Nissan Leaf Insurance Rates
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UPDATED: Jun 6, 2023
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The average insurance prices for a Nissan Leaf are $1,400 every 12 months with full coverage. Comprehensive costs an estimated $270 a year, collision costs $516, and liability insurance is estimated at $456. Buying just liability costs approximately $508 a year, with insurance for high-risk drivers costing around $3,048. Teens cost the most to insure at $5,330 a year or more.
Average premium for full coverage: $1,400
Policy rates broken down by type of insurance:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and Leaf trim levels.
Price Range Variability
Using a middle-aged driver as an example, Nissan Leaf insurance rates go from the cheapest price of $508 for the bare minimum liability coverage to a high of $3,048 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on car insurance rates. More rural locations are shown to have more infrequent collision claims than cities with more traffic congestion.
The diagram below illustrates how where you live affects insurance prices.
The examples above demonstrate why it is important to get quotes for a targeted area and their own driving history, rather than relying on averaged prices.
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 details estimated Nissan Leaf insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $803
- Choosing higher $1,000 deductibles can save approximately $1,224 annually
- The average price for a good driver age 40 who has $500 deductibles is $1,400
- Selecting low $100 deductibles for comp and collision coverage increases the price to $1,750
- High-risk insureds with serious driving violations could pay up to $3,048 or more
- Policy cost to insure a teen driver can cost as much as $5,330 each year
Insurance rates for a Nissan Leaf also range considerably based on liability limits and deductibles, your driving record, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles can save as much as $530 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay at least $5,300 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,700 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 135% more than the average policy. View High Risk Driver Rates
Your home state plays a big part in determining prices for Nissan Leaf insurance rates. A good driver about age 40 could pay as low as $1,010 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,890 on average in New York, Michigan, and Florida.
| 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% |
Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes from as many companies as possible. Each auto insurer calculates rates differently, so the rates will be varied.
| 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 Shop for More Affordable Nissan Leaf Insurance
Finding cheaper rates on Nissan Leaf insurance takes having a decent driving record, having good credit, not filing small claims, and taking advantage of discounts. Take the time to comparison shop at every other renewal by quoting rates from direct companies, and also from your local independent and exclusive agents.
The following items are a summary of the concepts that were touched on in the above illustrations.
- High-risk drivers who have multiple accidents or major violations may pay on average $1,650 more annually than a driver with a clean driving record
- 16 to 18-year-old drivers are charged the highest rates, as much as $444 each month if they have full coverage
- You may be able to save approximately $170 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save as much as $525 each year
- You may be able to save approximately $170 per year simply by quoting early and online
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,750 |
| $250 | $1,588 |
| $500 | $1,400 |
| $1,000 | $1,224 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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