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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Average insurance rates for a Nissan Leaf are $1,400 a year including full coverage. Comprehensive insurance costs on average $270 each year, collision insurance costs $516, and liability is estimated at $456. A liability-only policy costs approximately $508 a year, and high-risk insurance costs $3,048 or more. Teenage drivers receive the highest rates at up to $5,330 a year.

Average premium for full coverage: $1,400

Rate estimates by individual coverage type:

Comprehensive $270
Collision $516
Liability $456

Prices include $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Leaf models.

Price Range by Coverage and Risk

For the normal driver, prices range range from as low as $508 for basic liability insurance to a high rate of $3,048 for coverage for higher-risk drivers.

Liability Only $508
Full Coverage $1,400
High Risk $3,048

Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than densely populated cities. The graphic below illustrates how geographic area affects car insurance rates.

Rural Areas $1,050
Small Cities $1,470
Large Cities $1,890

These examples highlight why all drivers should get quotes based on a specific location and risk profile, instead of using 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.

Rate Comparisons

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

  • The best discount rate is $803
  • Choosing higher $1,000 deductibles can save around $176 every year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,400
  • Using low deductibles for comp and collision coverage will cost an extra $350 every year
  • Unlucky drivers who are prone to accidents and violations could pay upwards of $3,048
  • The cost for full coverage for a teen driver may cost $5,330 each year

View Chart as Image

Nissan Leaf insurance cost comparison chart
Column chart showing Nissan Leaf insurance prices range from $803 to $5,330 for full coverage

Insurance rates for a Nissan Leaf can also vary considerably based on your driver profile, the model of your Leaf, and policy deductibles and limits.

More mature drivers with a clean driving record and high deductibles may pay as little as $1,300 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay upwards of $5,300 a year. View Rates by Age

Where you live plays a big part in determining prices for Nissan Leaf insurance prices. A good driver about age 40 could pay as low as $1,070 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,000 on average in Michigan, New York, and Louisiana.

Nissan Leaf Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,268 -$132 -9.4%
Alaska $1,074 -$326 -23.3%
Arizona $1,162 -$238 -17.0%
Arkansas $1,400 -$0 0.0%
California $1,598 $198 14.1%
Colorado $1,340 -$60 -4.3%
Connecticut $1,442 $42 3.0%
Delaware $1,586 $186 13.3%
Florida $1,754 $354 25.3%
Georgia $1,294 -$106 -7.6%
Hawaii $1,008 -$392 -28.0%
Idaho $946 -$454 -32.4%
Illinois $1,046 -$354 -25.3%
Indiana $1,056 -$344 -24.6%
Iowa $946 -$454 -32.4%
Kansas $1,330 -$70 -5.0%
Kentucky $1,912 $512 36.6%
Louisiana $2,074 $674 48.1%
Maine $864 -$536 -38.3%
Maryland $1,154 -$246 -17.6%
Massachusetts $1,122 -$278 -19.9%
Michigan $2,434 $1,034 73.9%
Minnesota $1,172 -$228 -16.3%
Mississippi $1,680 $280 20.0%
Missouri $1,242 -$158 -11.3%
Montana $1,506 $106 7.6%
Nebraska $1,104 -$296 -21.1%
Nevada $1,680 $280 20.0%
New Hampshire $1,008 -$392 -28.0%
New Jersey $1,566 $166 11.9%
New Mexico $1,242 -$158 -11.3%
New York $1,476 $76 5.4%
North Carolina $808 -$592 -42.3%
North Dakota $1,146 -$254 -18.1%
Ohio $966 -$434 -31.0%
Oklahoma $1,438 $38 2.7%
Oregon $1,284 -$116 -8.3%
Pennsylvania $1,336 -$64 -4.6%
Rhode Island $1,870 $470 33.6%
South Carolina $1,268 -$132 -9.4%
South Dakota $1,182 -$218 -15.6%
Tennessee $1,226 -$174 -12.4%
Texas $1,688 $288 20.6%
Utah $1,038 -$362 -25.9%
Vermont $960 -$440 -31.4%
Virginia $840 -$560 -40.0%
Washington $1,084 -$316 -22.6%
West Virginia $1,284 -$116 -8.3%
Wisconsin $970 -$430 -30.7%
Wyoming $1,248 -$152 -10.9%

View Chart as Image

Nissan Leaf insurance rates by U.S. city

Using high physical damage deductibles can save as much as $530 every year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $411 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,700 to $2,300 extra per year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 135% more than a normal policy. View High Risk Driver Rates

Nissan Leaf Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 Nissan Leaf $270 $516 $456 $1,400
2013 Nissan Leaf $228 $374 $474 $1,234
2012 Nissan Leaf $210 $346 $474 $1,188
2011 Nissan Leaf $206 $314 $478 $1,156

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 the Right Nissan Leaf Insurance

Saving money on car insurance takes being safe and accident-free, maintaining good credit, not filing small claims, and determing if full coverage is necessary. Invest the time to compare rates at least once a year by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

Below you'll find a quick rundown of the primary concepts that were presented in the illustrations above.

  • You may be able to save as much as $170 per year just by quoting online in advance
  • Higher risk drivers with reckless driving or DUI convictions may pay on average $1,650 more each year than a low-risk driver
  • Increasing deductibles can save around $525 each year
  • Youthful drivers pay the highest rates, as much as $444 per month for full coverage

Rates by Driver Age

Nissan Leaf Insurance Rates by Driver Age
Driver Age Premium
16 $5,330
20 $3,252
30 $1,454
40 $1,400
50 $1,282
60 $1,258

Full coverage, $500 deductibles

Rates by Deductible

Nissan Leaf Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,750
$250 $1,588
$500 $1,400
$1,000 $1,224

Full coverage, driver age 40

Rates by Liability Limit

Nissan Leaf Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,400
50/100 $1,491
100/300 $1,605
250/500 $1,902
100 CSL $1,537
300 CSL $1,788
500 CSL $1,970

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan Leaf Insurance Rates for High Risk Drivers
Age Premium
16 $7,602
20 $5,186
30 $3,106
40 $3,048
50 $2,912
60 $2,888

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 $199

Potential Rate Discounts

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

Discount Savings
Multi-policy $75
Multi-vehicle $75
Homeowner $22
5-yr Accident Free $103
5-yr Claim Free $91
Paid in Full/EFT $63
Advance Quote $69
Online Quote $99
Total Discounts $597
Rate after discounts $803

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

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