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2012 Nissan Leaf Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 11, 2020

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Average insurance rates for a 2012 Nissan Leaf are $1,286 a year including full coverage. Comprehensive costs an estimated $242, collision costs $426, and liability insurance costs around $460. Buying a liability-only policy costs as low as $510 a year, with high-risk insurance costing around $2,790. Teenage drivers receive the highest rates at $4,956 a year or more.

Annual premium for full coverage: $1,286

Rate estimates for 2012 Nissan Leaf Insurance

Comprehensive $242
Collision $426
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2012 Nissan Leaf models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For the average driver, prices range go from as low as $510 for the bare minimum liability coverage to a much higher rate of $2,790 for a driver that may need high-risk insurance.

Liability Only $510
Full Coverage $1,286
High Risk $2,790

View Chart as Image

2012 Nissan Leaf insurance rates compared
Column chart showing 2012 Nissan Leaf insurance prices range from $749 to $4,956 for full coverage

These differences highlight why anyone shopping for car insurance should compare prices for a targeted area and risk profile, rather than relying on average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2012 Nissan Leaf Insurance

Searching Companies

Trying to find better car insurance rates for your Nissan Leaf? Expensive car insurance can empty your personal savings and force you to prioritize other expenses. Doing a price comparison is free and is an excellent way to reduce premiums and put more money in your pocket. Online insurance companies like State Farm and GEICO continually hit you with ads and it is difficult to ignore the flashy ads and find the best price available.

If you have insurance now or need new coverage, you can use this information to cut your premiums and still get good coverage. Finding affordable coverage is quite easy. Drivers only need to know the proper methods to buy insurance coverage over the internet.

Lots of discounts mean lots of savings

Insuring your vehicles can cost a lot, but there are discounts available that you may not even be aware of. Some discounts apply automatically at the time you complete a quote, but a few must be asked for before being credited. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Sign Early and Save – Some insurance companies reward drivers for signing up before your current policy expires. It can save you around 10%.
  • College Student – Kids in college who attend school more than 100 miles from home and do not have a car may qualify for this discount.
  • Accident Free – Good drivers with no accidents pay much less when compared with drivers who are more careless.
  • Memberships – Belonging to a qualifying organization could qualify you for a break on insurance coverage for Leaf insurance.
  • Save over 55 – If you’re over the age of 55, you may be able to get better insurance coverage rates for Leaf insurance.
  • Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less for Leaf insurance than less cautious drivers.
  • Accident Waiver – Some insurance companies permit an accident without raising rates if you are claim-free for a certain period of time.
  • Government Employees – Employees or retirees of the government may qualify you for a discount for Leaf insurance depending on your company.
  • More Vehicles More Savings – Insuring multiple cars or trucks on the same insurance coverage policy qualifies for this discount.

It’s important to note that most discount credits are not given to the entire policy premium. Some only reduce individual premiums such as liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, it doesn’t quite work that way. Any qualifying discounts will help reduce your overall premium however.

Insurance companies who might offer some of the above discounts are:

It’s a good idea to ask each company how you can save money. Some discounts might not apply in your area.

Comprehensive Insurance Comparison

Finding a better price on insurance is not a difficult process. All that’s required is to spend a few minutes comparing price quotes provided by online insurance companies. It is quite easy and can be accomplished using a couple different methods.

The most efficient way to get the best comparison quotes is a comparison rater form click to view form in new window. This type of form eliminates the need for repetitive form submissions for each company you want a rate for. One simple form will return price quotes instantly.

A less efficient way to get quotes online is to take the time to go to each company website and request a quote. For instance, we’ll assume you want comparison quotes from USAA, State Farm and GEICO. To find out each rate you need to go to every website and enter your policy data, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.

The least recommended method to get comparison rates is driving to insurance agents’ offices. Shopping for insurance online can eliminate the need for a local agent unless you want the professional guidance that only a license agent can provide. You can, however, get prices online but still have the advice of a local agent. We’ll cover that shortly.

It doesn’t matter which method you choose, just double check that you are using exactly the same quote information for every quote you compare. If you enter different values for each quote you will not be able to find the best deal for your Nissan Leaf.

Factors that can influence insurance rates for a Nissan Leaf

An important part of buying insurance is that you know the different types of things that come into play when calculating your auto insurance rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that could result in much lower annual insurance costs.

The list below includes a few of the “ingredients” used by your company to calculate premiums.

