Nissan Ariya Insurance Rates

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UPDATED: Mar 28, 2024

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Average insurance prices for a Nissan Ariya are $1,832 every 12 months including full coverage. Comprehensive costs around $370 a year, collision insurance costs $626, and liability coverage is $598. A policy with just liability insurance costs around $688 a year, and coverage for high-risk drivers costs around $3,948. Teenage drivers receive the highest rates at up to $6,954 a year.

Average premium for full coverage: $1,832

Rate estimates for individual coverage type:

Comprehensive $370
Collision $626
Liability $598

Full coverage includes $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Ariya trim levels.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range range from the cheapest price of $688 for just liability insurance to a high of $3,948 for high-risk insurance.

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

Price Range by Location

Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than densely populated cities. The diagram below illustrates the difference location can make on auto insurance rates.

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

These examples highlight why it is important to compare rates quotes for a specific zip code and their own driving history, rather than using average rates.

Use the form below to get customized rates for your location.

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More Rate Details

The chart below breaks down average Nissan Ariya insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $1,075
  • Raising to $1,000 deductibles will save about $1,604 every year
  • The average price for a 40-year-old driver using $500 deductibles is $1,832
  • Using low $100 deductibles increases the price to $2,268
  • Unlucky drivers who are prone to accidents and violations could pay at least $3,948
  • The cost to insure a teenage driver can be $6,954

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 rates for a Nissan Ariya can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level and model year.

Using high physical damage deductibles can reduce rates by up to $670 a year, while buying higher liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $538 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $1,700 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay as much as $6,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at least $2,100 to $3,000 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 128% more than a normal policy. View High Risk Driver Rates

Where you live also has a big influence on Nissan Ariya insurance rates. A middle-age driver might find rates as low as $1,400 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,610 on average in Michigan, New York, and Louisiana.

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
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 Shop for More Affordable Nissan Ariya Insurance

Saving money on auto insurance consists of avoiding accidents and claims, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Make time to compare rates every couple of years by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The points below are a summary of the material that was touched on in this article.

  • Consumers who may need increased liability limits will pay an extra $660 per year to raise from a minimum limit to a 250/500 level
  • Drivers under the age of 20 are charged the highest rates, as much as $580 per month if full coverage is included
  • Drivers who have multiple accidents or major violations could be forced to pay on average $2,120 more every year to insure a Nissan Ariya
  • Increasing deductibles could save as much as $675 each year

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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