Best Cheap Insurance for a Nissan Versa in Indiana

Your ability to find affordable coverage for a Nissan Versa in Indiana depends on a lot of rating criteria like how many years you have been driving, if you are a frequent claim filer, and the level of deductible you choose. Drivers in Indiana pay on average $790 every 12 months for Versa insurance, but that price is an estimation based on rate data for a 50-year-old married female driver who requires full coverage and $100 policy deductibles.

More likely than not, you are not 50 years old and maybe not even female, maybe you are single instead of married, or maybe you’re a renter instead of a homeowner. What appears to be a small change in rating variables can precipitate large changes in the cost of insurance for a Nissan Versa.

Having different needs demonstrates why the way we recommend to find cheap car insurance rates for your Nissan is to quote often and with as many companies as possible. In less than five minutes you will receive price comparisons from the cheapest companies that sell coverage in Indiana.

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The trim level of your Nissan tends to have a direct effect on the yearly cost, so the rate you pay to insure a Versa 1.6 SEDAN model will be $242 less than the insurance cost for the more costly Versa 1.8 SL SEDAN model, as shown in the table below.

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Rate quotes do not factor in vehicle location which can increase or decrease auto insurance rates significantly.

What is the best auto insurance company in Indiana?

Finding the right auto insurance provider can be a challenge considering how many companies there are to choose from in Indiana. The rank data in the next section can help you pick which coverage providers to look at when trying to find cheaper insurance for a Nissan Versa.

The ratings below are only comprised of companies with a national presence, so smaller companies that only insure vehicles in Indiana are not factored into these rankings. To compare prices from these top insurers and more, simply click here.

How careless driving impacts auto insurance rates

The obvious way to enjoy the cheapest auto insurance prices in Indiana for a Versa is to pay attention while driving and have a clean driving record. The example below illustrates how violations and accident claims drive up insurance prices for different insured age categories. The data assumes a single female driver, comp and collision included, $1,000 deductibles, and no discounts are applied.

In the prior example, the average cost of an auto insurance policy per year with no violations or accidents is $1,476. Add in one speeding ticket and the average cost jumps to $1,673, an increase of $197 each year. Then throw in two accidents along with the one speeding ticket and the yearly cost of auto insurance for a Nissan Versa goes up to an average of $3,480. That’s an increase of $2,004, or $167 per month, just for being a little careless behind the wheel!

Company comparison: Progressive vs Geico vs Allstate vs State Farm

When shopping around for insurance for a Versa, the companies that insure more vehicles than anyone else are Progressive, Geico, Allstate, and State Farm. If you combine them together, they insure over 45% of all car insurance policies written. All four can cover your vehicle for liability and physical damage, but each one has a different combination of discounts, features, and options that may steer you one way or another. The next table points out pricing and service ratings, plus some optional coverages that may be available in your state.