Nissan Leaf Insurance Rates

The average insurance rates for a Nissan Leaf are $1,234 a year including full coverage. Comprehensive insurance costs around $228 each year, collision insurance costs $374, and liability insurance costs $474. Buying just liability costs as little as $522 a year, and insurance for high-risk drivers costs $2,668 or more. Teenage drivers cost the most to insure at up to $4,788 a year.

Average premium for full coverage: $1,234

Policy rates for type of insurance:

Full coverage includes $500 deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and Leaf models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates how location impacts auto insurance rates.

The examples above highlight why all drivers should compare rates for a specific zip code, rather than relying on average rates.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below breaks down average Nissan Leaf insurance rates for additional coverage choices and driver risks.

• The best discount rate is $725
• Drivers who choose higher $1,000 deductibles will pay about $138 every year
• The estimated price for a good driver age 40 using $500 deductibles is $1,234
• Using low deductibles for comprehensive and collision insurance will cost an additional $262 a year
• High risk drivers who are prone to accidents and violations could pay at least $2,668
• Policy cost that insures a teen driver can be $4,788 a year

View Chart as Image

Insurance rates for a Nissan Leaf 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 $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 136% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average, or $100 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 $4,700 a year. View Rates by Age

Your home state makes a big difference in Nissan Leaf insurance rates. A 40-year-old driver could pay as low as $950 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,760 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could save up to $400 each 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 $426 more per year. View Rates by Deductible or Liability Limit

How to Find More Affordable Nissan Leaf Insurance

Finding cheaper rates on Nissan Leaf insurance not only requires not taking risks behind the wheel, but also having above-average credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Compare prices at least every other year by quoting rates from direct car insurance companies, and also from local insurance agencies.

The following is a summary of the car insurance concepts touched on above.

• High-risk drivers who have multiple accidents or major violations may have to pay on average $1,430 more every year for Leaf insurance
• You may be able to save up to $140 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $400 each year
• Drivers who may need higher liability limits will pay an extra $520 per year to go from a 30/60 limit to the 250/500 level