Nissan Leaf Insurance Rates

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UPDATED: May 14, 2024

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Estimated insurance rates for a Nissan Leaf are $1,256 a year including full coverage. Comprehensive costs around $234, collision insurance costs $400, and liability coverage costs around $464. A policy with only liability insurance costs as low as $514 a year, and a high-risk policy costs around $2,722. Teen drivers pay the most at up to $4,858 a year.

Average premium for full coverage: $1,256

Premium estimates for type of coverage:

Comprehensive $234
Collision $400
Liability $464

Full coverage includes $500 deductible amounts, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for all Leaf models.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Nissan Leaf range from as low as $514 for basic liability insurance to the much higher price of $2,722 for a high-risk insurance policy.

Liability Only $514
Full Coverage $1,256
High Risk $2,722

Insurance Price Range by Location

Where you live has a large influence on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than larger metro areas. The example below illustrates how location helps determine auto insurance rates.

Rural Areas $942
Small Cities $1,319
Large Cities $1,696

These rate differences highlight why everyone should compare prices for a specific zip code and risk profile, rather than using price averages.

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.

Rate Comparisons

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

  • The lowest rate with discounts is $734
  • Using higher $1,000 deductibles will save about $144 every year
  • The average rate for a 40-year-old good driver using $500 deductibles is $1,256
  • Choosing pricier low deductibles for physical damage coverage will increase the cost to $1,534
  • Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,722
  • An auto insurance policy for full coverage for a teenage driver for full coverage can be $4,858 or more

View Chart as Image

Nissan Leaf insurance cost comparison chart
Column chart showing Nissan Leaf insurance rates range from $734 to $4,858 for full coverage

Car insurance prices for a Nissan Leaf also have a wide range based on your driving characteristics, the model of your Leaf, and deductibles and policy limits.

A more mature driver with no driving violations and high deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged as much as $4,800 a year. View Rates by Age

Where you choose to live has a huge impact on Nissan Leaf insurance rates. A driver around age 40 might see prices as low as $960 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,790 on average in Michigan, New York, and Louisiana.

Nissan Leaf Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,136 -$120 -9.6%
Alaska $962 -$294 -23.4%
Arizona $1,044 -$212 -16.9%
Arkansas $1,256 -$0 0.0%
California $1,432 $176 14.0%
Colorado $1,200 -$56 -4.5%
Connecticut $1,292 $36 2.9%
Delaware $1,422 $166 13.2%
Florida $1,572 $316 25.2%
Georgia $1,160 -$96 -7.6%
Hawaii $902 -$354 -28.2%
Idaho $848 -$408 -32.5%
Illinois $936 -$320 -25.5%
Indiana $946 -$310 -24.7%
Iowa $848 -$408 -32.5%
Kansas $1,194 -$62 -4.9%
Kentucky $1,714 $458 36.5%
Louisiana $1,860 $604 48.1%
Maine $774 -$482 -38.4%
Maryland $1,036 -$220 -17.5%
Massachusetts $1,006 -$250 -19.9%
Michigan $2,182 $926 73.7%
Minnesota $1,050 -$206 -16.4%
Mississippi $1,504 $248 19.7%
Missouri $1,114 -$142 -11.3%
Montana $1,348 $92 7.3%
Nebraska $990 -$266 -21.2%
Nevada $1,506 $250 19.9%
New Hampshire $904 -$352 -28.0%
New Jersey $1,402 $146 11.6%
New Mexico $1,112 -$144 -11.5%
New York $1,322 $66 5.3%
North Carolina $724 -$532 -42.4%
North Dakota $1,028 -$228 -18.2%
Ohio $868 -$388 -30.9%
Oklahoma $1,290 $34 2.7%
Oregon $1,150 -$106 -8.4%
Pennsylvania $1,198 -$58 -4.6%
Rhode Island $1,678 $422 33.6%
South Carolina $1,138 -$118 -9.4%
South Dakota $1,060 -$196 -15.6%
Tennessee $1,100 -$156 -12.4%
Texas $1,516 $260 20.7%
Utah $930 -$326 -26.0%
Vermont $862 -$394 -31.4%
Virginia $752 -$504 -40.1%
Washington $970 -$286 -22.8%
West Virginia $1,150 -$106 -8.4%
Wisconsin $870 -$386 -30.7%
Wyoming $1,120 -$136 -10.8%

View Chart as Image

Nissan Leaf insurance rates by U.S. city

Choosing high deductibles could cut prices by as much as $430 a year, whereas buying more liability protection will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $417 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying at least $1,500 to $2,100 extra annually, depending on your age. Nissan Leaf insurance for high-risk drivers can be around 43% to 133% more than average. View High Risk Driver Rates

Nissan Leaf Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Nissan Leaf $346 $660 $390 $1,554
2023 Nissan Leaf $332 $656 $398 $1,544
2022 Nissan Leaf $320 $640 $416 $1,534
2021 Nissan Leaf $310 $612 $430 $1,510
2020 Nissan Leaf $292 $592 $442 $1,484
2019 Nissan Leaf $282 $548 $452 $1,440
2018 Nissan Leaf $270 $516 $456 $1,400
2017 Nissan Leaf $258 $464 $460 $1,340
2015 Nissan Leaf $234 $400 $464 $1,256
2014 Nissan Leaf $228 $374 $474 $1,234
2013 Nissan Leaf $210 $346 $474 $1,188
2012 Nissan Leaf $206 $314 $478 $1,156
2011 Nissan Leaf $192 $288 $474 $1,112

Rates are averaged for all Nissan Leaf 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 More Affordable Nissan Leaf Insurance

Finding better rates on auto insurance requires having a good driving record, having above-average credit, refrain from filing small claims, and consideration of higher deductibles. Invest time comparing rates at least every other year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The next list is a summary of the car insurance concepts covered in the charts and tables above.

  • Drivers who have multiple accidents or major violations pay on average $1,470 more every year to buy Nissan Leaf insurance
  • You may be able to save up to $150 per year just by quoting online well ahead of the renewal date
  • Increasing policy deductibles can save around $425 each year
  • Consumers who may need increased levels of liability coverage will pay about $510 per year to increase from 30/60 bodily injury limits to 250/500 limits

Rates by Driver Age

Nissan Leaf Insurance Rates by Driver Age
Driver Age Premium
16 $4,858
20 $2,896
30 $1,294
40 $1,256
50 $1,150
60 $1,128

Full coverage, $500 deductibles

Rates by Deductible

Nissan Leaf Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,534
$250 $1,406
$500 $1,256
$1,000 $1,112

Full coverage, driver age 40

Rates by Liability Limit

Nissan Leaf Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,256
50/100 $1,349
100/300 $1,465
250/500 $1,766
100 CSL $1,395
300 CSL $1,650
500 CSL $1,836

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan Leaf Insurance Rates for High Risk Drivers
Age Premium
16 $6,900
20 $4,620
30 $2,764
40 $2,722
50 $2,600
60 $2,578

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.

SR-22 Surcharge $175

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $66
Multi-vehicle $67
Homeowner $20
5-yr Accident Free $87
5-yr Claim Free $81
Paid in Full/EFT $53
Advance Quote $60
Online Quote $88
Total Discounts $522
Rate after discounts $734

Discounts are estimated and may not be available from every company or in every state.

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