Nissan Ariya Insurance Rates
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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. Comprehensive insurance costs an estimated $370 a year, collision costs $626, and liability insurance 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, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all states and Ariya trim levels.
Price Range Variability
Using a 40-year-old 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 driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Where you live has a significant impact on insurance rates. More rural locations are shown to have fewer accident claims than densely populated cities.
The diagram below illustrates how rural and urban location affects insurance prices.
The examples above show why it is important to compare prices for a targeted area and their own personal driving habits, rather than relying 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 shows 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 a 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 a year
- Drivers who are prone to accidents and violations could pay up to $3,948 or more
- Policy cost with full coverage for a teen 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 driver profile, and liability limits and deductibles.
Older drivers with no driving violations and high physical damage deductibles could pay as little 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 could be paying $2,100 to $3,000 extra every year, depending on your age. A high-risk auto insurance policy can be anywhere 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 each year, while buying higher liability limits will increase premiums. Going 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 rates. A driver around age 40 might see rates as low as $1,210 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,610 on average in New York, Louisiana, 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 know which auto insurance is cheapest is to get quotes from as many companies as possible. 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 Nissan Ariya insurance requires being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to shop around every other policy renewal by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
Below you'll find a review of the ideas that were raised in the charts and tables above.
- Youthful drivers have the highest car insurance rates, costing up to $580 each month if comprehensive and collision insurance is included
- High-risk drivers who have several accidents or serious violations may pay on average $2,120 more annually than a low-risk driver
- Increasing comprehensive and collision deductibles could save up to $675 each year
- Drivers can save approximately $220 per year simply by quoting early and online
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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