About $1,577 a year for full coverage on a national average — 10% more than the $1,438 average car. Insurers rate the Nissan Versa Note at an index of 110 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2017-2019).
The premium isn't spread evenly across the Nissan Versa Note: Personal injury (PIP) — no-fault injury cover in some states — carries its highest loss index at 159, while Comprehensive sits at 69. Those 90 points are the real reason behind the price, and they are the part a quote form never shows you. Against what the car is worth the bill looks different again: a 2016 Versa Note sells for a median $6,000, so a year of cover costs 26.3% of the car's value. Over 6 generations of data the index has fallen from 121 (2012-2014) to 110 (2017-2019). Calculated from 6 insurance-loss records and live US listing prices.
Why a Versa Note costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $1,577: Liability (BI + PD) $757 · Collision $442 · Comprehensive $189 · Other (UM / PIP) $189.
How it changed by generation
Insurance-loss index of the Versa Note across every generation in the data. Newer isn't automatically cheaper — driver-assist systems cut crash frequency, while sensors and aluminium panels push repair bills up:
Each point averages every recorded variant of that generation. The Versa Note has become cheaper to insure over time (-11 points).
What a Versa Note costs by state
Where you park matters as much as what you drive. The Versa Note's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | Versa Note est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by the Nissan Versa Note's loss index of 110 — your own quote also depends on age, record, deductible and ZIP.
Nissan Versa Note insurance — frequently asked
How much is insurance for a Nissan Versa Note?
About $1,577 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 110 applied to the US average premium.
Why is the Versa Note expensive or cheap to insure?
For the Nissan Versa Note the costliest area is Personal injury (PIP) at an index of 159, covering no-fault injury cover in some states — against 69 for its cheapest. Insurers set premiums from claim history like that, not from the sticker price — which is why the Nissan Versa Note lands at 110, not at what it costs new.
Is that a lot relative to the car's value?
A year of cover is 26.3% of what a 2016 Versa Note sells for — $1,577 against a median price of $6,000. Cheap cars often show a higher percentage even when the dollar premium is lower, and at 26.3% the Versa Note sits on the expensive side of that trade.
Does its safety rating lower the premium?
Not directly. The Versa Note holds 4 stars from NHTSA, but crash-test performance and repair cost are priced separately — a car can protect occupants well and still be costly to fix.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same Versa Note can differ by hundreds between two drivers.
How we work this out
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