How Much is Insurance for a Nissan Versa in Arizona?

Your chances of finding the best cheap insurance for a Nissan Versa in Arizona relies on dozens of factors like whether you are single or married, your address, and your policy deductibles. Drivers in Arizona pay an average of $970 per year to buy insurance for a Nissan Versa, but that amount is an estimation using rating data for a 40-year-old married female driver that included both comprehensive and collision coverage and $100 physical damage deductibles.

More likely than not, you are not a 40-year-old female, you might be single instead of married, or maybe you have a violation on your driving record. Auto insurance is not “one size fits all”, so the only real way to find affordable rates for your Nissan is to just compare rates yourself.

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Vehicle trim level will be a contributing factor to the cost of insurance, so the rate you will pay to insure a Versa 1.6 SEDAN trim level will be $302 less expensive the price to insure the more expensive Versa 1.8 SL SEDAN trim level, as shown in the table below.

Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Estimates do not factor in vehicle garaging location which can modify price quotes noticeably.

Determining which company offers the cheapest auto insurance rates for a Nissan Versa will require more time than just quoting one company’s rates.

Each company uses their own method to establish rates, so let’s take a look at the most budget-friendly auto insurance companies in Arizona. It’s important to understand that Arizona auto insurance rates are influenced by many factors that can increase the price of your policy. Improving your credit rating, buying a different home, or getting a ticket for running a stop sign can trigger changes in premium that can now make some companies cheaper than others.

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The Hartford normally has some of the cheapest car insurance rates in Arizona at around $845 each year. Auto-Owners, Safeco, USAA, and Travelers also rank well as some of the most economical Arizona car insurance companies.

In the above rates, if you are insured with USAA and switched to Auto-Owners, you could realize an annual savings of around $165. Drivers with Travelers might save as much as $193 a year, and Progressive insureds might reduce prices by as much as $215 a year.

Remember that these estimates are averaged for all types of insureds and vehicles and do not take into consideration a specific rate value for a Nissan Versa. So the insurer that can offer you the lowest price may not even be in the chart above. That is why you need to compare rates from as many companies as possible using your own personalized driver profile and vehicle information.

How careless driving impacts Arizona auto insurance rates

The obvious way to get low auto insurance prices in Arizona for a Versa is to be a careful driver and not receive tickets or have accidents. The chart below illustrates how speeding tickets and at-fault fender-benders impact yearly insurance costs for each different age group. The costs are based on a single male driver, full coverage, $500 deductibles, and no policy discounts are applied.

The data above shows the average cost of a car insurance policy per year with no accidents and a clean driving record is $1,883. Get written up for two speeding tickets and the average cost hikes up to $2,496, an increase of $612 each year. Then include two accidents along with the two speeding tickets and the yearly cost of auto insurance for a Nissan Versa increases to an average of $4,782. That’s an increase of $2,899, or $242 per month, just for not driving attentively!

Discounts on cheap insurance for a Nissan Versa in Arizona

Insurance providers that provide coverage for a Nissan Versa could also offer policy discounts that may potentially lower prices by 35% or more if you qualify. Larger auto insurance companies and a selection of discounts can be found below.

• State Farm has savings for driver’s education, good student, defensive driving training, multiple autos, and good driver.
• Farmers Insurance may offer discounts for youthful driver, teen driver, homeowner, pay in full, bundle discounts, business and professional, and alternative fuel.
• Progressive policyholders can earn discounts including online signing, multi-vehicle, good student, continuous coverage, multi-policy, and homeowner.
• GEICO discounts include membership and employees, air bags, multi-vehicle, emergency military deployment, and anti-lock brakes.
• Auto-Owners Insurance has discounts for company car, multi-policy, mature driver, group or association, student away at school, and anti-lock brakes.
• The Hartford may include discounts for anti-theft, bundle, defensive driver, driver training, vehicle fuel type, good student, and air bag.
• Farm Bureau includes discounts for multi-vehicle, driver training, 55 and retired, good student, safe driver, and youthful driver.
• USAA offers discounts for good student, vehicle storage, new vehicle, annual mileage, driver training, multi-policy, and multi-vehicle.

The illustration below shows the difference between insurance costs with and without policy discounts. The data assumes a male driver, no claims or driving violations, Arizona 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 shows the rates with safe-driver, vehicle safety, anti-theft, multiple vehicle, defensive driving course, and marriage discounts applied. In this example, the the average yearly reduction on auto insurance for a Nissan Versa is 28% or $433.

How to find cheaper auto insurance for a Nissan Versa

It is possible to find better rates, and here are a few money-saving suggestions that can help you find more affordable auto insurance.

• At-fault accidents will increase rates
• Vehicles with good safety ratings have lower liability rates
• Save money by obeying traffic laws and keeping a clean driving record
• Drivers with good credit often pay less
• Avoid price increases by not filing claims
• Shop around for cheaper rates regularly

That last idea is certainly significant, as we hit on in this write-up. Prices charged by auto insurers vary considerably, so drivers shouldn’t be reluctant to switch to a new company if a more affordable rate is found.

Having a favorite company is fine, but it’s not recommended if that loyalty results in overpaying a fortune every year. If you have a few minutes, now is a great time to shop around and find cheaper auto insurance for a Nissan Versa.