Nissan Ariya Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Estimated insurance rates for a Nissan Ariya are $1,832 a year for full coverage insurance. Comprehensive insurance costs on average $370 a year, collision costs $626, and liability insurance costs $598. Liability-only insurance costs as little as $688 a year, with high-risk driver insurance costing $3,948 or more. Teenage drivers pay the most at $6,954 a year or more.
Average premium for full coverage: $1,832
Premium estimates by type of coverage:
Prices include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and Ariya trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Nissan Ariya go from as low as $688 for a discount liability-only rate to a high of $3,948 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Your location has a significant impact on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than densely populated cities.
The diagram below illustrates how location helps determine car insurance rates.
These rate differences illustrate why it is important to compare rates based on a specific location and risk profile, rather than relying on average rates.
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.
Rates by State, City, and Model
The chart below illustrates estimated Nissan Ariya insurance rates for different risk profiles and scenarios.
- The best discount rate is $1,075
- Drivers who choose higher $1,000 deductibles will pay around $1,604 each year
- The average rate for a 40-year-old good driver with $500 deductibles is $1,832
- Using low $100 deductibles for comprehensive and collision insurance will cost an extra $436 a year
- High risk drivers who are prone to accidents and violations could pay upwards of $3,948 or more
- An auto insurance policy for full coverage for a teen driver may cost $6,954 a year
Insurance prices for a Nissan Ariya also have a wide range based on your driving characteristics, the model year and trim level, and policy deductibles and limits.
Older drivers with no violations or accidents and high deductibles could pay as little as $1,700 per year on average, or $142 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay upwards of $6,900 a year. View Rates by Age
Where you choose to live makes a big difference in Nissan Ariya insurance rates. A 40-year-old driver could pay as low as $1,200 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,470 on average in Michigan, New York, and Florida.
| 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% |
Using high physical damage deductibles could save up to $670 each year, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $538 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying at a minimum $2,100 to $3,000 additional annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 128% more than a normal policy. View High Risk Driver Rates
With such a large range in prices, the only way to figure out exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different method to calculate prices, and prices will be substantially different from one company to the next.
| 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 the Right Nissan Ariya Insurance
Finding better rates on Nissan Ariya insurance not only requires being a low-risk driver, but also having a good credit history, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Invest time comparing rates every other policy renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The items below are a quick rundown of the ideas that were covered in the charts and tables above.
- Teen drivers pay higher prices, with premiums being up to $580 per month including comprehensive and collision insurance
- High-risk drivers with reckless driving or DUI convictions pay an average of $2,120 more each year to insure their Ariya
- Increasing policy deductibles can save around $675 each year
- It is possible to save as much as $220 per year simply by quoting early and online
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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