Nissan Ariya Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Mar 28, 2024
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Average insurance rates for a Nissan Ariya are $1,832 a year with full coverage. Comprehensive insurance costs an estimated $370, collision costs $626, and liability is $598. Liability-only coverage costs around $688 a year, with high-risk coverage 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 broken down by individual coverage type:
Full coverage includes $500 deductible amounts, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and for different Ariya trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from the low end price of $688 for the bare minimum liability coverage to a much higher rate of $3,948 for a high-risk insurance policy.
Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. More rural locations tend to have lower incidents of collision claims than densely populated cities.
The price range example below illustrates how your location can change insurance prices.
These examples demonstrate why anyone shopping for car insurance should compare rates quotes for a targeted area, instead of making a decision based 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.
Additional Rate Information
The chart below details estimated Nissan Ariya insurance rates for other coverage scenarios.
- The best discount rate is $1,075
- Raising to $1,000 deductibles will save approximately $228 annually
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,832
- Using more expensive low deductibles will cost an additional $436 annually
- Drivers who are prone to accidents and violations could pay up to $3,948 or more
- The cost that insures a 16-year-old driver with full coverage can cost as much as $6,954
Car insurance rates for a Nissan Ariya can also vary considerably based on the model year and trim level, your age and driving habits, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you may be forking out $2,100 to $3,000 extra per year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 128% more than a normal policy. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,700 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged at least $6,900 a year. View Rates by Age
Where you live also has a big influence on Nissan Ariya insurance prices. A middle-age driver might find rates as low as $1,320 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,470 on average in New York, Michigan, 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 can reduce rates by up to $670 annually, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $538 extra every 12 months. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to find out which company is cheapest is to compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, so rate quotes can be significantly different.
| 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 More Affordable Nissan Ariya Insurance
Saving money on insurance for a Nissan Ariya consists of having a good driving record, having a positive credit history, eliminating unnecessary coverage, and not having any coverage lapses. Compare prices at least every other year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The next list is a summary of the car insurance concepts illustrated above.
- Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $2,120 more annually to buy Nissan Ariya insurance
- You may be able to save approximately $220 per year simply by shopping early and online
- Increasing deductibles can save approximately $675 each year
- Insureds who want increased levels of liability coverage will pay an extra $660 every year to raise from a minimum limit to the 250/500 level
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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