Finding cheap insurance for a Nissan Versa in California can be pretty simple, but it relies on a large number of factors such as your marital status, where you live, and physical damage deductibles. California drivers pay around $1,340 a year for Versa insurance, but that price is a valuation calculated using a 50-year-old single female driver with full comprehensive and collision coverage and $250 deductibles.
Odds are that you're not a 50-year-old female, possibly married instead of single, and you need different coverage limits than the sample rates. Having even a minor difference in rating variables or coverage information could result in a significant change in how much coverage for a Nissan Versa costs.
Car insurance coverage is unique to each driver, so this is why the way we recommend to find the cheapest insurance price for your Nissan is to do the rate comparisons yourself.
The trim level of your Versa tends to have a direct impact on price, so the price you will pay to insure a Versa 1.6 SEDAN will be $376 less than the cost to insure the higher-priced Versa 1.8 SL SEDAN trim level, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Versa 1.6 SEDAN | $218 | $464 | $500 | $30 | $150 | $1,362 | $114 |
| Versa 1.8 S Hatchback | $256 | $664 | $500 | $30 | $150 | $1,600 | $133 |
| Versa 1.8 S SEDAN | $256 | $664 | $500 | $30 | $150 | $1,600 | $133 |
| Versa 1.8 SL Hatchback | $294 | $764 | $500 | $30 | $150 | $1,738 | $145 |
| Versa 1.8 SL SEDAN | $294 | $764 | $500 | $30 | $150 | $1,738 | $145 |
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Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Premium costs do not factor in specific location which can revise coverage prices greatly.
Finding out which company offers the most affordable auto insurance rates for a Nissan Versa will involve a bit more effort in order to find the most economical policy. Each insurance company has their own unique process for setting prices, so we will examine the lowest cost auto insurance companies in California.
Keep in mind that Santa Ana auto insurance rates are impacted by many factors which can substantially decrease or increase the price you have to pay for coverage. Improving your credit score, buying a new vehicle, or having an at-fault accident may generate price changes that can cause some rates to be cheaper than competitors.
Best Cheap Insurance Rates for Your Versa
USAA generally has some of the lowest car insurance rates in Santa Ana at around $1,143 a year. This is $508 less than the average premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also qualify as some of the lowest-priced Santa Ana, CA car insurance companies.
As the example above demonstrates, if you are currently insured with Century National and switched to Wawanesa, you might achieve a yearly price reduction of roughly $57. Insureds with Nationwide might save as much as $93 a year, and 21st Century insureds might cut rates by $168 a year.
These premiums are averages for all types of insureds and vehicles and and are not calculated with an exact vehicle garaging location for a Nissan Versa. So the auto insurance company that fits your needs best may not even be in the list above. That emphasizes why you need to get rate quotes from many companies using your own individual information.
The chart below illustrates how your deductible choice can influence annual premium costs when researching cheap insurance for a Nissan Versa. The rates are based on a single female driver, full physical damage coverage, and no policy discounts are applied.
In the chart above, a 30-year-old driver could pocket $608 a year by changing from a $100 deductible to a $500 deductible, or save $908 by choosing a $1,000 deductible. Young drivers, like the 20-year-old category, could possibly save as much as $1,366 annually just by choosing higher deductibles.
When choosing a higher deductible, it's a good idea to have additional savings on hand to be able to pay the extra out-of-pocket expense that is associated with using high deductibles.
Careless driving habits raise auto insurance rates
The easiest way to enjoy low auto insurance prices in California for a Versa is to drive safe and avoid traffic citations and accidents. The example below illustrates how speeding tickets and at-fault fender-benders raise insurance premiums for different insured age categories. The data assumes a married male driver, full coverage, $250 deductibles, and no discounts are applied.
In the prior example, the average cost of a car insurance policy in Santa Ana per year with no accidents or violations is $2,450. Get one speeding ticket and the average cost rises to $2,815, an increase of $366 each year. Now get two accidents along with the one speeding ticket and the 12-month cost of auto insurance for a Nissan Versa increases to an average of $5,960. That's an increase of $3,511, or $293 per month, just for being a less-than-perfect driver!
Do you need full coverage?
Saving money on auto insurance is probably important to the majority of vehicle owners, and one way to find cheap insurance for a Nissan Versa is to buy liability only. The diagram below illustrates the difference between insurance rates with liability coverage only compared to full coverage. The premiums assume no claims or violations, $100 deductibles, marital status is single, and no discounts are factored in.
Averaged for all age groups, comprehensive and collision coverage on your policy costs $3,452 per year more than just buying liability insurance. Many drivers will wonder if full coverage is worth the money. There is no specific rule to drop physical damage coverage, but there is a guideline you can consider. If the annual cost of coverage is more than 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
For example, let's pretend your vehicle's claim settlement value is $11,500 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would get paid by your company is $10,500 after paying your deductible. If premiums are more than $1,050 a year for comprehensive and collision coverage, then you may want to consider only buying liability coverage.
There are some cases where eliminating full coverage is not financially feasible. If you haven't paid off your loan, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if you don't have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.