Nissan Leaf Insurance Rates
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Michelle Robbins
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UPDATED: May 14, 2024
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Average insurance prices for a Nissan Leaf are $1,256 every 12 months for full coverage insurance. Comprehensive costs on average $234, collision costs $400, and liability costs $464. Buying just liability costs as little as $514 a year, with insurance for high-risk drivers costing around $2,722. Teenage drivers receive the highest rates at $4,858 a year or more.
Average premium for full coverage: $1,256
Rate estimates by individual coverage type:
These estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and for different Leaf trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from the cheapest price of $514 for just liability insurance to a much higher rate of $2,722 for coverage for higher-risk drivers.
Price Range by Location
Your location can make a big difference on insurance rates. Rural areas tend to have more infrequent physical damage claims than densely populated cities.
The price range example below illustrates how rural and urban location affects car insurance rates.
These examples illustrate why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, instead of making a decision based on 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 Details
The chart below illustrates estimated Nissan Leaf insurance rates for different risk profiles and scenarios.
- The best discount rate is $734
- Drivers who choose higher $1,000 deductibles will pay around $144 each year
- The average price for a 40-year-old driver with $500 deductibles is $1,256
- Using more expensive low deductibles for comprehensive and collision insurance increases the price to $1,534
- Drivers who are prone to accidents and violations could pay upwards of $2,722 or more
- The cost to insure a 16-year-old driver with full coverage may cost $4,858 a year
Auto insurance rates for a Nissan Leaf can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your Leaf.
Using high physical damage deductibles could save up to $430 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $417 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as low as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay upwards of $4,800 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,500 to $2,100 in extra premium per year, depending on your age. High-risk driver insurance can cost from 43% to 133% more than a normal policy. View High Risk Driver Rates
Where you live makes a big difference in Nissan Leaf insurance prices. A 40-year-old driver could pay as low as $820 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,700 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,136 | -$120 | -9.6% |
| Alaska | $962 | -$294 | -23.4% |
| Arizona | $1,044 | -$212 | -16.9% |
| Arkansas | $1,256 | -$0 | 0.0% |
| California | $1,432 | $176 | 14.0% |
| Colorado | $1,200 | -$56 | -4.5% |
| Connecticut | $1,292 | $36 | 2.9% |
| Delaware | $1,422 | $166 | 13.2% |
| Florida | $1,572 | $316 | 25.2% |
| Georgia | $1,160 | -$96 | -7.6% |
| Hawaii | $902 | -$354 | -28.2% |
| Idaho | $848 | -$408 | -32.5% |
| Illinois | $936 | -$320 | -25.5% |
| Indiana | $946 | -$310 | -24.7% |
| Iowa | $848 | -$408 | -32.5% |
| Kansas | $1,194 | -$62 | -4.9% |
| Kentucky | $1,714 | $458 | 36.5% |
| Louisiana | $1,860 | $604 | 48.1% |
| Maine | $774 | -$482 | -38.4% |
| Maryland | $1,036 | -$220 | -17.5% |
| Massachusetts | $1,006 | -$250 | -19.9% |
| Michigan | $2,182 | $926 | 73.7% |
| Minnesota | $1,050 | -$206 | -16.4% |
| Mississippi | $1,504 | $248 | 19.7% |
| Missouri | $1,114 | -$142 | -11.3% |
| Montana | $1,348 | $92 | 7.3% |
| Nebraska | $990 | -$266 | -21.2% |
| Nevada | $1,506 | $250 | 19.9% |
| New Hampshire | $904 | -$352 | -28.0% |
| New Jersey | $1,402 | $146 | 11.6% |
| New Mexico | $1,112 | -$144 | -11.5% |
| New York | $1,322 | $66 | 5.3% |
| North Carolina | $724 | -$532 | -42.4% |
| North Dakota | $1,028 | -$228 | -18.2% |
| Ohio | $868 | -$388 | -30.9% |
| Oklahoma | $1,290 | $34 | 2.7% |
| Oregon | $1,150 | -$106 | -8.4% |
| Pennsylvania | $1,198 | -$58 | -4.6% |
| Rhode Island | $1,678 | $422 | 33.6% |
| South Carolina | $1,138 | -$118 | -9.4% |
| South Dakota | $1,060 | -$196 | -15.6% |
| Tennessee | $1,100 | -$156 | -12.4% |
| Texas | $1,516 | $260 | 20.7% |
| Utah | $930 | -$326 | -26.0% |
| Vermont | $862 | -$394 | -31.4% |
| Virginia | $752 | -$504 | -40.1% |
| Washington | $970 | -$286 | -22.8% |
| West Virginia | $1,150 | -$106 | -8.4% |
| Wisconsin | $870 | -$386 | -30.7% |
| Wyoming | $1,120 | -$136 | -10.8% |
With so much variability in rates, the only way to figure out exactly what you will pay is to compare rates from multiple companies. Every company uses a different method to calculate rates, and quoted rates can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Nissan Leaf | $346 | $660 | $390 | $1,554 |
| 2023 Nissan Leaf | $332 | $656 | $398 | $1,544 |
| 2022 Nissan Leaf | $320 | $640 | $416 | $1,534 |
| 2021 Nissan Leaf | $310 | $612 | $430 | $1,510 |
| 2020 Nissan Leaf | $292 | $592 | $442 | $1,484 |
| 2019 Nissan Leaf | $282 | $548 | $452 | $1,440 |
| 2018 Nissan Leaf | $270 | $516 | $456 | $1,400 |
| 2017 Nissan Leaf | $258 | $464 | $460 | $1,340 |
| 2015 Nissan Leaf | $234 | $400 | $464 | $1,256 |
| 2014 Nissan Leaf | $228 | $374 | $474 | $1,234 |
| 2013 Nissan Leaf | $210 | $346 | $474 | $1,188 |
| 2012 Nissan Leaf | $206 | $314 | $478 | $1,156 |
| 2011 Nissan Leaf | $192 | $288 | $474 | $1,112 |
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 Cheap Nissan Leaf Insurance
Saving money on insurance for a Nissan Leaf not only requires having a decent driving record, but also having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to shop around at least once a year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following items are a brief summary of the primary concepts that were raised in the charts and tables above.
- It is possible to save as much as $150 per year simply by shopping early and online
- Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,470 more each year than a driver with a clean driving record
- Increasing deductibles could save as much as $425 each year
- 16 to 18-year-old drivers are charged the highest rates, costing up to $405 per month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,858 |
| 20 | $2,896 |
| 30 | $1,294 |
| 40 | $1,256 |
| 50 | $1,150 |
| 60 | $1,128 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,534 |
| $250 | $1,406 |
| $500 | $1,256 |
| $1,000 | $1,112 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,256 |
| 50/100 | $1,349 |
| 100/300 | $1,465 |
| 250/500 | $1,766 |
| 100 CSL | $1,395 |
| 300 CSL | $1,650 |
| 500 CSL | $1,836 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,900 |
| 20 | $4,620 |
| 30 | $2,764 |
| 40 | $2,722 |
| 50 | $2,600 |
| 60 | $2,578 |
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 | $66 |
| Multi-vehicle | $67 |
| Homeowner | $20 |
| 5-yr Accident Free | $87 |
| 5-yr Claim Free | $81 |
| Paid in Full/EFT | $53 |
| Advance Quote | $60 |
| Online Quote | $88 |
| Total Discounts | $522 |
Discounts are estimated and may not be available from every company or in every state.
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