Nissan Leaf Insurance Rates
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UPDATED: Jun 6, 2023
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The average insurance rates for a Nissan Leaf are $1,400 a year including full coverage. Comprehensive insurance costs an estimated $270 a year, collision costs $516, and liability is estimated at $456. A liability-only policy costs approximately $508 a year, with high-risk insurance costing $3,048 or more. 16-year-old drivers cost the most to insure at $5,330 a year or more.
Average premium for full coverage: $1,400
Policy rates broken down by type of insurance:
Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Leaf trim levels.
Price Range Variability
For a driver in their 40's, Nissan Leaf insurance rates go from the low end price of $508 for just liability insurance to a high of $3,048 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than congested cities.
The diagram below illustrates how location helps determine insurance prices.
The examples above highlight why it is important to get quotes for a targeted area, instead of using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below breaks down estimated Nissan Leaf insurance rates for other coverage scenarios.
- The best full coverage rate is $803
- Choosing higher $1,000 deductibles can save approximately $1,224 every year
- The estimated price for a good driver age 40 who has $500 deductibles is $1,400
- Buying low $100 deductibles for comp and collision coverage will cost an additional $350 every year
- Unlucky drivers with multiple tickets or accidents could pay up to $3,048 or more
- Policy cost that insures a teen driver can cost as much as $5,330 each year
Car insurance rates for a Nissan Leaf also range considerably based on the trim level of your Leaf, your driving record and age, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you are likely paying $1,700 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 135% more than the average rate. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged at least $5,300 a year. View Rates by Age
Your home state plays a big part in determining prices for Nissan Leaf insurance prices. A good driver about age 40 could pay as low as $1,070 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,000 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,268 | -$132 | -9.4% |
| Alaska | $1,074 | -$326 | -23.3% |
| Arizona | $1,162 | -$238 | -17.0% |
| Arkansas | $1,400 | -$0 | 0.0% |
| California | $1,598 | $198 | 14.1% |
| Colorado | $1,340 | -$60 | -4.3% |
| Connecticut | $1,442 | $42 | 3.0% |
| Delaware | $1,586 | $186 | 13.3% |
| Florida | $1,754 | $354 | 25.3% |
| Georgia | $1,294 | -$106 | -7.6% |
| Hawaii | $1,008 | -$392 | -28.0% |
| Idaho | $946 | -$454 | -32.4% |
| Illinois | $1,046 | -$354 | -25.3% |
| Indiana | $1,056 | -$344 | -24.6% |
| Iowa | $946 | -$454 | -32.4% |
| Kansas | $1,330 | -$70 | -5.0% |
| Kentucky | $1,912 | $512 | 36.6% |
| Louisiana | $2,074 | $674 | 48.1% |
| Maine | $864 | -$536 | -38.3% |
| Maryland | $1,154 | -$246 | -17.6% |
| Massachusetts | $1,122 | -$278 | -19.9% |
| Michigan | $2,434 | $1,034 | 73.9% |
| Minnesota | $1,172 | -$228 | -16.3% |
| Mississippi | $1,680 | $280 | 20.0% |
| Missouri | $1,242 | -$158 | -11.3% |
| Montana | $1,506 | $106 | 7.6% |
| Nebraska | $1,104 | -$296 | -21.1% |
| Nevada | $1,680 | $280 | 20.0% |
| New Hampshire | $1,008 | -$392 | -28.0% |
| New Jersey | $1,566 | $166 | 11.9% |
| New Mexico | $1,242 | -$158 | -11.3% |
| New York | $1,476 | $76 | 5.4% |
| North Carolina | $808 | -$592 | -42.3% |
| North Dakota | $1,146 | -$254 | -18.1% |
| Ohio | $966 | -$434 | -31.0% |
| Oklahoma | $1,438 | $38 | 2.7% |
| Oregon | $1,284 | -$116 | -8.3% |
| Pennsylvania | $1,336 | -$64 | -4.6% |
| Rhode Island | $1,870 | $470 | 33.6% |
| South Carolina | $1,268 | -$132 | -9.4% |
| South Dakota | $1,182 | -$218 | -15.6% |
| Tennessee | $1,226 | -$174 | -12.4% |
| Texas | $1,688 | $288 | 20.6% |
| Utah | $1,038 | -$362 | -25.9% |
| Vermont | $960 | -$440 | -31.4% |
| Virginia | $840 | -$560 | -40.0% |
| Washington | $1,084 | -$316 | -22.6% |
| West Virginia | $1,284 | -$116 | -8.3% |
| Wisconsin | $970 | -$430 | -30.7% |
| Wyoming | $1,248 | -$152 | -10.9% |
Opting for high physical damage deductibles can save as much as $530 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes and see which company has the best rate. Each auto insurer utilizes a different rate formula, so rate quotes will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Nissan Leaf | $270 | $516 | $456 | $1,400 |
| 2013 Nissan Leaf | $228 | $374 | $474 | $1,234 |
| 2012 Nissan Leaf | $210 | $346 | $474 | $1,188 |
| 2011 Nissan Leaf | $206 | $314 | $478 | $1,156 |
Rates are averaged for all Nissan Leaf models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Nissan Leaf Insurance
Finding cheaper rates on car insurance takes being safe and accident-free, having a positive credit history, paying for small claims out-of-pocket, and not having any coverage lapses. Comparison shop at every other renewal by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.
Below you'll find a brief recap of the concepts that were covered in the charts and tables above.
- Higher risk drivers who tend to receive serious violations could be charged and average of $1,650 more annually than a low-risk driver
- Youthful drivers have the highest car insurance rates, with premiums being up to $444 each month if full coverage is purchased
- You may be able to save approximately $170 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles can save approximately $525 each year
- You may be able to save approximately $170 per year simply by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,330 |
| 20 | $3,252 |
| 30 | $1,454 |
| 40 | $1,400 |
| 50 | $1,282 |
| 60 | $1,258 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,750 |
| $250 | $1,588 |
| $500 | $1,400 |
| $1,000 | $1,224 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,400 |
| 50/100 | $1,491 |
| 100/300 | $1,605 |
| 250/500 | $1,902 |
| 100 CSL | $1,537 |
| 300 CSL | $1,788 |
| 500 CSL | $1,970 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,602 |
| 20 | $5,186 |
| 30 | $3,106 |
| 40 | $3,048 |
| 50 | $2,912 |
| 60 | $2,888 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $75 |
| Multi-vehicle | $75 |
| Homeowner | $22 |
| 5-yr Accident Free | $103 |
| 5-yr Claim Free | $91 |
| Paid in Full/EFT | $63 |
| Advance Quote | $69 |
| Online Quote | $99 |
| Total Discounts | $597 |
Discounts are estimated and may not be available from every company or in every state.
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