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...

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UPDATED: Jun 6, 2023

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The average insurance rates for a Nissan Leaf are $1,440 a year for full coverage. Comprehensive costs an estimated $282, collision insurance costs $548, and liability costs around $452. Buying just liability costs as low as $504 a year, and insurance for high-risk drivers costs around $3,136. Teen drivers cost the most to insure at up to $5,452 a year.

Average premium for full coverage: $1,440

Policy rates broken down by type of insurance:

Comprehensive $282
Collision $548
Liability $452

Estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for different Leaf trim levels.

Price Range Variability

Using a 40-year-old driver as an example, Nissan Leaf insurance rates range from as low as $504 for the bare minimum liability coverage to a much higher rate of $3,136 for a driver who requires high-risk insurance.

Liability Only $504
Full Coverage $1,440
High Risk $3,136

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. More rural locations are shown to have a lower frequency of accident claims than larger metro areas. The price range example below illustrates how rural and urban location affects insurance prices.

Rural Areas $1,080
Small Cities $1,512
Large Cities $1,944

The examples above show why anyone shopping for car insurance should compare prices for a targeted area and risk profile, 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 Rate Information

The chart below shows average Nissan Leaf insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $822
  • Using higher $1,000 deductibles will save approximately $188 a year
  • The average rate for a good driver age 40 who has $500 deductibles is $1,440
  • Choosing more expensive low deductibles for physical damage coverage will increase the cost to $1,808
  • High-risk insureds with multiple violations and an at-fault accident could pay up to $3,136
  • Policy cost for full coverage for a 16-year-old driver with full coverage can cost as much as $5,452 or more

View Chart as Image

Nissan Leaf insurance cost comparison chart
Column chart showing Nissan Leaf insurance rates range from $822 to $5,452 for full coverage

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

An older driver with a clean driving record and high deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay at least $5,400 a year. View Rates by Age

Your home state has a huge impact on Nissan Leaf insurance prices. A driver around age 40 might see rates as low as $950 a year in states like Iowa, Maine, and Idaho, or as much as $2,050 on average in New York, Louisiana, and Michigan.

Nissan Leaf Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,302 -$138 -9.6%
Alaska $1,104 -$336 -23.3%
Arizona $1,196 -$244 -16.9%
Arkansas $1,440 -$0 0.0%
California $1,640 $200 13.9%
Colorado $1,374 -$66 -4.6%
Connecticut $1,480 $40 2.8%
Delaware $1,628 $188 13.1%
Florida $1,802 $362 25.1%
Georgia $1,328 -$112 -7.8%
Hawaii $1,034 -$406 -28.2%
Idaho $974 -$466 -32.4%
Illinois $1,074 -$366 -25.4%
Indiana $1,084 -$356 -24.7%
Iowa $970 -$470 -32.6%
Kansas $1,368 -$72 -5.0%
Kentucky $1,964 $524 36.4%
Louisiana $2,130 $690 47.9%
Maine $888 -$552 -38.3%
Maryland $1,186 -$254 -17.6%
Massachusetts $1,150 -$290 -20.1%
Michigan $2,502 $1,062 73.8%
Minnesota $1,206 -$234 -16.3%
Mississippi $1,724 $284 19.7%
Missouri $1,278 -$162 -11.3%
Montana $1,546 $106 7.4%
Nebraska $1,136 -$304 -21.1%
Nevada $1,728 $288 20.0%
New Hampshire $1,038 -$402 -27.9%
New Jersey $1,610 $170 11.8%
New Mexico $1,276 -$164 -11.4%
New York $1,516 $76 5.3%
North Carolina $830 -$610 -42.4%
North Dakota $1,180 -$260 -18.1%
Ohio $994 -$446 -31.0%
Oklahoma $1,478 $38 2.6%
Oregon $1,318 -$122 -8.5%
Pennsylvania $1,374 -$66 -4.6%
Rhode Island $1,920 $480 33.3%
South Carolina $1,304 -$136 -9.4%
South Dakota $1,216 -$224 -15.6%
Tennessee $1,260 -$180 -12.5%
Texas $1,736 $296 20.6%
Utah $1,066 -$374 -26.0%
Vermont $986 -$454 -31.5%
Virginia $862 -$578 -40.1%
Washington $1,114 -$326 -22.6%
West Virginia $1,320 -$120 -8.3%
Wisconsin $996 -$444 -30.8%
Wyoming $1,282 -$158 -11.0%

View Chart as Image

Nissan Leaf insurance rates by U.S. city

Choosing high deductibles could cut rates by as much as $560 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,700 to $2,400 extra every year, depending on your age. High-risk driver insurance can be from 44% to 132% more than average. View High Risk Driver Rates

Nissan Leaf Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 Nissan Leaf $282 $548 $452 $1,440
2013 Nissan Leaf $234 $400 $464 $1,256
2012 Nissan Leaf $228 $374 $474 $1,234
2011 Nissan Leaf $210 $346 $474 $1,188

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 Low Cost Nissan Leaf Insurance

Finding cheaper rates on insurance for a Nissan Leaf requires being a low-risk driver, maintaining good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Set aside time to shop around at every other renewal by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The items below are a review of the concepts that were raised in the charts and tables above.

  • Drivers considered higher risk who have several accidents or serious violations pay an average of $1,700 more annually to insure their Leaf
  • Teen drivers are charged the highest rates, costing up to $454 each month for full coverage
  • Drivers can save approximately $180 per year just by shopping early and online
  • Increasing comprehensive and collision deductibles can save around $550 each year
  • Drivers can save approximately $180 per year just by shopping early and online

Rates by Driver Age

Nissan Leaf Insurance Rates by Driver Age
Driver Age Premium
16 $5,452
20 $3,348
30 $1,496
40 $1,440
50 $1,316
60 $1,292

Full coverage, $500 deductibles

Rates by Deductible

Nissan Leaf Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,808
$250 $1,636
$500 $1,440
$1,000 $1,252

Full coverage, driver age 40

Rates by Liability Limit

Nissan Leaf Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,440
50/100 $1,530
100/300 $1,643
250/500 $1,937
100 CSL $1,576
300 CSL $1,824
500 CSL $2,005

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan Leaf Insurance Rates for High Risk Drivers
Age Premium
16 $7,782
20 $5,336
30 $3,198
40 $3,136
50 $2,996
60 $2,970

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 $205

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $77
Multi-vehicle $77
Homeowner $22
5-yr Accident Free $107
5-yr Claim Free $94
Paid in Full/EFT $66
Advance Quote $72
Online Quote $103
Total Discounts $618
Rate after discounts $822

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

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