Nissan Ariya Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance rates for a Nissan Ariya are $1,832 a year for full coverage. Comprehensive costs around $370, collision costs $626, and liability insurance is $598. Liability-only coverage costs around $688 a year, with high-risk coverage costing around $3,948. Teens cost the most to insure at $6,954 a year or more.
Average premium for full coverage: $1,832
Policy rates for type of insurance:
Estimates include $500 deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for different Ariya trim levels.
Price Range Variability
For a driver in their 40's, Nissan Ariya insurance rates go from the low end price of $688 for minimum levels of liability insurance to a much higher rate of $3,948 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than cities with more traffic congestion.
The price range example below illustrates how location helps determine auto insurance rates.
The examples above show why anyone shopping for car insurance should compare rates quotes for a specific zip code, rather than relying on averaged prices.
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.
Additional Rate Details
The chart below shows estimated Nissan Ariya insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $1,075
- Raising to $1,000 deductibles will save about $228 a year
- The estimated price for a good driver age 40 using $500 deductibles is $1,832
- Selecting more expensive low deductibles bumps up the cost to $2,268
- Higher-risk drivers with serious driving violations could pay at least $3,948 or more
- Policy cost that insures a teen driver with full coverage can be $6,954
Insurance rates for a Nissan Ariya also range considerably based on the model year and trim level, how you drive, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you could be paying at least $2,100 to $3,000 additional every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 128% more than the average policy. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,700 every 12 months on average, or $142 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay as much as $6,900 a year. View Rates by Age
Your home state also has a big influence on Nissan Ariya insurance rates. A middle-age driver might find rates as low as $1,210 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,610 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,656 | -$176 | -9.6% |
| Alaska | $1,404 | -$428 | -23.4% |
| Arizona | $1,518 | -$314 | -17.1% |
| Arkansas | $1,832 | -$0 | 0.0% |
| California | $2,088 | $256 | 14.0% |
| Colorado | $1,748 | -$84 | -4.6% |
| Connecticut | $1,880 | $48 | 2.6% |
| Delaware | $2,072 | $240 | 13.1% |
| Florida | $2,290 | $458 | 25.0% |
| Georgia | $1,692 | -$140 | -7.6% |
| Hawaii | $1,316 | -$516 | -28.2% |
| Idaho | $1,242 | -$590 | -32.2% |
| Illinois | $1,366 | -$466 | -25.4% |
| Indiana | $1,380 | -$452 | -24.7% |
| Iowa | $1,238 | -$594 | -32.4% |
| Kansas | $1,738 | -$94 | -5.1% |
| Kentucky | $2,498 | $666 | 36.4% |
| Louisiana | $2,712 | $880 | 48.0% |
| Maine | $1,130 | -$702 | -38.3% |
| Maryland | $1,510 | -$322 | -17.6% |
| Massachusetts | $1,464 | -$368 | -20.1% |
| Michigan | $3,178 | $1,346 | 73.5% |
| Minnesota | $1,534 | -$298 | -16.3% |
| Mississippi | $2,192 | $360 | 19.7% |
| Missouri | $1,626 | -$206 | -11.2% |
| Montana | $1,966 | $134 | 7.3% |
| Nebraska | $1,444 | -$388 | -21.2% |
| Nevada | $2,192 | $360 | 19.7% |
| New Hampshire | $1,316 | -$516 | -28.2% |
| New Jersey | $2,046 | $214 | 11.7% |
| New Mexico | $1,624 | -$208 | -11.4% |
| New York | $1,928 | $96 | 5.2% |
| North Carolina | $1,054 | -$778 | -42.5% |
| North Dakota | $1,498 | -$334 | -18.2% |
| Ohio | $1,262 | -$570 | -31.1% |
| Oklahoma | $1,878 | $46 | 2.5% |
| Oregon | $1,678 | -$154 | -8.4% |
| Pennsylvania | $1,746 | -$86 | -4.7% |
| Rhode Island | $2,442 | $610 | 33.3% |
| South Carolina | $1,658 | -$174 | -9.5% |
| South Dakota | $1,546 | -$286 | -15.6% |
| Tennessee | $1,604 | -$228 | -12.4% |
| Texas | $2,204 | $372 | 20.3% |
| Utah | $1,356 | -$476 | -26.0% |
| Vermont | $1,252 | -$580 | -31.7% |
| Virginia | $1,098 | -$734 | -40.1% |
| Washington | $1,416 | -$416 | -22.7% |
| West Virginia | $1,678 | -$154 | -8.4% |
| Wisconsin | $1,270 | -$562 | -30.7% |
| Wyoming | $1,630 | -$202 | -11.0% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $670 each year, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $538 more each year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to know your exact price is to compare rates from as many companies as possible. Every auto insurance company calculates rates differently, and rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Nissan Ariya | $370 | $626 | $598 | $1,832 |
| 2023 Nissan Ariya | $356 | $610 | $624 | $1,828 |
Rates are averaged for all Nissan Ariya 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 Low Cost Nissan Ariya Insurance
Finding cheaper rates on Nissan Ariya insurance consists of not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Compare rates at least once a year by getting quotes from direct carriers, and also from several local insurance agents.
The following is a review of the primary concepts that were covered in the charts and tables above.
- Drivers can save up to $220 per year simply by shopping early and online
- High-risk drivers who have several accidents or serious violations pay on average $2,120 more every year for Ariya insurance
- Increasing comprehensive and collision deductibles can save approximately $675 each year
- Teens are charged the highest rates, costing up to $580 each month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,954 |
| 20 | $4,214 |
| 30 | $1,898 |
| 40 | $1,832 |
| 50 | $1,674 |
| 60 | $1,642 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,268 |
| $250 | $2,066 |
| $500 | $1,832 |
| $1,000 | $1,604 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,832 |
| 50/100 | $1,952 |
| 100/300 | $2,101 |
| 250/500 | $2,490 |
| 100 CSL | $2,011 |
| 300 CSL | $2,340 |
| 500 CSL | $2,580 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,880 |
| 20 | $6,698 |
| 30 | $4,020 |
| 40 | $3,948 |
| 50 | $3,768 |
| 60 | $3,732 |
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 | $96 |
| Multi-vehicle | $95 |
| Homeowner | $28 |
| 5-yr Accident Free | $128 |
| 5-yr Claim Free | $116 |
| Paid in Full/EFT | $79 |
| Advance Quote | $87 |
| Online Quote | $128 |
| Total Discounts | $757 |
Discounts are estimated and may not be available from every company or in every state.
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