Nissan Leaf Insurance Rates
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Michelle Robbins
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UPDATED: May 14, 2024
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The average auto insurance rates for a Nissan Leaf are $1,234 annually for full coverage insurance. Comprehensive costs approximately $228 a year, collision insurance costs $374, and liability coverage is estimated at $474. Liability-only insurance costs approximately $522 a year, and high-risk driver insurance costs around $2,668. 16-year-old drivers cost the most to insure at up to $4,788 a year.
Average premium for full coverage: $1,234
Policy rates by type of insurance:
Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and Leaf trim levels.
Price Range Variability
For the average 40-year-old driver, Nissan Leaf insurance rates range from as cheap as $522 for liability-only coverage to a high of $2,668 for a high-risk insurance policy.
Urban vs. Rural Price Range
Living in a larger city has a large influence on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than congested cities. The diagram below illustrates the difference location can make on auto insurance prices.
The examples above illustrate why it is important to get quotes using their 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 additional coverage and risk scenarios.
- The best full coverage rate is $725
- Choosing higher $1,000 deductibles can save $1,096 each year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,234
- Buying low $100 deductibles for comp and collision coverage will cost $1,496
- Drivers with multiple tickets or accidents could pay around $2,668
- Policy cost with full coverage for a teenage driver can cost $4,788 each year
Auto insurance rates for a Nissan Leaf also range considerably based on the model year and trim level, your risk profile, and physical damage deductibles and liability limits.
Older drivers with a good driving record and high physical damage deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $4,700 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying anywhere from $1,500 to $2,100 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges around 44% to 136% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $400 a year, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit
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 $810 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,670 on average in Florida, New York, and Michigan.
| 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% |
| 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 Buy Low Cost Nissan Leaf Insurance
Finding cheaper rates on auto insurance takes having a decent driving record, having above-average credit, being claim-free, and possibly higher deductibles. Make time to compare rates at least every other year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following items are a review of the car insurance concepts touched on in this article.
- Drivers who have several accidents or serious violations could be forced to pay on average $1,430 more per year than a driver with a clean driving record
- It is possible to save around $140 per year just by quoting early and online
- Increasing comprehensive and collision deductibles could save up to $400 each year
- Consumers who purchase additional liability coverage will pay around $520 annually to raise limits from a 30/60 limit to higher 250/500 limits
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,496 |
| $250 | $1,374 |
| $500 | $1,234 |
| $1,000 | $1,096 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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