Nissan Ariya Insurance Rates

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UPDATED: Mar 28, 2024

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The average insurance prices for a Nissan Ariya are $1,832 every 12 months including full coverage. Comprehensive costs on average $370 a year, collision insurance costs $626, and liability coverage costs around $598. Liability-only coverage costs as low as $688 a year, and high-risk coverage costs around $3,948. Teens cost the most to insure at up to $6,954 a year.

Average premium for full coverage: $1,832

Policy rates by type of insurance:

Comprehensive $370
Collision $626
Liability $598

Estimates include $500 deductible amounts, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and Ariya trim levels.

Price Range Variability

For an average driver, Nissan Ariya insurance rates range from the cheapest price of $688 for a discount liability-only rate to a high of $3,948 for a driver that may need high-risk insurance.

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

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on car insurance rates.

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

The examples above highlight why it is important to compare prices based on a specific location and their own driving history, rather than using 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.

Rates by State, City, and Model

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

  • The cheapest rate after discounts is $1,075
  • Using higher $1,000 deductibles will save around $1,604 every year
  • The average price for a good driver age 40 with $500 deductibles is $1,832
  • Selecting low $100 deductibles for physical damage coverage increases the price to $2,268
  • Higher-risk drivers with serious driving violations could pay upwards of $3,948
  • Policy cost to insure a teenage driver may cost $6,954 or more

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 also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your Ariya.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $670 a year, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $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 a year, or $142 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay upwards of $6,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at a minimum $2,100 to $3,000 additional every year, depending on your age. A high-risk auto insurance policy can be around 43% to 128% more than the average policy. View High Risk Driver Rates

Your home state has a huge impact on Nissan Ariya insurance rates. A driver around age 40 might see rates as low as $1,400 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $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 Low Cost Nissan Ariya Insurance

Finding cheaper rates on auto insurance requires having a good driving record, having above-average credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Take the time to compare rates once a year by getting rate quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The next list is a review of the data that was covered in the above illustrations.

  • You may be able to save as much as $220 per year just by quoting early and online
  • Consumers who require increased levels of liability coverage will pay approximately $660 per year to increase from a 30/60 limit to a 250/500 level
  • Drivers age 20 and younger pay higher rates, with premiums being up to $580 each month if full coverage is included
  • Drivers who have several accidents or serious violations may pay on average $2,120 more each year to buy Nissan Ariya insurance

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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