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 $1,856 a year for full coverage. Comprehensive insurance costs around $404 each year, collision insurance costs $656, and liability coverage costs around $558. Liability-only coverage costs as low as $656 a year, and high-risk coverage costs $3,986 or more. Teens cost the most to insure at up to $6,938 a year.
Average premium for full coverage: $1,856
Policy rates for type of insurance:
Includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Ariya models.
Price Range Variability
For the normal driver, Nissan Ariya insurance rates range from the low end price of $656 for minimum levels of liability insurance to a high rate of $3,986 for a high-risk driver policy.
Urban vs. Rural Price Range
Where you live has a large influence on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects auto insurance rates.
The examples above show 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.
Additional Rate Details
The chart below shows average Nissan Ariya insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $1,091
- Using higher $1,000 deductibles will save about $242 a year
- The estimated price for a good driver age 40 using $500 deductibles is $1,856
- Selecting low deductibles for physical damage coverage will cost an additional $466 each year
- Higher-risk drivers with serious driving violations could pay at least $3,986
- Policy cost that insures a teenage driver can be $6,938 or more
Insurance rates for a Nissan Ariya also range considerably based on the trim level and model year, how you drive, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you could be paying at least $2,200 to $3,000 additional every year, depending on your age. Insurance for high-risk drivers can be around 43% to 132% more than the average policy. View High Risk Driver Rates
More mature drivers with no violations or accidents 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 should be prepared 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 $1,220 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,650 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,678 | -$178 | -9.6% |
| Alaska | $1,424 | -$432 | -23.3% |
| Arizona | $1,540 | -$316 | -17.0% |
| Arkansas | $1,856 | -$0 | 0.0% |
| California | $2,116 | $260 | 14.0% |
| Colorado | $1,774 | -$82 | -4.4% |
| Connecticut | $1,906 | $50 | 2.7% |
| Delaware | $2,100 | $244 | 13.1% |
| Florida | $2,320 | $464 | 25.0% |
| Georgia | $1,714 | -$142 | -7.7% |
| Hawaii | $1,334 | -$522 | -28.1% |
| Idaho | $1,258 | -$598 | -32.2% |
| Illinois | $1,384 | -$472 | -25.4% |
| Indiana | $1,400 | -$456 | -24.6% |
| Iowa | $1,256 | -$600 | -32.3% |
| Kansas | $1,764 | -$92 | -5.0% |
| Kentucky | $2,532 | $676 | 36.4% |
| Louisiana | $2,750 | $894 | 48.2% |
| Maine | $1,146 | -$710 | -38.3% |
| Maryland | $1,532 | -$324 | -17.5% |
| Massachusetts | $1,482 | -$374 | -20.2% |
| Michigan | $3,224 | $1,368 | 73.7% |
| Minnesota | $1,556 | -$300 | -16.2% |
| Mississippi | $2,222 | $366 | 19.7% |
| Missouri | $1,648 | -$208 | -11.2% |
| Montana | $1,996 | $140 | 7.5% |
| Nebraska | $1,464 | -$392 | -21.1% |
| Nevada | $2,224 | $368 | 19.8% |
| New Hampshire | $1,334 | -$522 | -28.1% |
| New Jersey | $2,076 | $220 | 11.9% |
| New Mexico | $1,646 | -$210 | -11.3% |
| New York | $1,956 | $100 | 5.4% |
| North Carolina | $1,070 | -$786 | -42.3% |
| North Dakota | $1,520 | -$336 | -18.1% |
| Ohio | $1,280 | -$576 | -31.0% |
| Oklahoma | $1,906 | $50 | 2.7% |
| Oregon | $1,702 | -$154 | -8.3% |
| Pennsylvania | $1,772 | -$84 | -4.5% |
| Rhode Island | $2,476 | $620 | 33.4% |
| South Carolina | $1,682 | -$174 | -9.4% |
| South Dakota | $1,568 | -$288 | -15.5% |
| Tennessee | $1,624 | -$232 | -12.5% |
| Texas | $2,234 | $378 | 20.4% |
| Utah | $1,374 | -$482 | -26.0% |
| Vermont | $1,270 | -$586 | -31.6% |
| Virginia | $1,112 | -$744 | -40.1% |
| Washington | $1,434 | -$422 | -22.7% |
| West Virginia | $1,702 | -$154 | -8.3% |
| Wisconsin | $1,286 | -$570 | -30.7% |
| Wyoming | $1,654 | -$202 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $710 a year, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $502 more each year. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Nissan Ariya | $404 | $656 | $558 | $1,856 |
| 2023 Nissan Ariya | $384 | $630 | $584 | $1,836 |
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 the Cheapest Nissan Ariya Insurance
Finding cheaper rates on auto insurance requires having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Compare rates every time your policy renews by requesting rates from direct carriers, and also from several local insurance agents.
The following items are a recap of the information presented in the illustrations above.
- Drivers can save up to $220 per year just by quoting online in advance
- 16 to 18-year-old drivers are charged the highest rates, costing up to $578 each month if comprehensive and collision insurance is included
- Increasing comprehensive and collision deductibles can save approximately $700 each year
- Drivers that have major violations or accidents pay on average $2,130 more every year than a driver with a clean driving record
- Consumers who may need additional liability coverage will pay approximately $610 each 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 | $6,938 |
| 20 | $4,252 |
| 30 | $1,932 |
| 40 | $1,856 |
| 50 | $1,694 |
| 60 | $1,662 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,322 |
| $250 | $2,106 |
| $500 | $1,856 |
| $1,000 | $1,614 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,856 |
| 50/100 | $1,968 |
| 100/300 | $2,107 |
| 250/500 | $2,470 |
| 100 CSL | $2,023 |
| 300 CSL | $2,330 |
| 500 CSL | $2,554 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,864 |
| 20 | $6,750 |
| 30 | $4,068 |
| 40 | $3,986 |
| 50 | $3,800 |
| 60 | $3,764 |
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 | $97 |
| Multi-vehicle | $95 |
| Homeowner | $27 |
| 5-yr Accident Free | $131 |
| 5-yr Claim Free | $117 |
| Paid in Full/EFT | $81 |
| Advance Quote | $88 |
| Online Quote | $129 |
| Total Discounts | $765 |
Discounts are estimated and may not be available from every company or in every state.
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