Finding cheaper car insurance for a Nissan Versa hinges on a very complex rating algorithm that uses multiple factors such as how old the vehicle is, your address, and the deductible amount you use. Arizona drivers will pay around $1,019 per year to insure their Versa, but that amount is a valuation based on a 40-year-old single male driver with full coverage and $250 deductibles.
But there is a good chance that you are not 40 and maybe not even a male, possibly married instead of single, or maybe you prefer to not insure for full coverage. Auto insurance is unique to each driver, so the way we recommend to find cheap insurance prices for your Nissan is to compare rates from as many companies as possible.
The trim level of your vehicle has an effect on the cost of insurance, so the rate you pay to insure a Versa 1.6 SEDAN will be $298 less expensive the cost to insure the higher-end Versa 1.8 SL SEDAN version, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Versa 1.6 SEDAN | $168 | $368 | $362 | $22 | $108 | $1,028 | $86 |
| Versa 1.8 S Hatchback | $198 | $528 | $362 | $22 | $108 | $1,218 | $102 |
| Versa 1.8 S SEDAN | $198 | $528 | $362 | $22 | $108 | $1,218 | $102 |
| Versa 1.8 SL Hatchback | $226 | $608 | $362 | $22 | $108 | $1,326 | $111 |
| Versa 1.8 SL SEDAN | $226 | $608 | $362 | $22 | $108 | $1,326 | $111 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Premium costs do not factor in specific Tucson garaging location which can impact coverage prices noticeably.
Ending up with the best insurer can be rather challenging considering how many different companies there are to choose from in Arizona. The ranking data shown next can help you select which car insurance providers to look at when buying insurance for a Nissan Versa.
These ratings only include the largest companies in America, so smaller companies will not be included in these rankings. To get rate quotes from these top-rated insurers and more, click here.
Top 10 Major Auto Insurers in Tucson Ranked by Customer Service
- State Farm
- GEICO
- The Hartford
- Mercury Insurance
- Progressive
- The General
- Allstate
- AAA Insurance
- American Family
- Nationwide
Types of discounts on Tucson auto insurance
Auto insurance companies that offer cheap quotes for a Nissan Versa may provide discounts that may potentially lower prices by as much as 35% if you can meet the requirements. Large car insurance companies and a selection of discounts are:
- State Farm offers discounts including driver’s education, multiple autos, safe vehicle, good student, anti-theft, and passive restraint.
- Progressive offers discounts for good student, online signing, homeowner, online quote discount, continuous coverage, multi-policy, and multi-vehicle.
- Progressive offers premium reductions for good student, online signing, multi-policy, multi-vehicle, continuous coverage, online quote discount, and homeowner.
- MetLife may offer discounts for multi-policy, good driver, good student, claim-free, and defensive driver.
- Farm Bureau has discounts for good student, multi-vehicle, safe driver, renewal discount, multi-policy, 55 and retired, and youthful driver.
- GEICO discounts include multi-policy, defensive driver, daytime running lights, anti-lock brakes, multi-vehicle, and seat belt use.
- SAFECO includes discounts for accident prevention training, bundle discounts, teen safe driver, safe driver, multi-car, and drive less.
The example below illustrates the comparison of insurance prices with and without discounts applied to the policy rates. The rates are based on a female driver, no violations or claims, Arizona state minimum liability limits, comp and collision included, and $1,000 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with multiple vehicle, multiple policy, passive restraint, defensive driving course, marriage, and accident-free discounts applied. When discounts are factored in, theamount saved on car insurance for a Nissan Versa is 28% or $413.
Don’t stick with an overpriced policy
Tucson car insurance rates are impacted by many things which can significantly increase or decrease the price of coverage. Improving your credit rating, marrying your spouse, or getting a ticket for careless driving can cause premium changes resulting in some rates now being more affordable than competitors.
Not only may your situation change, but car insurance companies change prices without warning to adjust for unexpected claims or profits. A period of higher than normal claims may cause price increases, while better underwriting may cause cheaper Versa insurance rates.
For instance, the chart below shows the cheapest car insurance in Tucson, AZ for a 40-year-old male driver with a clean driving record, no accidents, and a good credit history. If we estimate rates based on his current rating profile, The Hartford might quote the best car insurance rates in Tucson at $990 per year. This is $438 less than the average policy premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA round out the rest of the cheapest Tucson, AZ auto insurance companies.
The example below compares rates after we give the driver from the first set of rates an at-fault accident, less-than-perfect credit, and a speeding ticket. Since every insurance provider uses their own calculation for filing rates in each state, getting updated rate quotes could now result in a new list of companies as shown below.
GEICO now has the best price in Tucson with Ameriprise Group, Allied, CSAA, and Farm Bureau Mutual also having competitive pricing. This example illustrates why drivers need to compare lots of rates when trying to get the most budget-friendly auto insurance rates for a Nissan Versa.
Insurance prices are made up of many factors and can change substantially, so the cheapest option three years ago may now be quite expensive.
How to find economical insurance for a Nissan Versa
Lowering your rates is not difficult, and here are many penny-pinching suggestions that can help you locate cheap car insurance.
- Vehicles with safetly features generally cost less to insure
- Good credit can mean cheaper rates
- At-fault accidents will increase rates
- Avoid filing excessive claims
- Violations and traffic tickets increase rates
- Compare rates often to find the best deal
The last tip is particularly necessary, as we pointed out in the article above. Prices charged by car insurance companies in Tucson vary considerably, so don’t be tentative to switch to a new company if a cheaper price is available.
Many drivers prefer to stick with one company, but it isn’t a good idea if that inflexibility results in costing you a lot of money. Take a few minutes and compare rates to find cheaper insurance for a Nissan Versa.
If you like to get some help when shopping around for cheaper insurance for a Versa, the agents listed below can help you decide which auto insurance policy would work best for you. To locate a Tucson car insurance agency in your neighborhood, click the button after the list.
- Crest Insurance Group LLC
5285 E Williams Cir #4500 – Tucson, AZ 85711 – (520) 881-5760 - Merrie Connon – State Farm Insurance Agent
10222 E Rita Rd #110 – Tucson, AZ 85747 – (520) 574-3223 - Allstate Insurance: Debe A. Campos-Fleenor
3206 E Grant Rd – Tucson, AZ 85716 – (520) 745-0169