Who Has the Cheapest Car Insurance for a Nissan Versa in Austin?

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Nissan Versa insurance
Nissan Versa insurance image courtesy of QuoteInspector.com

Buying affordable coverage for a Nissan Versa doesn't take a ton of time, but it depends on a lot of factors such as whether you are male or female, your credit score, and the deductible amount you use. Drivers pay approximately $1,026 annually to insure their Versa, but that figure is a projection calculated based on a 50-year-old single female driver with full coverage and $500 deductibles.

It's more than likely you are not 50 years old and maybe not even female, maybe you are married instead of single, or maybe your Versa is old enough that it doesn't require full coverage. Just a minor difference in rating factors or requested coverage amount can make a large difference in the amount insurance costs for a Nissan Versa.

There is no perfect policy for every driver, so the only way to find the cheapest rates for your Nissan is to do the rate comparisons yourself. Do a quick rate comparison now and you will receive price comparisons from some of the most affordable companies that insure Nissan vehicles in Texas.

Find Cheaper Nissan Versa Insurance

Your vehicle's trim level tends to have a direct impact on the insurance rate, so the price you will be charged to insure a Versa 1.6 SEDAN will be $264 less than the price to insure the more costly Versa 1.8 SL SEDAN version, as demonstrated by the prices below.

Nissan Versa Insurance Rates in Austin, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Versa 1.6 SEDAN $152 $322 $430 $26 $128 $1,058 $88
Versa 1.8 S Hatchback $180 $462 $430 $26 $128 $1,226 $102
Versa 1.8 S SEDAN $180 $462 $430 $26 $128 $1,226 $102
Versa 1.8 SL Hatchback $206 $532 $430 $26 $128 $1,322 $110
Versa 1.8 SL SEDAN $206 $532 $430 $26 $128 $1,322 $110
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Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Rate quotes do not factor in vehicle location which can impact insurance rates greatly.

Finding reliable, cheap auto insurance is hard enough, and finding out which company offers the cheapest auto insurance rates for a Nissan Versa will take more quotes for comparison.

Every auto insurer has a unique approach for determining rates in each state, so let's rank the lowest cost auto insurance companies in Austin, TX. It's important that you understand Texas auto insurance rates are impacted by many factors that may substantially change the cost of coverage. Events like a birthday, becoming a homeowner, or getting a DUI can produce rate changes that can make some companies more expensive than competitors.

Best Car Insurance Prices for Your Versa

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Cheapest Texas car insurance ranked by price
Rank Company Cost Per Year
1 Travelers $1,041
2 USAA $1,117
3 Texas Farm Bureau $1,199
4 Germania Mutual $1,244
5 California Casualty $1,382
6 Esurance $1,407
7 Mercury $1,461
8 State Farm $1,465
9 Safe Auto $1,565
10 Nationwide $1,600
11 Allstate $1,650
12 Progressive $1,664
13 Amica $1,775
14 Home State $2,155
15 GEICO $2,156
16 MetLife $2,161
17 Unitrin $2,241
18 Encompass $2,255
19 21st Century $2,421
20 Titan $2,568
Quote Your Rates Go

Travelers quotes some of the lowest car insurance rates in Austin at around $1,041 annually. This is $863 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty would also be considered some of the lowest-priced Austin, TX car insurance companies.

As shown above, if you buy coverage from Texas Farm Bureau and switched to Travelers, you may see a yearly savings of roughly $158. Drivers with Germania Mutual might save as much as $203 a year, and California Casualty insureds might cut rates by $341 a year.

Be aware that those premiums are averages across all types of insureds and vehicles and and are not figured with an exact zip code location for a Nissan Versa. So the company that can offer the best rates for your situation may not even be in the top 23 companies shown above. That affirms the importance of why you need to get quotes using your own personalized driver profile and vehicle information.

The information below illustrates how your deductible choice can influence yearly insurance costs when quoting cheap insurance for a Nissan Versa. The costs are based on a married female driver, comp and collision included, and no discounts are taken into consideration.

A 40-year-old driver could lower their car insurance rates by $340 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $510 by switching to a $1,000 deductible. Even younger insureds, like the Age 20 category, could roll back prices as much as $840 every year by selecting a higher deductible.

If you do make the decision to raise your deductibles, it is necessary to have enough in a savings account to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Why you should be shopping around

Austin auto insurance rates are impacted by many factors which can substantially decrease or increase the price you pay. Getting older, having a claim, or getting a couple of tickets may prompt premium changes that can now make some companies cheaper than competitors. Not only may your situation change, but insurers file new Texas auto insurance rates every year in order to be able to pay unexpected claims. A period of increased losses can cause increased rates, while a better claims history may result in cheaper Versa insurance rates.

As an example, the data below shows which company has the cheapest car insurance in Austin, TX for a 45-year-old female driver with no violations or accidents, and excellent credit. Based on her current risk profile, Travelers might quote the lowest car insurance rates in Austin at $1,162 per year. This is $742 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance round out the rest of the top five cheapest Austin, TX auto insurance companies.

Now we will pretend the driver in the first example a couple of claims, less-than-perfect credit, and a few blemishes on her driving record. Since each company uses their own calculation to set policy rates, comparing insurance quotes most likely will result in a slightly different list of companies as shown below.

State Farm now has the cheapest price in Austin, TX with Mercury, Nationwide, Safe Auto, and USAA also having competitive pricing. This illustrates why it is critical to compare rates when trying to get the most affordable insurance quotes for a Nissan Versa.

Car insurance prices consist of many risk factors and can decrease or increase without notice, so the cheapest rate three years ago may now cost much more than other companies.

How to find budget-friendly insurance for a Nissan Versa

Lowering your rates is not difficult, and here are some of the better penny-pinching solutions that can help you quote cheap coverage.

That last piece of advice is especially significant, as we discussed in the article above. Car insurance prices change a lot, so you should be ready to change to a new company if a cheaper rate is available. Having a favorite company is fine, but we do not recommend it if that dedication is costing money that could be going to better use. Take a couple minutes and shop around to find cheaper insurance for a Nissan Versa in Austin.

If you have coverage questions and would like to get help from a professional when trying to find the best insurance rates for a Nissan Versa, the agents shown below can probably help you make a decision which policy fits your needs best. To find an auto insurance agency closest to you, click the button at the bottom or click here to compare price quotes.

All Texas Insurance
6700 Middle Fiskville Rd # 303 - Austin, TX 78752 - (512) 459-7979

Ed Weeren Insurance Agency
300 E Highland Mall Blvd #208 - Austin, TX 78752 - (512) 454-5266

Karen Hall - State Farm Insurance Agent
7004 Bee Cave Rd #3 - Austin, TX 78746 - (512) 327-6200

Central Insurance Agency, Inc.
6000 N Lamar Blvd - Austin, TX 78752 - (512) 451-6551

Find an Austin, TX insurance agent near you