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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The average insurance prices for a Nissan Leaf are $1,256 every 12 months including full coverage. Comprehensive insurance costs approximately $234 each year, collision costs $400, and liability insurance is $464. Liability-only coverage costs around $514 a year, with high-risk coverage costing $2,722 or more. Teen drivers cost the most to insure at $4,858 a year or more.
Average premium for full coverage: $1,256
Policy rates by type of insurance:
Rates are based on $500 deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Leaf models.
Price Range Variability
For the normal driver, Nissan Leaf insurance rates go from the cheapest price of $514 for the bare minimum liability coverage to a high rate of $2,722 for a high-risk insurance policy.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than larger metro areas.
The graphic below illustrates how geographic area affects auto insurance prices.
The examples above highlight why all drivers should compare rates quotes using their specific location and their own driving history, rather than relying 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 Rate Information
The chart below breaks down estimated Nissan Leaf insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $734
- Raising to $1,000 deductibles will save $144 every year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,256
- Choosing low deductibles costs an extra $278 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,722 or more
- Policy cost to insure a teen driver can cost $4,858
Insurance rates for a Nissan Leaf also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Leaf.
Choosing high deductibles can reduce rates by up to $430 each year, whereas increasing liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $417 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $4,800 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 likely paying anywhere from $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 133% more than average. View High Risk Driver Rates
Your home state also has a big influence on Nissan Leaf insurance rates. A middle-age driver might find rates as low as $960 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,790 on average in Louisiana, New York, and Michigan.
| 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% |
Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different rate calculation, and rates will be varied.
| 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 Shop for the Best Cheap Nissan Leaf Insurance
Finding cheaper rates on Nissan Leaf insurance consists of not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest the time to compare rates at least every other year by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.
The following is a quick review of the car insurance concepts presented in the illustrations above.
- High-risk drivers with a DUI or reckless driving violation could be charged and average of $1,470 more per year for Leaf insurance
- You may be able to save around $150 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles could save as much as $425 each year
- Drivers who purchase higher liability limits will pay about $510 per year to raise from a 30/60 limit to a 250/500 level
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,534 |
| $250 | $1,406 |
| $500 | $1,256 |
| $1,000 | $1,112 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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