Nissan Ariya Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Average auto insurance rates for a Nissan Ariya are $1,832 annually for full coverage insurance. Comprehensive insurance costs around $370 a year, collision costs $626, and liability costs $598. Buying just liability costs as little as $688 a year, with insurance for high-risk drivers costing $3,948 or more. Teenage drivers receive the highest rates at $6,954 a year or more.
Average premium for full coverage: $1,832
Rate estimates for individual coverage type:
Full coverage includes $500 deductible amounts, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and Ariya trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from as cheap as $688 for a discount liability-only rate to a high of $3,948 for a high-risk driver policy.
Price Range by Location
Your location can have significant affects on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than densely populated cities.
The diagram below illustrates how location helps determine auto insurance rates.
These examples illustrate why it is important to compare rates for a specific zip code and their own personal driving habits, instead of using 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 additional coverage choices and driver risks.
- The best discount rate is $1,075
- Drivers who choose higher $1,000 deductibles will pay about $1,604 each year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,832
- Using low $100 deductibles for comprehensive and collision insurance costs an additional $436 every year
- Higher-risk drivers who are prone to accidents and violations could pay at least $3,948 or more
- The cost with full coverage for a teen driver can be $6,954 a year
Auto insurance rates for a Nissan Ariya can also vary considerably based on the trim level of your Ariya, your risk profile, and deductibles and policy limits.
Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,700 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay as much as $6,900 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at least $2,100 to $3,000 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 128% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $670 every year, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $538 extra every year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Nissan Ariya insurance prices. 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% |
With so much variability in rates, the only way to figure out your exact price is to get quotes and see which company has the best rate. Every company uses a different method to calculate rates, and quoted rates can be significantly different between companies.
| 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 Buy More Affordable Nissan Ariya Insurance
Saving money on car insurance not only requires having a good driving record, but also having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest time comparing rates every time your policy renews by requesting rates from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.
The next list is a summary of the information covered in the charts and tables above.
- It is possible to save up to $220 per year simply by quoting early and online
- Drivers age 20 and younger are expensive to insure, costing up to $580 per month if full coverage is included
- Increasing deductibles could save up to $675 each year
- Higher risk drivers who have multiple accidents or major violations pay on average $2,120 more every year to buy Nissan Ariya insurance
- Policyholders who may need increased levels of liability coverage will pay an extra $660 annually to go from a minimum limit to higher 250/500 limits
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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