Nissan Ariya Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Mar 28, 2024
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Average insurance rates for a Nissan Ariya are $1,832 a year for full coverage. Comprehensive costs around $370 a year, collision costs $626, and liability is $598. A policy with just liability insurance costs around $688 a year, with coverage for high-risk drivers costing around $3,948. Teenage drivers receive the highest rates at $6,954 a year or more.
Average premium for full coverage: $1,832
Rate estimates for individual coverage type:
Prices are based on $500 physical damage deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and Ariya trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from as low as $688 for minimum levels of liability insurance to a high of $3,948 for coverage for higher-risk drivers.
Price Range by Location
Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than densely populated cities.
The diagram below illustrates how where you live affects auto insurance rates.
These examples show why it is important to compare rates quotes for a specific zip code and risk profile, instead of making a decision based 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.
Additional Rate Details
The chart below shows estimated 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 a year
- The average rate for a 40-year-old driver using $500 deductibles is $1,832
- Using low $100 deductibles will increase the cost to $2,268
- Drivers who are prone to accidents and violations could pay at least $3,948 or more
- The cost for full coverage for a 16-year-old driver can be $6,954
Insurance rates for a Nissan Ariya can also vary considerably based on your driver profile, the trim level of your Ariya, and deductibles and policy limits.
Older drivers with no violations or accidents and high deductibles may pay as low as $1,700 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay as much as $6,900 a year. View Rates by Age
Where you live also has a big influence on Nissan Ariya insurance prices. A middle-age driver might find rates as low as $1,210 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,610 on average in Michigan, Louisiana, and New York.
| 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% |
Using high physical damage deductibles can reduce rates by up to $670 annually, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $538 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be 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 from 43% to 128% more than a normal policy. View High Risk Driver Rates
With so much variability in rates, the only way to know your exact price is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate rates, and rates can be significantly different from one company to the next.
| 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
Saving money on insurance for a Nissan Ariya consists of being a safe and courteous driver, having a good credit history, eliminating unneeded coverage, and taking advantage of discounts. Take the time to comparison shop at least once a year by quoting rates from direct carriers like GEICO and Progressive, and also from local insurance agents.
Below is a brief review of the primary concepts that were touched on in the above illustrations.
- Drivers can save up to $220 per year simply by quoting early and online
- Drivers considered higher risk with DUI or reckless driving convictions may be required to pay an average of $2,120 more every year for auto insurance
- Increasing deductibles can save around $675 each year
- Teenage drivers are charged the highest rates, costing as high as $580 per month including comprehensive and collision insurance
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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