Nissan Leaf Insurance Rates

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UPDATED: May 14, 2024

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U.S. average insurance rates for a Nissan Leaf are $1,234 a year for full coverage. Comprehensive costs on average $228, collision insurance costs $374, and liability coverage costs $474. Liability-only insurance costs as little as $522 a year, and high-risk driver insurance costs around $2,668. Teenage drivers pay the highest rates at up to $4,788 a year.

Average premium for full coverage: $1,234

Price estimates by individual coverage:

Comprehensive $228
Collision $374
Liability $474

Prices include $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and for all Leaf models.

Price Range from Low to High

Using a 40-year-old driver as an example, Nissan Leaf insurance prices range from the low end price of $522 for your basic liability-only policy to the much higher price of $2,668 for a policy for a high-risk driver.

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

Geographic Price Range

Your location has a large influence on car insurance rates. Rural areas have lower incidents of accident claims than densely populated cities. The example below illustrates how rural and urban location affects car insurance rates.

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

The ranges above show why everyone should compare rates based on a specific location, rather than 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.

More Rate Information

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

  • The best discount rate is $725
  • Drivers who choose higher $1,000 deductibles will pay around $138 a year
  • The estimated price for the average middle-age driver with $500 deductibles is $1,234
  • Using pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,496
  • High-risk insureds who are prone to accidents and violations could pay upwards of $2,668
  • The price that insures a teenage driver for full coverage may cost $4,788 a year

View Chart as Image

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

Car insurance prices for a Nissan Leaf are also quite variable based on the model of your Leaf, how you drive, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you could be paying at a minimum $1,500 to $2,100 extra each year, depending on your age. Nissan Leaf insurance for high-risk drivers can cost around 44% to 136% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged upwards of $4,700 a year. View Rates by Age

The state you live in makes a big difference in Nissan Leaf insurance rates. A 40-year-old driver could pay as low as $810 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,760 on average in Michigan, Louisiana, and New York.

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 save up to $400 a year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

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 the Right Nissan Leaf Insurance

Getting lower rates on auto insurance not only requires avoiding accidents and claims, but also having a positive credit history, eliminating unnecessary coverage, and possibly raising deductibles. Compare prices every year by requesting quotes from direct carriers, and also from local exclusive and independent agents.

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

  • Drivers can save as much as $140 per year just by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles can save approximately $400 each year
  • Drivers under the age of 20 are expensive to insure, with premiums as much as $399 a month if full coverage is purchased
  • Drivers with reckless driving or DUI convictions may pay on average $1,430 more each year to insure a Nissan Leaf

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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