  • Rates may be higher depending on your occupation – Did you know your occupation can influence how much you pay for auto insurance? Jobs such as real estate brokers, architects and financial analysts are shown to have higher average rates in part from high stress levels and lengthy work days. Conversely, occupations like farmers, engineers and homemakers pay the least for Leaf insurance.
  • Keep rates low by being claim-free – Insurance companies provide lower rates to drivers who file claims infrequently. If you frequently file small claims, you can expect higher rates. Car insurance is designed for major claims that would cause financial hardship.
  • Where do you drive? – The more you drive in a year’s time the more you’ll pay to insure your vehicle. The majority of insurers charge to insure your cars based on how the vehicle is used. Autos not used for work or commuting can get a lower rate compared to those used for work or business. Ask your agent if your auto insurance policy is showing the correct driver usage, because it can save money. Incorrect usage on your Leaf may be wasting your money.
  • Clean credit earns discounts – Your credit score is a huge factor in determining your rates. Drivers with excellent credit tend to file fewer claims and have better driving records than those with lower ratings. So if your credit is low, you could be paying less to insure your 2012 Nissan Leaf by spending a little time repairing your credit.

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Situations that might require an agent

When choosing the right insurance coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions might point out whether you might need professional guidance.

  • What is roadside assistance coverage?
  • Do I pay less for low miles?
  • Is business equipment covered while in my vehicle?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is a blown tire covered by insurance?
  • Can my teen drive my company car?
  • Do I have newly-aquired coverage?
  • Am I better off with higher deductibles on my 2012 Nissan Leaf?
  • Do I have any recourse if my insurance company denies a claim?
  • Should I file a claim if it’s only slightly more than my deductible?

If it’s difficult to answer those questions, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It’s fast, free and can provide invaluable advice.

Educate yourself about insurance coverages

Having a good grasp of insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types available from insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision insurance

This pays for damage to your Leaf resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as crashing into a building, driving through your garage door, rolling your car and colliding with a tree. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as X-ray expenses, rehabilitation expenses, surgery and EMT expenses. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

Liability coverages

Liability insurance will cover injuries or damage you cause to other’s property or people that is your fault. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as emergency aid, medical expenses, structural damage, repair costs for stationary objects and medical services. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, damage from getting keyed and hitting a bird. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Quote often and quote early

Lower-priced 2012 Nissan Leaf insurance is possible on the web as well as from independent agents, so you should be comparing quotes from both to have the best selection. There are still a few companies who don’t offer the ability to get a quote online and these smaller companies work with independent agents.

When you buy insurance online, do not buy poor coverage just to save money. In many instances, an insured dropped physical damage coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

To learn more, feel free to browse these articles:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2012 Nissan Leaf Insurance Rates by City
City Premium
New York City, NY $2,031
Los Angeles, CA $2,199
Philadelphia, PA $1,716
Jacksonville, FL $1,865
Phoenix, AZ $1,495
Chicago, IL $1,724
Houston, TX $2,018
Seattle, WA $1,255
Columbus, OH $1,074
Indianapolis, IN $1,094

Rates by Driver Age

2012 Nissan Leaf Insurance Rates by Driver Age
Driver Age Premium
16 $4,956
20 $2,972
30 $1,330
40 $1,286
50 $1,178
60 $1,154

Full coverage, $500 deductibles

Rates by Deductible

2012 Nissan Leaf Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,582
$250 $1,444
$500 $1,286
$1,000 $1,134

Full coverage, driver age 40

Rates by Liability Limit

Nissan Leaf Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,286
50/100 $1,378
100/300 $1,493
250/500 $1,792
100 CSL $1,424
300 CSL $1,677
500 CSL $1,861

Full coverage, driver age 40

Rates for High Risk Drivers

2012 Nissan Leaf Insurance Rates for High Risk Drivers
Age Premium
16 $7,044
20 $4,740
30 $2,838
40 $2,790
50 $2,666
60 $2,642

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $180

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $68
Multi-vehicle $69
Homeowner $20
5-yr Accident Free $90
5-yr Claim Free $83
Paid in Full/EFT $55
Advance Quote $62
Online Quote $90
Total Discounts $537
Rate after discounts $749

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2012 Nissan Leaf Insurance Rates by State
State Premium
Alabama $1,164
Alaska $986
Arizona $1,068
Arkansas $1,286
California $1,466
Colorado $1,230
Connecticut $1,322
Delaware $1,456
Florida $1,608
Georgia $1,188
Hawaii $924
Idaho $870
Illinois $958
Indiana $968
Iowa $868
Kansas $1,222
Kentucky $1,756
Louisiana $1,904
Maine $794
Maryland $1,062
Massachusetts $1,030
Michigan $2,234
Minnesota $1,076
Mississippi $1,540
Missouri $1,140
Montana $1,382
Nebraska $1,014
Nevada $1,544
New Hampshire $928
New Jersey $1,438
New Mexico $1,140
New York $1,354
North Carolina $742
North Dakota $1,052
Ohio $888
Oklahoma $1,322
Oregon $1,178
Pennsylvania $1,226
Rhode Island $1,716
South Carolina $1,164
South Dakota $1,086
Tennessee $1,128
Texas $1,552
Utah $952
Vermont $882
Virginia $770
Washington $996
West Virginia $1,178
Wisconsin $892
Wyoming $1,148

Free Auto Insurance Comparison

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