Nissan Ariya Insurance Rates
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Michelle Robbins
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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 including full coverage. Comprehensive costs around $370 each year, collision insurance costs $626, and liability coverage costs around $598. Buying just liability costs as low as $688 a year, and insurance for high-risk drivers 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 for type of insurance:
Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Ariya models.
Price Range Variability
For a 40-year-old driver, Nissan Ariya insurance rates range from the low end price of $688 for just liability insurance to a high rate of $3,948 for a high-risk driver policy.
Urban vs. Rural Price Range
Where you live has a large influence on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how your location can change auto insurance rates.
The examples above highlight why all drivers should compare prices for a specific zip code, 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.
More Rate Details
The chart below breaks down average Nissan Ariya insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $1,075
- Using higher $1,000 deductibles will save about $228 every year
- The estimated price for a good driver age 40 using $500 deductibles is $1,832
- Selecting low deductibles for physical damage coverage bumps up the cost to $2,268
- Higher-risk drivers with serious driving violations could pay at least $3,948
- Policy cost that insures a teenage driver can be $6,954 or more
Insurance rates for a Nissan Ariya also range considerably based on the trim level and model year, your driving record and age, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you are likely paying at least $2,100 to $3,000 extra every year, depending on your age. Insurance for high-risk drivers can be around 43% to 128% more than the average policy. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,700 a year, or $142 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay as much as $6,900 a year. View Rates by Age
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.
| 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 could cut rates by as much as $670 a year, whereas increasing liability limits will increase rates. Changing 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
| 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 Low Cost Nissan Ariya Insurance
Finding cheaper rates on auto insurance requires avoiding accidents and claims, having above-average credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Compare rates every time your policy renews by quoting rates from direct car insurance companies, and also from local insurance agencies.
The points below are a review of the information illustrated above.
- You may be able to save up to $220 per year just by quoting online in advance
- Drivers under the age of 20 pay higher rates, with premiums being up to $580 each month if full coverage is included
- Increasing comprehensive and collision deductibles can save approximately $675 each year
- Drivers who have several accidents or serious violations may have to pay on average $2,120 more every year to insure a Nissan Ariya
- Consumers who may need increased liability limits will pay approximately $660 per year to increase from a 30/60 limit to the 250/500 level
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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