Nissan Ariya Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance rates for a Nissan Ariya are $1,832 a year with full coverage. Comprehensive insurance costs approximately $370, collision costs $626, and liability insurance is $598. Buying just liability costs around $688 a year, with insurance for high-risk drivers costing $3,948 or more. Teens cost the most to insure at $6,954 a year or more.
Average premium for full coverage: $1,832
Policy rates by type of insurance:
Prices are based on $500 deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for all Ariya models.
Price Range Variability
For the average 40-year-old driver, Nissan Ariya insurance rates go from the low end price of $688 for minimum levels of liability insurance to the much higher price of $3,948 for high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on the price of insurance. Rural locations are shown to have lower incidents of collision claims than cities with more traffic congestion.
The example below illustrates the difference location can make on auto insurance prices.
The examples above demonstrate why everyone should compare rates quotes using their specific location, rather than relying on averaged prices.
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 Details
The chart below details estimated Nissan Ariya insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $1,075
- Raising to $1,000 deductibles will save $228 annually
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,832
- Selecting pricier low deductibles will cost an additional $436 a year
- Higher-risk drivers with serious driving violations could pay around $3,948 or more
- Policy cost that insures a teen driver for full coverage can cost $6,954
Insurance rates for a Nissan Ariya also range considerably based on the model of your Ariya, your age and driving habits, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $2,100 to $3,000 extra every year, depending on your age. Nissan Ariya insurance for high-risk drivers is expensive and can cost anywhere from 43% to 128% more than the average policy. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,700 every 12 months on average, or $142 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $6,900 a year. View Rates by Age
Your home state also has a big influence on Nissan Ariya insurance rates. A middle-age driver might find rates as low as $1,320 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $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% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $670 each year, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $538 more per year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates from as many companies as possible. Every auto insurance company calculates rates differently, so the rates will be varied.
| 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 Affordable Nissan Ariya Insurance
Finding cheaper rates on Nissan Ariya insurance consists of not taking risks behind the wheel, having above-average credit, not filing small claims, and maximizing policy discounts. Compare rates every couple of years by requesting quotes from direct companies, and also from local insurance agencies.
The following is a brief review of the material that was touched on in this article.
- Drivers who purchase higher liability limits will pay approximately $660 every year to raise from a 30/60 limit to the 250/500 level
- Teens are expensive to insure, as much as $580 each month if full coverage is included
- High-risk drivers with DUI or reckless driving convictions may have to pay on average $2,120 more per year for Ariya insurance
- Increasing comprehensive and collision deductibles can save approximately $675 each year
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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