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

Finding the cheapest car insurance for a Nissan Versa hinges on many different factors such as the age of the Versa, your claims history, and your choice of deductibles. Texas drivers pay around $1,432 per year to insure their Versa, but that amount is an estimation calculated using a 40-year-old single male driver with full coverage and $100 deductibles.

But there is a high probability that you are not 40 years old and maybe not even male, possibly married instead of single, or maybe you have a teen driver on your policy that needs to be considered. Just a minor difference in policy rating criteria or coverages can result in a massive change in the coverage rate.

This demonstrates why the best way to find cheap insurance rates for your Nissan is to do the rate comparisons yourself.

View Nissan Versa Insurance Rates

Your Nissan’s trim level tends to impact the yearly cost, so the price you pay to insure a Versa 1.6 SEDAN will be $448 less than the cost to insure the more expensive Versa 1.8 SL SEDAN trim level, as shown by the rates below.

Nissan Versa Insurance Rates in Arlington, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Versa 1.6 SEDAN $238 $560 $462 $28 $138 $1,426 $119
Versa 1.8 S Hatchback $280 $802 $462 $28 $138 $1,710 $143
Versa 1.8 S SEDAN $280 $802 $462 $28 $138 $1,710 $143
Versa 1.8 SL Hatchback $322 $924 $462 $28 $138 $1,874 $156
Versa 1.8 SL SEDAN $322 $924 $462 $28 $138 $1,874 $156
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Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Premium amounts do not factor in specific zip code location which can change insurance rates substantially.

Arlington car insurance companies ranked

Insuring your vehicle with a highly-rated auto insurance provider is difficult considering how many choices there are in Texas. The information displayed below may help you pick which insurers to look at when insurance shopping for a Nissan Versa.

These rankings are only made up of large nationwide companies, so companies that focus mainly on Texas business are not factored into this list. If you’d like to compare prices from these companies and more, just click here.

Top 10 Major Car Insurance Companies Overall in Arlington

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Top 10 Major Car Insurance Companies in Arlington Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance

Liability rates compared to full coverage

Saving money on car insurance is important to most vehicle owners, and one way to pay lower rates for insurance for a Nissan Versa is to buy only liability coverage. The chart below illustrates the comparison of annual premium costs when comparing full coverage to liability only. The information is based on no driving violations, no at-fault accidents, $100 deductibles, drivers are single, and no policy discounts are applied.

On average, full coverage costs an additional $2,980 per year more than just insuring for liability. That raises the question if physical damage coverage is worth the money. There is no definitive rule for excluding comp and collision coverage, but there is a general guideline. If the annual cost of coverage is 10% or more of replacement cost minus your deductible, then you may need to consider dropping full coverage.

The illustration below shows how choosing a deductible can raise or lower annual premium costs when researching cheap insurance for a Nissan Versa. The premiums assume a married male driver, comp and collision included, and no other discounts are factored in.

The data above shows that a 40-year-old driver could reduce rates by $346 a year by increasing from a $100 deductible up to a $500 deductible, or save $522 by using a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could shave $1,176 or even more just by choosing larger deductibles.

If you make the decision to raise deductibles, it is a good idea to have enough in a savings account to enable you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

How to find budget-friendly car insurance for a Nissan Versa

It is possible to find better rates, and here are some money-saving solutions that can help Texas drivers locate lower-cost coverage.

That final tip is remarkably crucial, as was affirmed in the prior article. Prices in Arlington can change considerably in a year, so drivers shouldn’t be resistant to switch to a new company if a cheaper rate is available. Loyalty to a specific company is fine, but we do not recommend it if that inflexibility results in costing you money that could be spent on other things. Now is a great time to compare rates and find cheaper car insurance for a Nissan Versa.