Buying the cheapest insurance for a Nissan Versa is dependent upon lots of different rating factors such as whether you are male or female, your claims history, and physical damage deductibles. Drivers pay around $1,095 each year to insure their Versa, but that is an approximation based on a 30-year-old married female driver with full comprehensive and collision coverage and $500 deductibles.
There is a good probability you are not 30 and maybe not even a female, possibly single instead of married, and maybe you want different deductibles. This demonstrates why the best way to find affordable rates for your Nissan is to compare as many rates as you can.
The trim level of your Nissan has an effect on the yearly cost, so the rate you pay to insure a Versa 1.6 SEDAN model will cost $296 less than the price to insure the higher-priced Versa 1.8 SL SEDAN version, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Versa 1.6 SEDAN | $188 | $352 | $426 | $26 | $128 | $1,120 | $93 |
| Versa 1.8 S Hatchback | $222 | $506 | $426 | $26 | $128 | $1,308 | $109 |
| Versa 1.8 S SEDAN | $222 | $506 | $426 | $26 | $128 | $1,308 | $109 |
| Versa 1.8 SL Hatchback | $254 | $582 | $426 | $26 | $128 | $1,416 | $118 |
| Versa 1.8 SL SEDAN | $254 | $582 | $426 | $26 | $128 | $1,416 | $118 |
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Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Prices do not factor in specific location information which can change premiums noticeably.
Finding the top insurer is hard considering how many companies sell coverage in Florida. The rank data in the next section can help you select which providers you want to consider comparing rates with. The rankings below only include companies that insure vehicles across America, so companies that have a smaller presence are not taken into consideration for this list.
Top 10 Major Auto Insurers Overall in Tampa
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Top 10 Major Auto Insurers in Tampa Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
Impact of careless driving on insurance rates
The common sense way to get affordable insurance rates in Florida for a Versa is to be a good driver and not get tickets or have accidents. The chart below illustrates how traffic citations and accident claims influence car insurance costs for different age groups. The information is based on a married male driver, comp and collision included, $250 deductibles, and no discounts are factored in.
In the example above, the average cost of a car insurance policy in Florida per year with a clean driving record and no accidents is $2,314. Factor in one speeding ticket and the average cost hikes up to $2,659, an increase of $345 each year. Next add two accidents along with the one speeding ticket and the annual cost of insurance for a Nissan Versa goes up to an average of $5,629. That’s an increase of $3,315, or $276 per month, just for not being more responsible behind the wheel!
The benefits of price comparisons
Tampa, FL insurance rates are impacted by many factors that can increase the price of coverage. Turning one year older, moving across town, or getting a ticket for running a stop sign can trigger changes in premium resulting in some rates now being affordable when they were higher priced.
Additionally, auto insurance companies modify pricing as often as every quarter to help ensure profitability. Unexpectedly high claims can cause increased rates, while profitable underwriting may produce lower-priced Versa insurance rates.
For example, the bar chart below shows the cheapest car insurance in Tampa, FL for a 40-year-old female driver with a clean driving record, no accidents, and great credit. If we compare prices based on her current risk profile, USAA quotes the lowest car insurance rates in Tampa at $1,517 each year. This is $931 less than the average premium paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers are also on the list of the most affordable Tampa, FL auto insurance companies.
In the next rate comparison, we’ll give the driver from above some claims, bad credit, and a few traffic violations. Because each insurer uses their own calculation for determining rates, comparing quotes may now present a different list of the cheapest companies as shown below.
USAA now has the lowest price on auto insurance in Tampa, FL with Allied, Esurance, State Farm, and Auto-Owners also having competitive pricing. This example shows why it is important to compare as many rates as possible to find affordable car insurance rates for a Nissan Versa. Prices can be determined by many factors and change dramatically, so the best company the last time you shopped your coverage around may now be one of the more expensive options.