Nissan Leaf Insurance Rates

The average insurance prices for a Nissan Leaf are $1,234 every 12 months for full coverage insurance. Comprehensive costs on average $228 each year, collision insurance costs $374, and liability is $474. Liability-only insurance costs around $522 a year, and high-risk driver insurance costs around $2,668. Teens cost the most to insure at up to $4,788 a year.

Average premium for full coverage: $1,234

Policy rates by type of insurance:

Full coverage includes $500 deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and Leaf models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on insurance rates. Rural areas are shown to have more infrequent physical damage claims than cities with more traffic congestion. The graphic below illustrates the effect of geographic area on car insurance rates.

The examples above illustrate why all drivers should compare rates quotes based on a specific location and their own driving history, instead of making a decision based on averaged prices.

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

Additional Rate Analysis

The chart below illustrates average Nissan Leaf insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $725
• Raising to $1,000 deductibles will save around $138 each year
• The average price for a good driver age 40 with $500 deductibles is $1,234
• Selecting low deductibles increases the price to $1,496
• Drivers with serious driving violations could pay upwards of $2,668
• Policy cost to insure a 16-year-old driver may cost $4,788

View Chart as Image

Auto insurance rates for a Nissan Leaf also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your Leaf.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $400 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay upwards of $4,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $1,500 to $2,100 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 136% more than the average policy. View High Risk Driver Rates

Your home state also has a big influence on Nissan Leaf insurance prices. A middle-age driver might find rates as low as $810 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,670 on average in Michigan, New York, and Florida.

View Chart as Image

How to Shop for More Affordable Nissan Leaf Insurance

Finding cheaper rates on insurance for a Nissan Leaf consists of not taking risks behind the wheel, having a good credit score, being claim-free, and deciding if full coverage is necessary. Take the time to compare rates every year by requesting rates from direct insurance companies, and also from several local insurance agents.

The following is a summary of the coverage data covered in the above illustrations.

• It is possible to save as much as $140 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $400 each year
• Teens are charged the highest rates, possibly costing $399 each month if comprehensive and collision insurance is included
• Drivers considered higher risk who have multiple accidents or major violations pay on average $1,430 more each year for Leaf insurance