priced for the 2024 Versa, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Versa's rank is the same in every state.

Why the Nissan Versa costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Nissan Versa, on HLDI's scale where 100 is an average car and lower is better, it reports 115 for crash repairs, 73 for non-crash damage, 128 for damage to others' property, and 183 for injury claims.

• Crash repairs (collision)fixing this car after a crashAverage15% worse than average7th best of the 12 small four-door cars we compare
• Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesBetter than average27% better than average3rd best of the 12 small four-door cars we compare
• Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultWorse than average28% worse than average10th best of the 12 small four-door cars we compare
• Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costSubstantially worse than averagefiled 83% more often than average9th best of the 11 small four-door cars we compare

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Versa comes out about 3% worse than average. We count about a third of that difference, so the part of the bill that fixes the car is about 1% more than average: about $960 a year vs $950. On the liability side, damage to others and injury claims combine to about 59% worse than average. Counting about half would go past the band insurers' own car ratings stay inside, so we hold that part at 25% more than average: $1,240 a year vs $990.

How the math works

In EPA size classes, the Versa is a small car (gas-powered). In Highway Loss Data Institute loss tables, the Nissan Versa is benchmarked against small four-door cars.

Matched to HLDI series “Nissan Versa” (HLDI, 2022–24 models).

A used Nissan Versa, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.

Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Versa (0–3 years old)	about $2,200	about $1,240	+$1,450	about $6,320
2022 Versa (4–7 years old)	about $2,090	about $1,240	+$1,380	about $5,980
2018 Versa (8–12 years old)	about $1,960	about $1,190	+$1,290	about $5,610
2013 Versa (13 or more years old)	about $1,730	about $1,130	+$1,140	about $4,970

Our catalog covers the Nissan Versa across model years 2007–2025. Full coverage on a used 2013 Versa (13 or more years old) runs about $1,730 a year, $470 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $1,130 a year. Each photo shows that year's generation of the car. Photo credits.

For the 2024 Nissan Versa, our catalog lists the Versa configuration at about $2,200 a year.

On a policy of their own with a 2024 Nissan Versa, a 22–25-year-old pays about $2,860 a year ($660 more than a 45-year-old), a 26–39-year-old about $2,440, and a driver 65 and older about $2,310.

Adding a 16-year-old with a Nissan Versa

A new driver costs more with any car, and more than usual with the Nissan Versa: adding a 16-year-old raises the family bill by about $1,450 a year ($120 a month), $170 more than adding a teen with an average car of the same age. A separate policy in the 16-year-old's own name runs about $6,320 a year ($4,860 more than adding them to the family policy).

For adding a teen driver, the Nissan Versa ranks 21st most expensive out of all 121 models we track. Stepping down to a used 2013 Versa (13 or more years old) brings the teen add-on to about $1,140 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar small four-door cars

Among these 12 small four-door cars, the Nissan Versa is the 5th most expensive to insure. Right next to it are the Honda Civic (about $2,150 a year) and the Hyundai Elantra (about $2,230).

• 2024 Nissan Kicksabout $2,010 ($190 less)
• 2024 Mazda 3about $2,030 ($170 less)
• 2024 Toyota Corollaabout $2,070 ($130 less)
• 2024 Honda Civicabout $2,150 (about the same)
• 2024 Nissan Versaabout $2,200 (this car)
• 2024 Hyundai Elantraabout $2,230 (about the same)
• 2024 Nissan Sentraabout $2,260 (about the same)
• 2024 Kia Forteabout $2,270 ($70 more)
• 2024 Acura Integraabout $2,300 ($100 more)

Photos from Wikimedia Commons contributors. Photo credits.

What a Nissan Versa costs in your state

In six sample states, a 2024 Nissan Versa runs from about $1,530 a year in Wisconsin through Tennessee, Pennsylvania, Arizona and Rhode Island to about $2,900 in New York:

• Wisconsinabout $1,530/yr · +$1,010 teen
• Tennesseeabout $1,850/yr · +$1,220 teen
• Pennsylvaniaabout $1,950/yr · +$1,280 teen
• Arizonaabout $2,300/yr · +$1,520 teen
• Rhode Islandabout $2,620/yr · +$1,730 teen
• New Yorkabout $2,900/yr · +$1,910 teen

All 50 states and DC · Updated November 5, 2026.

Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.

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