Nissan Leaf Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 14, 2024
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Average insurance prices for a Nissan Leaf are $1,234 every 12 months including full coverage. Comprehensive costs on average $228, collision costs $374, and liability is $474. Buying just liability costs around $522 a year, with insurance for high-risk drivers costing around $2,668. Teen drivers receive the highest rates at $4,788 a year or more.
Average premium for full coverage: $1,234
Rate estimates by individual coverage type:
These estimates include $500 physical damage deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all Leaf models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from the cheapest price of $522 for liability-only coverage to the much higher price of $2,668 for a driver that may need high-risk insurance.
Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. Rural areas tend to have more infrequent comprehensive and collision claims than larger metro areas.
The example below illustrates how location helps determine car insurance rates.
These examples highlight why everyone should compare rates quotes based on a specific location and their own driving history, instead of making a decision based on 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.
Additional Charts and Tables
The chart below breaks down estimated Nissan Leaf insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $725
- Raising to $1,000 deductibles will save around $138 every year
- The average price for a 40-year-old driver with $500 deductibles is $1,234
- Choosing pricier low deductibles increases the price to $1,496
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,668 or more
- The cost to insure a 16-year-old driver for full coverage may cost $4,788
Auto insurance rates for a Nissan Leaf can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level of your Leaf.
Choosing high deductibles can reduce rates by up to $400 annually, whereas buying more liability protection will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay upwards of $4,700 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying at a minimum $1,500 to $2,100 in extra premium per year, depending on your age. Nissan Leaf insurance for high-risk drivers is expensive and can cost from 44% to 136% more than average. View High Risk Driver Rates
Where you live also has a big influence on Nissan Leaf insurance prices. A middle-age driver might find rates as low as $950 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,760 on average in Michigan, New York, and Louisiana.
| 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% |
With so much variability in rates, the best way to figure out exactly what you will pay is to regularly compare rates from multiple companies. Every auto insurance company uses a different rate calculation, and quoted rates can be significantly different.
| 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 Shop for Cheap Nissan Leaf Insurance
Saving money on insurance for a Nissan Leaf consists of being a safe and courteous driver, having a good credit score, not filing small claims, and taking advantage of discounts. Invest time comparing rates once a year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
Below is a brief summary of the data that was covered in the charts and tables above.
- You may be able to save as much as $140 per year simply by quoting online well ahead of the renewal date
- Insureds who require higher levels of liability will pay about $520 per year to raise from a minimum limit to a 250/500 level
- Teenage drivers are charged the highest rates, as much as $399 per month if comprehensive and collision insurance is included
- Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,430 more each year for auto 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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