Who Has Cheap Insurance for a Nissan Versa in Ohio?

Who Has Cheap Insurance for a Nissan Versa in Ohio?

When talking about car insurance, the words “affordable” or “cheap” should not appear as a descriptor for car insurance rates. Despite the oxymoron, cheap car insurance for a Nissan Versa does not exist. We’ll try to make it up to you, because we can show you some ways you can get auto insurance that won’t break your budget.

The chances of buying cheap insurance for a Nissan Versa in Ohio relies on a whole bunch of rating criteria like if you are married or single, whether or not you have prior claims, and any prior driving offenses. Ohio drivers will pay on average $600 per year to insure their Versa, but that rate is an estimation calculated based on a 30-year-old married male who purchased full coverage including both comprehensive and collision and $500 physical damage deductibles.

It’s highly likely you are not a 30-year-old male, possibly single instead of married, or you need different physical damage deductibles. Every driver has a different risk profile, so the way we recommend to find the most affordable coverage for your Nissan is to do your own rate comparisons. Quotes are always free and you can get rates from top-rated companies available.

Insure Your Nissan for Less

The trim level of your Versa tends to impact the annual cost of coverage, so the price you will pay to insure a Versa 1.6 SEDAN will be $164 less than the insurance cost for the higher-priced Versa 1.8 SL SEDAN trim level, as shown in the prices below.

Nissan Versa Insurance Rates in Ohio
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Versa 1.6 SEDAN $106 $196 $226 $14 $68 $610 $51
Versa 1.8 S Hatchback $124 $280 $226 $14 $68 $712 $59
Versa 1.8 S SEDAN $124 $280 $226 $14 $68 $712 $59
Versa 1.8 SL Hatchback $142 $324 $226 $14 $68 $774 $65
Versa 1.8 SL SEDAN $142 $324 $226 $14 $68 $774 $65
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Price information does not factor in specific location which can raise or lower insurance rates significantly.

Selecting the highest-rated insurance provider can be difficult considering how many choices there are in Ohio. The company information in the lists below can help you select which auto insurers to look at when insurance shopping for a Nissan Versa.

The rankings below are only made up of companies that write coverage in many states, so companies without a large exposure will not be included in these rankings. To view rates from these and other competitive companies, just click here.

Ohio Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Erie Insurance 92 90 82 88% A+ 88.5
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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Data Source: Insure.com Best Car Insurance Companies

Liability rates compared to full coverage

Finding cheap insurance for a Nissan Versa in Ohio should be important to most people, and one of the quickest ways to lower the cost of insurance is to only buy liability coverage. The illustration below illustrates the difference between annual premium costs when comparing full coverage to liability only. The costs are based on no violations or claims, $250 deductibles, drivers are single, and no discounts are applied.

If we average all the age groups together, comp and collision coverage costs an additional $1,268 per year over and above liability coverage. That is a big expense that brings up the question if paying for full coverage is a waste of money. There is no definitive rule of when to phase out physical damage coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

Discounts on cheap insurance for a Nissan Versa in Ohio

Discounts on car insurance for a Nissan VersaCar insurance companies that provide policies for a Nissan Versa could also offer price discounts that could lower prices by as much as 40% or more if you are eligible to receive them. A list of companies and some of the discounts can be found below.

Car Insurance Discounts for Popular Insurers
Discount Allstate State Farm Progressive Geico Nationwide Farmers Liberty Mutual
Bundle discount Yes Yes Yes Yes Yes Yes Yes
Multi-vehicle No Yes Yes Yes Yes Yes Yes
Theft prevention Yes Yes Yes Yes Yes Yes Yes
Anti-lock brakes Yes Yes No Yes No No Yes
Air bags Yes Yes No Yes Yes Yes Yes
Daytime running lights No Yes No Yes No Yes No
New car Yes Yes No No Yes Yes No
No accidents Yes Yes Yes Yes Yes Yes No
Defensive driver training Yes Yes Yes Yes Yes Yes No
Low mileage Yes Yes Yes No Yes No Yes
Military No Yes Yes Yes No Yes No
Affinity/occupation No No No Yes Yes Yes Yes
Pay in full Yes No Yes Yes Yes Yes Yes
Email statements Yes No Yes Yes Yes Yes Yes
Brand loyalty No Yes Yes No Yes Yes No
Good student Yes Yes Yes Yes Yes Yes Yes
Distant student Yes Yes Yes No Yes Yes Yes
Own your home No No Yes No No Yes No
Use seat belts No No No Yes No No No
Online quote No No Yes No No No No
Teen driver No No Yes No No No Yes
Government employee No No No Yes No No No
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The diagram below shows the comparison of insurance costs with and without discounts applied to the policy premium. The rates are based on a female driver, no violations or accidents, Ohio state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with accident-free, marriage, safe-driver, passive restraint, vehicle safety, and claim-free discounts applied. When drivers take advantage of discounts, the the amount saved on car insurance for a Nissan Versa is % or $.

Cheapest Nissan Versa insurance quotes

Consumers have many ways to purchase car insurance in Ohio, but the most prevalent are through an exclusive agency like State Farm or Liberty Mutual, an independent or non-exclusive agent, or from a direct company like Geico or Progressive. They all have the same basic principle, but car insurance shoppers should know the differences in how they work.

Independent agents write for multiple companies and can provide price quotes from every one. They are able to give you a larger rate selection, which can give you improved odds of finding cheaper coverage. If you want to switch companies, your agent can just switch to a different company and you can remain with the same agent.

A captive, or exclusive, agent is only able to quote your policy with one insurance company, for example an Auto-Owners or State Farm agent. Exclusive agents cannot quote rates from more than one company, so you need to shop around if the rates are high.

Buying from a direct company means skip the middleman (the agent) and instead buy direct either online or via phone. This option is a good choice for people who do not need high levels of coverage and know more than average about what car insurance covers and what it doesn’t.

So which method is best to find cheap insurance for a Nissan Versa in Ohio? It would be simple to say buying from a direct car insurance company results in the cheapest price because there are no middleman commissions, but that does not always hold true. It could also be said using an independent agent guarantees the cheapest rates because you have more choices, but again, it’s not necessarily true. And occasionally, exclusive agents have really good rates that cannot be met by either independent or direct companies.

Since car insurance companies use so many rating factors, really the only way to buy the cheapest policy is to do a thorough rate comparison. If you have the time, get price quotes from all three in order to have the best selection to choose from. For a list of companies with some of the cheapest Ohio car insurance rates, click here to view.