Nissan Leaf Insurance Rates

The average insurance rates for a Nissan Leaf are $1,256 a year for full coverage. Comprehensive insurance costs around $234 each year, collision insurance costs $400, and liability coverage is $464. Buying just liability costs around $514 a year, and insurance for high-risk drivers costs $2,722 or more. Teens cost the most to insure at up to $4,858 a year.

Average premium for full coverage: $1,256

Policy rates for type of insurance:

Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and Leaf models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects auto insurance rates.

The examples above show why all drivers should compare rates quotes for a specific zip code, rather than using averaged prices.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below shows average Nissan Leaf insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $734
• Raising to $1,000 deductibles will save about $144 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,256
• Selecting low deductibles will cost an additional $278 each year
• Unlucky drivers with serious driving violations could pay at least $2,722
• Policy cost that insures a teenage driver can be $4,858

View Chart as Image

Insurance rates for a Nissan Leaf also range considerably based on the trim level and model year, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 133% more than the average policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay as much as $4,800 a year. View Rates by Age

Your home state also has a big influence on Nissan Leaf insurance rates. A middle-age driver might find rates as low as $830 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,790 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $430 a year, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $417 more per year. View Rates by Deductible or Liability Limit

How to Find More Affordable Nissan Leaf Insurance

Finding cheaper rates on auto insurance consists of being a good driver, having above-average credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Compare rates every time your policy renews by quoting rates from direct carriers, and also from several local insurance agents.

The following list is a summary of the information presented in the illustrations above.

• Drivers can save up to $150 per year just by quoting online in advance
• Drivers age 16 to 20 pay higher rates, costing up to $405 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save approximately $425 each year
• Drivers who have multiple accidents or major violations pay on average $1,470 more every year than a safer driver
• Consumers who may need an increased level of liability coverage will pay approximately $510 each year to raise from a 30/60 limit to the 250/500 level