Nissan Ariya Insurance Rates

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UPDATED: Mar 28, 2024

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U.S. average insurance rates for a Nissan Ariya are $1,832 a year for full coverage. Comprehensive costs on average $370, collision insurance costs $626, and liability costs $598. Buying just liability costs as little as $688 a year, and insurance for high-risk drivers costs around $3,948. 16-year-old drivers pay the highest rates at up to $6,954 a year.

Average premium for full coverage: $1,832

Price estimates by individual coverage:

Comprehensive $370
Collision $626
Liability $598

Prices include $500 deductible amounts, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and for different Ariya trim levels.

Price Range from Low to High

For the average 40-year-old driver, Nissan Ariya insurance prices range from the low end price of $688 for just the minimum liability insurance to a much higher rate of $3,948 for a driver who has had serious violations or accidents.

Liability Only $688
Full Coverage $1,832
High Risk $3,948

Geographic Price Range

Your location can have significant affects on car insurance rates. Rural areas have lower incidents of accident claims than congested cities. The price range example below illustrates the difference location can make on car insurance rates.

Rural Areas $1,374
Small Cities $1,924
Large Cities $2,473

The ranges above show why anyone shopping for car insurance should compare rates based on a specific location, instead of using rate averages.

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 Analysis

The chart below shows average Nissan Ariya insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $1,075
  • Drivers who choose higher $1,000 deductibles will pay around $228 a year
  • The estimated price for the average middle-age driver with $500 deductibles is $1,832
  • Buying more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $2,268
  • Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,948
  • The price that insures a teen driver with full coverage may cost $6,954 a year

View Chart as Image

Nissan Ariya insurance cost comparison chart
Column chart showing Nissan Ariya insurance rates range from $1,075 to $6,954 for full coverage

Insurance prices for a Nissan Ariya are also quite variable based on the model year and trim level, how you drive, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you could be paying at a minimum $2,100 to $3,000 additional each year, depending on your age. High-risk driver insurance can cost as much as 43% to 128% more than the average rate. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,700 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $6,900 a year. View Rates by Age

The state you live in makes a big difference in Nissan Ariya insurance prices. A 40-year-old driver could pay as low as $1,210 a year in states like Idaho, Maine, and Iowa, or at least $2,610 on average in Michigan, Louisiana, and New York.

Nissan Ariya Insurance Rates by State
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%

View Chart as Image

Nissan Ariya insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $670 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $538 more each year. View Rates by Deductible or Liability Limit

Nissan Ariya Insurance Rates by Model Year
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

Getting lower rates on car insurance not only requires having a good driving record, but also having a good credit score, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Comparison shop every other policy renewal by requesting rates from direct carriers, and also from local exclusive and independent agents.

The next list is a quick rundown of the ideas that were touched on in this article.

  • Drivers age 20 and younger pay higher prices, with premiums as much as $580 a month if comprehensive and collision insurance is included
  • Higher risk drivers with reckless driving or DUI convictions may pay on average $2,120 more each year to buy Nissan Ariya insurance
  • Increasing physical damage deductibles can save approximately $675 each year
  • Drivers can save as much as $220 per year just by shopping early and online

Rates by Driver Age

Nissan Ariya Insurance 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

Nissan Ariya Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,268
$250 $2,066
$500 $1,832
$1,000 $1,604

Full coverage, driver age 40

Rates by Liability Limit

Nissan Ariya Insurance Rates with Different Liability Limits
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

Nissan Ariya Insurance 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.

SR-22 Surcharge $250

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
Rate after discounts $1,075

Discounts are estimated and may not be available from every company or in every state.

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