Cheap Insurance for a Nissan Versa in Iowa

Your chances of finding affordable coverage for a Nissan Versa in Iowa is contingent on an enormous amount of factors like your gender, whether you have good credit, and if you have any chargeable driving offenses. Drivers in Iowa will pay around $770 annually to insure a Nissan Versa, but that amount is an approximation that uses a 50-year-old single male driver who purchased both comprehensive and collision coverage and $250 policy deductibles.

There’s a high likelihood you are not exactly 50 years old and possibly not even male, you might be married instead of single, or maybe you have a couple of speeding tickets. Auto insurance is unique to every driver, so your best shot at finding the cheapest rates for your Nissan is to quote often and with as many companies as possible.

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Vehicle trim level will be a contributing factor to the yearly cost, so the price to insure a Versa 1.6 SEDAN trim level will cost $222 less than the price to insure the high end Versa 1.8 SL SEDAN trim level, as shown in the table below.

Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Iowa minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Premium amounts do not factor in specific garaging location which can raise or lower insurance rates noticeably.

Ending up with the right auto insurance company can be rather challenging considering how many companies sell coverage in Iowa. The company ratings below can help you choose which insurers you want to consider comparing rates with. The ratings below are only comprised of the companies with a significant amount of written premium nationwide, so companies that have a smaller presence are not taken into consideration for this list.

Top 10 Large Auto Insurers Overall in Iowa

1. USAA
2. 21st Century
3. GEICO
4. Nationwide
5. AAA Insurance
6. Liberty Mutual
7. Safeco Insurance
8. State Farm
9. Travelers
10. American Family

Top Companies for Nissan Versa Insurance in Iowa

The chart below highlights how deductible choice can change insurance costs when quoting cheap insurance for a Nissan Versa. The rates are based on a single male driver, comp and collision included, and no policy discounts are applied.

As shown above, a 50-year-old driver could cut expenses by $198 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $296 by choosing a $1,000 deductible. Young drivers, like the 20-year-old, have the ability to save as much as $652 or even more just by choosing higher deductibles when buying full coverage.

If you do make the decision to raise your deductibles, it will be required to have enough spare savings to satisfy the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Discounts on cheap insurance for a Nissan Versa in Iowa

Insurance providers that sell policies for a Nissan Versa may additionally offer rate discounts that can reduce rates by as much as 35% if you meet eligibility requirements. Companies and a summarized list of policyholder discounts are outlined below.

The example below shows the comparison of car insurance rates with and without discounts. The data is based on a male driver, a clean driving record, no claims, Iowa state minimum liability limits, full physical damage coverage, and $1,000 deductibles.

The first bar for each age group shows premium with no discounts. The lower bar shows the rates with passive restraint, multiple policy, marriage, homeowner, claim-free, and safe-driver discounts applied. With discounts applied, the the amount saved on auto insurance for a Nissan Versa is % or $.

Best rates: State Farm, Progressive, Allstate, or Geico

When comparing auto insurance, four companies you’ll want quotes from are State Farm, Progressive, Allstate, and Geico. The table below shows pricing and service ratings, plus some optional coverages that you can purchase from each one.