Buying competitive insurance for a Nissan Versa depends on a complicated formula that considers factors such as driver age, what you do for a living, and driving violations. Drivers will pay on average $1,318 per year for Versa insurance, but that cost is a projection calculated based on a 30-year-old single female driver with full physical damage coverage and $100 deductibles.
There is a good probability you are not 30 years old and maybe not even female, possibly married instead of single, or maybe you don’t qualify for the same discounts. Every driver’s needs are different, and that is why the only real way to find cheap insurance prices for your Nissan is to compare as many rates as you can. Quotes only take a few minutes and you can get rates from the best auto insurance companies that sell coverage in Oregon.
The specific trim level tends to impact the annual cost of coverage, so the cost to insure a Versa 1.6 SEDAN will cost $406 less than the cost to insure the more well-appointed Versa 1.8 SL SEDAN model, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Versa 1.6 SEDAN||$226||$502||$432||$26||$130||$1,316||$110|
|Versa 1.8 S Hatchback||$266||$720||$432||$26||$130||$1,574||$131|
|Versa 1.8 S SEDAN||$266||$720||$432||$26||$130||$1,574||$131|
|Versa 1.8 SL Hatchback||$306||$828||$432||$26||$130||$1,722||$144|
|Versa 1.8 SL SEDAN||$306||$828||$432||$26||$130||$1,722||$144|
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Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Oregon minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Rate information does not factor in vehicle garaging location which can decrease or increase auto insurance rates significantly.
Insuring your vehicle with a good quality car insurance provider can be a challenge considering how many different companies sell coverage in Portland. The ranking data shown below could help you pick which companies you want to consider comparing rates from. These ratings are only made up of large, nationwide insurance companies, so smaller companies are not included in the list.
Top 10 Large Auto Insurers in Portland Ranked by Customer Satisfaction
- USAA – 94%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- GEICO – 89%
- The Hartford – 89%
- The General – 88%
- 21st Century – 88%
- Allstate – 88%
- Liberty Mutual – 88%
Top 10 Large Auto Insurers in Portland Ranked by Customer Service
- State Farm
- The Hartford
- The General
- AAA Insurance
- American Family
- Liberty Mutual
Illustration showing the impact of accidents and violations
The obvious way to score good auto insurance rates in Oregon for a Versa is to be a cautious driver and avoid traffic citations and accidents. The diagram below highlights how speeding tickets and accidents can impact insurance costs for different age groups. The information is based on a single male driver, full coverage, $1,000 deductibles, and no discounts are applied to the premium.
In the previous chart, the average cost of an auto insurance policy in Oregon per year with no violations or accidents is $1,762. Add in two speeding tickets and the average cost increases to $2,325, an increase of $564 each year. Then add in one accident along with the two speeding tickets and the annual cost of auto insurance for a Nissan Versa increases to an average of $2,913. That’s an increase of $1,152, or $96 per month, just for not driving responsibly!
The benefit of shopping around
Portland, OR auto insurance rates are influenced by many factors which can substantially change the policy price. Turning one year older, having a claim, or getting a DUI can trigger changes in premium that can make some companies affordable when they were higher priced.
Additionally, auto insurance companies file new Oregon auto insurance rates without warning in order to offset underwriting gains or losses. A period of higher than normal claims may result in more expensive prices, while better underwriting can result in cheaper Versa insurance rates.
As an example, the data below demonstrates which company has the cheapest car insurance in Portland, OR for a 40-year-old male driver with no prior accidents, a clean driving record, and great credit. If we look at prices based on his current risk factors, Grange offers the lowest car insurance rates in Portland at $966 a year. This is $512 less than the average policy premium paid by Oregon drivers of $1,478. Oregon Mutual, Country, Travelers, and USAA are the remaining best Portland, OR auto insurance companies.
Now we will give the driver in the first chart an accident claim, a lower credit score, and a few blemishes on his driving record. Because every insurance company has their own formula to determine rates, comparing insurance quotes may result in a completely different list of affordable Portland car insurance companies as shown below.
Amica now has the cheapest auto insurance in Portland with GEICO, Allied, California Casualty, and Oregon Mutual also being competitive. This example proves why it is crucial to compare many different companies to find the most budget-friendly auto insurance rates for a Nissan Versa. Rates are influenced by many different factors and change frequently, so the cheapest company when you bought your policy may now be one of the more expensive options.