Nissan Leaf Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 14, 2024
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Estimated auto insurance rates for a Nissan Leaf are $1,234 annually including full coverage. Comprehensive insurance costs around $228, collision costs $374, and liability coverage costs around $474. A liability-only policy costs as low as $522 a year, with high-risk insurance costing $2,668 or more. Teens pay the most at $4,788 a year or more.
Average premium for full coverage: $1,234
Premium estimates for type of coverage:
Includes $500 deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and for all Leaf models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Nissan Leaf go from as cheap as $522 for a discount liability-only rate to the much higher price of $2,668 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Where you live has a large influence on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than cities with more traffic congestion.
The example below illustrates how where you live affects auto insurance rates.
These rate differences highlight why everyone should compare prices for a specific zip code and their own personal driving habits, rather than using 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.
Rates by State, City, and Model
The chart below breaks down estimated Nissan Leaf insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $725
- Using higher $1,000 deductibles will save about $138 every year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,234
- Selecting pricier low deductibles for physical damage coverage costs an additional $262 each year
- Higher-risk drivers with serious driving violations could pay at least $2,668 or more
- An auto insurance policy with full coverage for a teenage driver for full coverage can be $4,788 or more
Auto insurance prices for a Nissan Leaf also have a wide range based on the model of your Leaf, your driving characteristics, and deductibles and policy limits.
A more mature driver with a good driving record and high physical damage deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay as much as $4,700 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying at least $1,500 to $2,100 in extra premium annually, depending on your age. Nissan Leaf insurance for high-risk drivers can be around 44% to 136% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $400 a year, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Nissan Leaf insurance rates. A driver around age 40 might see prices as low as $950 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,760 on average in Michigan, New York, and Louisiana.
| 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% |
With such a large range in prices, the best way to figure out your exact price is to regularly compare prices and see how they stack up. Each insurance company calculates prices differently, and quoted prices will be substantially different between companies.
| 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 the Cheapest Nissan Leaf Insurance
Finding better rates on auto insurance requires not taking risks behind the wheel, having above-average credit, refrain from filing small claims, and maximizing policy discounts. Take the time to comparison shop at every policy renewal by requesting quotes from direct car insurance companies, and also from your local independent and exclusive agents.
The following is a recap of the data touched on in the above illustrations.
- Consumers who may need higher liability limits will pay approximately $520 per year to increase from 30/60 bodily injury limits to higher 250/500 limits
- You may be able to save up to $140 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles could save up to $400 each year
- Teens are expensive to insure, with the cost nearing $399 per month if full coverage is included
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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