Nissan Leaf Insurance Rates
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Michelle Robbins
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UPDATED: May 14, 2024
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The average auto insurance rates for a Nissan Leaf are $1,234 annually for full coverage. Comprehensive insurance costs around $228, collision insurance costs $374, and liability costs around $474. Liability-only coverage costs as low as $522 a year, and high-risk coverage costs $2,668 or more. 16-year-old 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:
Rates are based on $500 deductible amounts, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for all Leaf models.
Price Range Variability
For a driver in their 40's, Nissan Leaf insurance rates range from as cheap as $522 for the bare minimum liability coverage to the much higher price of $2,668 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Where you live can have significant affects on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than congested cities. The example below illustrates how location helps determine auto insurance rates.
The examples above show why everyone should compare prices for a specific zip code and their own personal driving habits, instead of using rate 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.
Additional Rate Information
The chart below shows average Nissan Leaf insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $725
- Using higher $1,000 deductibles will save about $138 a year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,234
- Buying pricier low deductibles for physical damage coverage costs an additional $262 every year
- Drivers with multiple tickets or accidents could pay at least $2,668
- Policy cost with full coverage for a teen driver for full coverage can be $4,788 or more
Insurance rates for a Nissan Leaf also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.
A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay as much as $4,700 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,500 to $2,100 additional every year, depending on your age. Nissan Leaf insurance for high-risk drivers can be as much as 44% to 136% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut rates by as much as $400 every year, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Nissan Leaf insurance prices. A driver around age 40 might see rates as low as $810 a year in states like Idaho, Maine, and Iowa, or at least $1,760 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,116 | -$118 | -9.6% |
| Alaska | $944 | -$290 | -23.5% |
| Arizona | $1,022 | -$212 | -17.2% |
| Arkansas | $1,234 | -$0 | 0.0% |
| California | $1,406 | $172 | 13.9% |
| Colorado | $1,178 | -$56 | -4.5% |
| Connecticut | $1,268 | $34 | 2.8% |
| Delaware | $1,396 | $162 | 13.1% |
| Florida | $1,542 | $308 | 25.0% |
| Georgia | $1,136 | -$98 | -7.9% |
| Hawaii | $886 | -$348 | -28.2% |
| Idaho | $832 | -$402 | -32.6% |
| Illinois | $918 | -$316 | -25.6% |
| Indiana | $928 | -$306 | -24.8% |
| Iowa | $832 | -$402 | -32.6% |
| Kansas | $1,172 | -$62 | -5.0% |
| Kentucky | $1,680 | $446 | 36.1% |
| Louisiana | $1,824 | $590 | 47.8% |
| Maine | $760 | -$474 | -38.4% |
| Maryland | $1,016 | -$218 | -17.7% |
| Massachusetts | $986 | -$248 | -20.1% |
| Michigan | $2,142 | $908 | 73.6% |
| Minnesota | $1,030 | -$204 | -16.5% |
| Mississippi | $1,474 | $240 | 19.4% |
| Missouri | $1,094 | -$140 | -11.3% |
| Montana | $1,322 | $88 | 7.1% |
| Nebraska | $972 | -$262 | -21.2% |
| Nevada | $1,480 | $246 | 19.9% |
| New Hampshire | $886 | -$348 | -28.2% |
| New Jersey | $1,376 | $142 | 11.5% |
| New Mexico | $1,092 | -$142 | -11.5% |
| New York | $1,298 | $64 | 5.2% |
| North Carolina | $710 | -$524 | -42.5% |
| North Dakota | $1,010 | -$224 | -18.2% |
| Ohio | $852 | -$382 | -31.0% |
| Oklahoma | $1,266 | $32 | 2.6% |
| Oregon | $1,128 | -$106 | -8.6% |
| Pennsylvania | $1,178 | -$56 | -4.5% |
| Rhode Island | $1,644 | $410 | 33.2% |
| South Carolina | $1,116 | -$118 | -9.6% |
| South Dakota | $1,040 | -$194 | -15.7% |
| Tennessee | $1,080 | -$154 | -12.5% |
| Texas | $1,486 | $252 | 20.4% |
| Utah | $912 | -$322 | -26.1% |
| Vermont | $844 | -$390 | -31.6% |
| Virginia | $738 | -$496 | -40.2% |
| Washington | $954 | -$280 | -22.7% |
| West Virginia | $1,128 | -$106 | -8.6% |
| Wisconsin | $854 | -$380 | -30.8% |
| Wyoming | $1,098 | -$136 | -11.0% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Nissan Leaf | $332 | $656 | $398 | $1,544 |
| 2023 Nissan Leaf | $320 | $640 | $416 | $1,534 |
| 2022 Nissan Leaf | $310 | $612 | $430 | $1,510 |
| 2021 Nissan Leaf | $292 | $592 | $442 | $1,484 |
| 2020 Nissan Leaf | $282 | $548 | $452 | $1,440 |
| 2019 Nissan Leaf | $270 | $516 | $456 | $1,400 |
| 2018 Nissan Leaf | $258 | $464 | $460 | $1,340 |
| 2017 Nissan Leaf | $242 | $426 | $460 | $1,286 |
| 2015 Nissan Leaf | $228 | $374 | $474 | $1,234 |
| 2014 Nissan Leaf | $210 | $346 | $474 | $1,188 |
| 2013 Nissan Leaf | $206 | $314 | $478 | $1,156 |
| 2012 Nissan Leaf | $192 | $288 | $474 | $1,112 |
| 2011 Nissan Leaf | $180 | $262 | $474 | $1,074 |
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 Buy the Best Cheap Nissan Leaf Insurance
Finding cheaper rates on car insurance requires having a good driving record, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest time comparing rates every year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The next list is a quick review of the coverage data covered in the charts and tables above.
- Drivers can save up to $140 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save up to $400 each year
- Drivers age 20 and younger are charged the highest rates, costing up to $399 each month if they have full coverage
- Higher risk drivers with a DUI or reckless driving violation pay an average of $1,430 more every year to buy Nissan Leaf insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,788 |
| 20 | $2,836 |
| 30 | $1,270 |
| 40 | $1,234 |
| 50 | $1,128 |
| 60 | $1,106 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,496 |
| $250 | $1,374 |
| $500 | $1,234 |
| $1,000 | $1,096 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,234 |
| 50/100 | $1,329 |
| 100/300 | $1,447 |
| 250/500 | $1,755 |
| 100 CSL | $1,376 |
| 300 CSL | $1,637 |
| 500 CSL | $1,827 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,794 |
| 20 | $4,524 |
| 30 | $2,706 |
| 40 | $2,668 |
| 50 | $2,548 |
| 60 | $2,524 |
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 | $65 |
| Multi-vehicle | $66 |
| Homeowner | $20 |
| 5-yr Accident Free | $84 |
| 5-yr Claim Free | $79 |
| Paid in Full/EFT | $51 |
| Advance Quote | $58 |
| Online Quote | $86 |
| Total Discounts | $509 |
Discounts are estimated and may not be available from every company or in every state.
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