Cheap Insurance for a Nissan Versa in New York

When writing about car insurance, the word “cheap” should not be used as a descriptor for car insurance rates. Excuse the oxymoron, but cheap auto insurance for a Nissan Versa can be extremely hard to find. Don’t let that ruin your day, because we are going to show you how you can still find insurance that won’t break the bank.

The likelihood of finding cheap car insurance for a Nissan Versa in New York relies on a complicated equation that takes into consideration things such as how you use your Versa, your geographic location, and violations on your driving record. Drivers in New York pay an average rate of $880 per year to buy insurance for a Nissan Versa, but that policy rate is an approximation based on rate data for a 50-year-old single female who needs full coverage including both comprehensive and collision and $100 deductibles.

But there is a high probability that you aren’t exactly 50 years old or even a female, possibly married instead of single, and maybe you want different deductibles. Auto insurance is not “one size fits all”, so the only real way to find the cheapest coverage for your Nissan is to just take the time to compare rates yourself. To start saving now, get free quotes and you will receive price comparisons from top-rated companies that sell coverage in New York.

Find Cheaper Nissan Versa Insurance

Vehicle trim level will most likely have an effect on the coverage cost, so the price you will be charged to insure a Versa 1.6 SEDAN model will be $264 cheaper than the cost to insure the high end Versa 1.8 SL SEDAN trim level, as shown below.

Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and New York minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Information does not factor in specific zip code location which can alter prices noticeably.

Finding a high-quality company can be a challenge considering how many different insurance companies sell coverage in New York. The information below could help you analyze which companies you want to consider comparing rate quotes with.

The rankings below are for the largest auto insurers in America, so companies that focus mainly on New York business are not factored into this list. To compare prices and find cheaper insurance for a Nissan Versa, just click here.

Careless New York drivers pay higher rates

In a perfect world, the ideal way to snag cheap insurance for a Nissan Versa in New York is to drive carefully and not get tickets or have accidents. The illustration below highlights how speeding tickets and accident claims can influence insurance rates for each different age group. The premium estimates are based on a single female driver, full coverage, $250 deductibles, and no additional discounts are factored in.

In the example above, the average cost of car insurance in New York per year with no violations or accidents is $1,644. Factor in two speeding tickets and the average cost swells to $2,209, an increase of $565 each year. Now add in two accidents along with the two speeding tickets and the annual cost of auto insurance for a Nissan Versa goes up to an average of $4,279. That’s an increase of $2,635, or $220 per month, just for a couple of infractions!

The information below highlights how deductible selection can influence insurance premiums when getting quotes for cheap insurance for a Nissan Versa. Data assumes a married male driver, full physical damage coverage, and no discounts are applied.

A 50-year-old driver could lower their policy premium by $242 a year by changing from a $100 deductible to a $500 deductible, or save $364 by selecting a $1,000 deductible. Even younger insureds, like the 20-year-old example, could roll back prices $818 every year by choosing larger deductibles on their policy. When raising deductibles, it will be required to have plenty of money set aside to allow you to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

State Farm, Allstate, Progressive, and Geico: Who is cheapest?

When it comes to insurance for a Versa in New York, four companies to take a look at are State Farm, Allstate, Progressive, and Geico. The table below ranks ratings and policy coverage options shoppers can find with each company.