How Much is Insurance for a Nissan Versa in New Hampshire?

The odds of finding cheaper car insurance for a Nissan Versa in New Hampshire hinges on a very complex rating algorithm that uses multiple factors like your gender, your address, and if your driving record shows any at-fault accidents. New Hampshire drivers on average pay approximately $650 per year to buy Nissan Versa insurance, but that amount is an estimate rating a 50-year-old single male driver that purchased full coverage and $500 policy deductibles.

It’s highly likely you aren’t exactly 50 years old or even a male, possibly married instead of single, or maybe you have a teenager that needs to be on your policy. This shows why the way we recommend to find cheap insurance prices for your Nissan is to make a habit of comparing rates at every renewal. To start saving now, get free quotes and you can get rates from some of the best companies that sell coverage in New Hampshire.

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Vehicle trim level can impact the annual cost of coverage, so the rate you will pay to insure a Versa 1.6 SEDAN will be $170 cheaper than the price to insure the fancier Versa 1.8 SL SEDAN model, as shown below.

Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and New Hampshire minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Estimates do not factor in zip code location which can influence rates noticeably.

Auto insurance company ratings

Selecting the right auto insurance company is difficult considering how many companies there are in New Hampshire. The information displayed below could help you choose which auto insurance companies to look at when trying to find the cheapest insurance for a Nissan Versa.

These ratings are only made up of companies that insure vehicles nationwide, so companies that only write business in New Hampshire or surrounding areas are not factored into these rankings. To get rate quotes from the insurers below and more, just click here.

Liability-only versus full coverage

Finding cheap insurance for a Nissan Versa in New Hampshire is the goal of the majority of drivers, and a good way to pay lower rates for insurance is to not insure for full coverage. The example below visualizes the comparison of insurance premiums with full physical damage coverage compared to only buying the minimum liability limits required in New Hampshire. The data is based on no claims, a clean driving record, $500 deductibles, drivers are single, and no discounts are applied.

If the expense is averaged for all age categories, full coverage costs an extra $1,391 per year more than just buying liability insurance. That is a significant amount which raises the question if you should buy full coverage at all. There isn’t a steadfast formula of when to eliminate physical damage coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is more than about 10% of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.

There are a few situations where dropping physical damage coverage is not in your best interest. If you still owe a portion of the original loan, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should keep full coverage.

Which auto insurance company is best?

If you are looking for the best insurance for a Versa in New Hampshire, four of the best places to start are Progressive, Geico, State Farm, and Allstate. Between them, they insure nearly half of all car insurance policies in America. They all offer slightly different options that shoppers can select from. The following table illustrates price, claims, and customer service ratings, as well as some optional coverages that you can purchase from each one.