Nissan Leaf Insurance Rates

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UPDATED: May 14, 2024

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Estimated insurance rates for a Nissan Leaf are $1,234 a year with full coverage. Comprehensive costs approximately $228, collision costs $374, and liability costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing around $2,668. Teenage drivers pay the most at $4,788 a year or more.

Average premium for full coverage: $1,234

Premium estimates by type of coverage:

Comprehensive $228
Collision $374
Liability $474

These estimates include $500 deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and for all Leaf models.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for a Nissan Leaf go from the low end price of $522 for just liability insurance to the much higher price of $2,668 for high-risk insurance.

Liability Only $522
Full Coverage $1,234
High Risk $2,668

Insurance Price Range by Location

Where you live can make a big difference on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than densely populated cities.

The example below illustrates the difference location can make on auto insurance prices.

Rural Areas $926
Small Cities $1,296
Large Cities $1,666

These rate differences demonstrate why everyone should compare prices using their specific location, instead of making a decision based on average rates.

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.

More Rate Details

The chart below details estimated Nissan Leaf insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $725
  • Using higher $1,000 deductibles will save $138 annually
  • The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,234
  • Using pricier low deductibles for physical damage coverage bumps up the cost to $1,496
  • High-risk insureds who are prone to accidents and violations could pay around $2,668 or more
  • An auto insurance policy that insures a 16-year-old driver for full coverage can cost $4,788 or more

View Chart as Image

Nissan Leaf insurance cost comparison chart
Column chart showing full coverage Nissan Leaf insurance rates range from $725 to $4,788

Insurance prices for a Nissan Leaf also have a wide range based on the model of your Leaf, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you may be forking out anywhere from $1,500 to $2,100 extra annually, depending on your age. Nissan Leaf insurance for high-risk drivers can be from 44% to 136% more than a normal policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $4,700 a year. View Rates by Age

Where you choose to live has a huge impact on Nissan Leaf insurance prices. A driver around age 40 might see prices as low as $890 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,670 on average in New York, Michigan, and Florida.

Nissan Leaf Insurance Rates by State
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%

View Chart as Image

Nissan Leaf insurance rates by U.S. city

Using high physical damage deductibles could cut prices by as much as $400 annually, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices from multiple companies. Each insurance company uses a different method to calculate prices, so the prices will be substantially different.

Nissan Leaf Insurance Rates by Model Year
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 Find Cheap Nissan Leaf Insurance

Finding better rates on insurance for a Nissan Leaf requires not taking risks behind the wheel, having above-average credit, being claim-free, and maximizing policy discounts. Compare prices every couple of years by requesting quotes from direct companies, and also from local insurance agencies.

The following is a brief summary of the material that was touched on in this article.

  • Insureds who purchase higher liability limits will pay an extra $520 every year to increase from 30/60 bodily injury limits to the 250/500 level
  • Teens are expensive to insure, possibly costing $399 per month if full coverage is included
  • Drivers considered higher risk that tend to have accidents or serious violations may have to pay on average $1,430 more per year for Leaf insurance
  • Increasing policy deductibles can save approximately $400 each year

Rates by Driver Age

Nissan Leaf Insurance 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

Nissan Leaf Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,496
$250 $1,374
$500 $1,234
$1,000 $1,096

Full coverage, driver age 40

Rates by Liability Limit

Nissan Leaf Insurance Rates with Different Liability Limits
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

Nissan Leaf Insurance 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.

SR-22 Surcharge $171

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
Rate after discounts $725

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

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