Nissan Leaf Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 14, 2024

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U.S. average auto insurance rates for a Nissan Leaf are $1,256 annually for full coverage insurance. Comprehensive costs on average $234, collision insurance costs $400, and liability coverage costs $464. Buying just liability costs as little as $514 a year, and insurance for high-risk drivers costs around $2,722. 16-year-old drivers pay the highest rates at up to $4,858 a year.

Average premium for full coverage: $1,256

Price estimates by individual coverage:

Comprehensive $234
Collision $400
Liability $464

Prices include $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and for different Leaf trim levels.

Price Range from Low to High

Using a 40-year-old driver as an example, Nissan Leaf insurance prices range from as cheap as $514 for liability-only coverage to a much higher rate of $2,722 for a high-risk driver policy.

Liability Only $514
Full Coverage $1,256
High Risk $2,722

Geographic Price Range

Your location has a large influence on insurance rates. Rural areas have fewer physical damage claims than congested cities. The price range example below illustrates how rural and urban location affects car insurance rates.

Rural Areas $942
Small Cities $1,319
Large Cities $1,696

The ranges above illustrate why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, rather than 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 Charts and Tables

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

  • The best full coverage rate is $734
  • Drivers who choose higher $1,000 deductibles will pay around $144 each year
  • The estimated rate for the average middle-age driver with $500 deductibles is $1,256
  • Buying more expensive low deductibles for comprehensive and collision insurance will cost $1,534
  • High-risk insureds with multiple tickets or accidents could pay upwards of $2,722
  • The price with full coverage for a teenage driver with full coverage may cost $4,858 a year

View Chart as Image

Nissan Leaf insurance cost comparison chart
Column chart showing Nissan Leaf insurance rates range from $734 to $4,858 for full coverage

Insurance prices for a Nissan Leaf are also quite variable based on the trim level and model year, your risk profile, and policy deductibles and limits.

An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,200 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $1,500 to $2,100 additional each year, depending on your age. High-risk driver insurance can cost around 43% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $430 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $417 more each year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Nissan Leaf insurance rates. A 40-year-old driver could pay as low as $820 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,700 on average in Michigan, New York, and Florida.

Nissan Leaf Insurance Rates by State
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%

View Chart as Image

Nissan Leaf insurance rates by U.S. city
Nissan Leaf Insurance Rates by Model Year
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 Buy the Right Nissan Leaf Insurance

Getting lower rates on auto insurance not only requires avoiding accidents and claims, but also having good credit, not filing small claims, and dropping full coverage on older vehicles. Set aside time to shop around every time your policy renews by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The points below are a quick rundown of the information raised in the charts and tables above.

  • It is possible to save as much as $150 per year just by shopping early and online
  • Drivers under the age of 20 pay higher prices, as much as $405 a month if they have full coverage
  • Increasing physical damage deductibles could save up to $425 each year
  • Drivers with reckless driving or DUI convictions may pay on average $1,470 more each year to insure a Nissan Leaf
  • Consumers who require increased liability limits will pay around $510 annually to go from a low limit to higher 250/500 limits

Rates by Driver Age

Nissan Leaf Insurance 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

Nissan Leaf Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,534
$250 $1,406
$500 $1,256
$1,000 $1,112

Full coverage, driver age 40

Rates by Liability Limit

Nissan Leaf Insurance Rates with Different Liability Limits
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

Nissan Leaf Insurance 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.

SR-22 Surcharge $175

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
Rate after discounts $734

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

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