Nissan Ariya Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a Nissan Ariya are $1,832 annually for full coverage insurance. Comprehensive insurance costs an estimated $370 a year, collision costs $626, and liability costs around $598. A liability-only policy costs as low as $688 a year, with high-risk insurance costing $3,948 or more. Teenage drivers cost the most to insure at $6,954 a year or more.
Average premium for full coverage: $1,832
Policy rates broken down by type of insurance:
Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and Ariya trim levels.
Price Range Variability
Using a middle-aged driver as an example, Nissan Ariya insurance rates go from as cheap as $688 for just liability insurance to a high of $3,948 for a high-risk driver policy.
Urban vs. Rural Price Range
Where you live can make a big difference on the price of insurance. More rural locations are shown to have fewer physical damage claims than densely populated cities.
The diagram below illustrates how where you live affects insurance prices.
The examples above illustrate why it is important to compare prices for a targeted area and their own personal driving habits, 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.
More Rate Details
The chart below illustrates estimated Nissan Ariya insurance rates for other coverage scenarios.
- The best discount rate is $1,075
- Using higher $1,000 deductibles will save approximately $1,604 each year
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,832
- Using low $100 deductibles for physical damage coverage costs an additional $436 annually
- High-risk insureds who are prone to accidents and violations could pay up to $3,948 or more
- Policy cost with full coverage for a 16-year-old driver can cost as much as $6,954 or more
Car insurance rates for a Nissan Ariya also range considerably based on the model year and trim level, your risk profile, and liability limits and deductibles.
Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,700 a year, or $142 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged at least $6,900 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying $2,100 to $3,000 extra every year, depending on your age. A high-risk auto insurance policy can be from 43% to 128% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut rates by as much as $670 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $538 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Nissan Ariya insurance prices. A driver around age 40 might see rates as low as $1,200 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,470 on average in Florida, New York, and Michigan.
| 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% |
Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to get quotes from multiple companies. Each insurance company uses a different method to calculate rates, so rate quotes will be varied 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 Low Cost Nissan Ariya Insurance
Finding cheaper rates on insurance for a Nissan Ariya requires being a good driver, having a good credit score, being claim-free, and not having any coverage lapses. Take the time to comparison shop every time your policy renews by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following list is a review of the information touched on in the above illustrations.
- It is possible to save approximately $220 per year simply by quoting early and online
- Drivers age 16 to 20 have the highest car insurance rates, possibly costing $580 each month if comprehensive and collision insurance is included
- Increasing comprehensive and collision deductibles could save up to $675 each year
- Drivers considered higher risk who have several accidents or serious violations may pay on average $2,120 more annually than a safer driver
- Insureds who want an increased level of liability coverage will pay an extra $660 annually to increase from a 30/60 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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