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 for full coverage insurance. Comprehensive costs approximately $370 a year, collision costs $626, and liability is estimated at $598. Buying just liability costs approximately $688 a year, with insurance for high-risk drivers costing around $3,948. 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:
Estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and Ariya trim levels.
Price Range Variability
For a driver in their 40's, Nissan Ariya insurance rates go from the low end price of $688 for a discount liability-only rate to a high of $3,948 for a high-risk insurance policy.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than cities with more traffic congestion.
The diagram below illustrates how location helps determine auto insurance prices.
The examples above illustrate why it is important to get quotes using their specific location, instead of making a decision based 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.
Rates by State, City, and Model
The chart below illustrates estimated Nissan Ariya insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $1,075
- Choosing higher $1,000 deductibles can save $1,604 each year
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,832
- Selecting low $100 deductibles for comp and collision coverage bumps up the cost to $2,268
- Higher-risk drivers with serious driving violations could pay around $3,948 or more
- Policy cost that insures a 16-year-old driver can cost $6,954 each year
Insurance rates for a Nissan Ariya also range considerably based on the trim level of your Ariya, your age and driving record, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $2,100 to $3,000 extra every year, depending on your age. A high-risk auto insurance policy ranges from 43% to 128% more than the average policy. View High Risk Driver Rates
Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,700 annually 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 plays a big part in determining prices for Nissan Ariya insurance prices. A good driver about age 40 could pay as low as $1,200 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,470 on average in Florida, New York, 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% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $670 annually, while buying higher liability limits will push rates upward. Switching 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 only way to figure out who has the best car insurance rates is to get quotes from multiple companies. Each auto insurer 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 Low Cost Nissan Ariya Insurance
Finding cheaper rates on insurance for a Nissan Ariya takes being a low-risk driver, having above-average credit, being claim-free, and maximizing policy discounts. Compare rates at least every other year by requesting rates from direct insurance companies, and also from your local car insurance providers.
The items below are a review of the car insurance concepts covered in the charts and tables above.
- Drivers considered higher risk who have several accidents or serious violations could be charged and average of $2,120 more per year to insure their Ariya
- It is possible to save around $220 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles can save approximately $675 each year
- Insureds who purchase more liability coverage will pay approximately $660 annually to raise limits 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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