How Much are Insurance Quotes for a Nissan Versa in Kentucky?

When writing about shopping for car insurance, the words “affordable” or “cheap” really shouldn’t be used anywhere in the article. It’s just a fact that cheap auto insurance for a Nissan Versa can be extremely hard to find. But don’t let that discourage you, because we will tell you how you can quote insurance that is more budget-friendly.

Your odds of finding cheaper coverage for a Nissan Versa in Kentucky depends upon a complex equation that considers factors such as age of the driver, whether or not you have prior claims, and if your driving record is clean. Drivers in Kentucky pay around $1,110 annually to buy insurance for a Nissan Versa, but that amount is a valuation using rate data for a 50-year-old single male that has full comprehensive and collision coverage and $100 physical damage deductibles.

This brings up the issue that more than likely you may not be 50 years old (or even male), married instead of single, or maybe you have a teenager that needs to be on your policy. Making even small differences in policy rating factors may result in a big change in how much insurance for a Nissan Versa costs.

There is no one cookie-cutter policy that works for everyone, so your best chance at finding cheap insurance prices for your Nissan is to make a habit of regularly comparing rates from other companies. To start saving now, get free quotes and you will be able to see rates from some of the best companies that offer coverage in Kentucky.

Compare Nissan Versa Insurance Rates

Your vehicle’s trim level tends to have a direct impact on the annual cost of coverage, so the rate you pay to insure a Versa 1.6 SEDAN will be $342 lower than the price to insure the higher-end Versa 1.8 SL SEDAN trim level, as demonstrated by the prices below.

Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Kentucky minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Prices do not factor in specific location information which can revise price quotes substantially.

Finding dependable, low-priced car insurance is tough enough, and deciding which company has the best insurance rates for a Nissan Versa may require even more diligence. Every auto insurer uses their own calculation to establish rates, so let’s take a look at the insurance companies with the overall cheapest rates in Kentucky.

It’s important that you understand Kentucky insurance rates are based on many factors that will increase or decrease the price you pay. This price variability is why consumers need to spend some time comparing rates to find affordable auto insurance rates for a Nissan Versa. Car insurance prices are determined by many things and can change without notice, so the most economical company when you bought your policy may now be wasting a lot of money.

Find the Cheapest Auto Insurance for Your Versa

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Cincinnati Insurance may have some of the cheapest car insurance rates in Kentucky at around $1,115 a year. Kentucky Farm Bureau, USAA, Auto-Owners, and Grange Mutual would also make the list of some of the best Kentucky auto insurance companies.

As illustrated above, if you are a customer of Grange Mutual and switched to Kentucky Farm Bureau, you might achieve an annual savings of approxmiately $438. Drivers with Motorists Mutual might save as much as $478 a year, and Travelers customers might realize rate reductions of up to $492 a year.

To find out how your current rates compare, click here to start a quote or feel free to get quotes from the companies below.

Understand that those premiums are averages for all types of insureds and vehicles and do not factor in a specific rate factor for a Nissan Versa. So the company that is most affordable for your situation may not even be in the rate chart shown above. That emphasizes why you need to quote rates from many companies using your own personal information and vehicle type.

Violations and accidents raise rates

The recommended way to receive the best insurance rates for a Versa is to pay attention while driving and not get tickets or have accidents. The diagram below illustrates how violations and at-fault claims drive up insurance premiums for different age groups. The data assumes a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.

In the previous example, the average cost of a car insurance policy in Kentucky per year with no violations or accidents is $1,431. Receive two speeding tickets and the average cost hikes up to $1,966, an increase of $536 each year. Then add two accidents along with the two speeding tickets and the annual cost of insurance for a Nissan Versa goes up to an average of $4,186. That’s an increase of $2,755, or $230 per month, just for not driving responsibly!

Geico, Allstate, State Farm, or Progressive: Which is best?

When buying insurance for a Versa in Kentucky, four companies to definitely compare rates with are Geico, Allstate, State Farm, and Progressive. They all offer different options that may affect your buying decision. The following table compares and contrasts ratings and policy coverage options that are available for policyholders.