Cheapest Insurance for a Nissan Versa in Colorado

Whenever people write about car insurance, the words cheap or affordable really should not be used anywhere to describe car insurance prices. Sad but true, cheap auto insurance for a Nissan Versa does not exist. But don’t let us ruin your dream, because we will show you how you can quote coverage that won’t break your budget.

Whether or not you can find affordable car insurance for a Nissan Versa in Colorado hinges on an enormous amount of rating factors such as your date of birth, your claims history, and physical damage deductibles. Drivers in Colorado on average pay around $920 each year to buy insurance for a Nissan Versa, but that price is a projection using cost data for a 30-year-old married female driver who purchased both comprehensive and collision coverage and $500 physical damage deductibles.

If we were betting, you are not a 30-year-old female, you might be single instead of married, or maybe you have a couple of speeding tickets. Insurance rates are unique for each driver, so the way we recommend to find cheap insurance rates for your Nissan is to just take the time to compare rates yourself. Quotes are free and easy and you will be able to compare rates from the best companies that offer coverage in Colorado.

Find Cheaper Nissan Versa Insurance

The trim level of your vehicle can impact price, so the rate you will pay to insure a Versa 1.6 SEDAN model will be $248 cheaper than the cost to insure the more expensive Versa 1.8 SL SEDAN version, as shown in the chart below.

Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Rate quotes do not factor in vehicle location which can decrease or increase coverage rates substantially.

Determining which company quotes the cheapest insurance rates for a Nissan Versa will require a bit more effort than just quoting one company’s rates. Each insurance company has their own unique process for setting rates, so let’s take a look at the most affordable insurance companies in Colorado.

It’s a good idea to know that Colorado insurance rates are impacted by many factors which can substantially change the cost of your policy. Simply improving your credit, buying a different home, or getting a speeding ticket can produce rate changes that can make some companies cheaper than others.

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The Hartford quotes some of the cheapest car insurance rates in Colorado at around $850 each year. Grange, USAA, GEICO, and Nationwide also make the cut as some of the best Colorado car insurance companies.

As shown above, if you currently have a policy with Nationwide and switched to Grange, you could realize savings of in the vicinity of $165. Drivers with Auto-Owners could save as much as $190 a year, and State Farm policyholders might reduce prices by as much as $231 a year.

Be aware that those estimates are averages across all drivers and vehicles and do not factor in a specific rate factor for a Nissan Versa. So the insurer that is most affordable for your situation may not even be shown in the company chart above. That underscores the importance of why you need to get quotes using your own driver information and specific vehicle type.

How to get discounts on Colorado insurance rates

Insurance providers that offer the cheapest insurance for a Nissan Versa in Colorado could also offer discounts that could reduce prices by as much as 40% or more if you meet the requirements. A list of companies and some of their more popular discounts are detailed below.

• State Farm has discounts for anti-theft, multiple autos, student away at school, good student, and multiple policy.
• GEICO includes discounts for anti-lock brakes, daytime running lights, anti-theft, good student, emergency military deployment, and multi-vehicle.
• Allstate may offer discounts for 55 and retired, eSmart discount, early signing, multi-policy, and farm vehicle.
• SAFECO offers premium reductions for anti-lock brakes, safe driver, teen safety rewards, teen safe driver, and accident prevention training.
• Farm Bureau offers discounts including good student, youthful driver, 55 and retired, safe driver, driver training, renewal discount, and multi-vehicle.
• Progressive has savings for homeowner, multi-vehicle, good student, multi-policy, online signing, online quote discount, and continuous coverage.
• AAA may include discounts for multi-policy, good driver, AAA membership discount, education and occupation, multi-car, and anti-theft.

The chart below visualizes the comparison of auto insurance costs with and without some available policy discounts. The premium estimates are based on a male driver, no violations or claims, Colorado state minimum liability limits, full physical damage coverage, and $1,000 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with vehicle safety, claim-free, multiple policy, accident-free, passive restraint, and marriage discounts applied. With discounts applied, the the average amount saved on insurance for a Nissan Versa is 28% or $448.

Is the best company Geico, State Farm, Progressive, or Allstate?

When comparing insurance for a Versa in Colorado, four companies to take a look at are Geico, State Farm, Progressive, and Allstate. All of them have a different combination of discounts, features, and options that buyers can choose from. The next table breaks down pricing and service ratings, plus some optional coverages that are available.