Nissan Leaf Insurance Rates

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UPDATED: May 14, 2024

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Estimated insurance prices for a Nissan Leaf are $1,234 every 12 months with full coverage. Comprehensive insurance costs an estimated $228 a year, collision costs $374, and liability costs around $474. A liability-only policy costs as low as $522 a year, with high-risk insurance costing $2,668 or more. Teenage drivers pay the most at $4,788 a year or more.

Average premium for full coverage: $1,234

Premium estimates broken down by type of coverage:

Comprehensive $228
Collision $374
Liability $474

Estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and Leaf trim levels.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Nissan Leaf go from the cheapest price of $522 for basic liability insurance to a high of $2,668 for a high-risk insurance policy.

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

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than densely populated cities.

The diagram below illustrates how location impacts insurance prices.

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

These rate differences demonstrate why it is important to compare prices for a targeted area 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.

Rate Comparisons

The chart below details estimated Nissan Leaf insurance rates for other coverage scenarios.

  • The best discount rate is $725
  • Using higher $1,000 deductibles will save approximately $1,096 annually
  • The average price for a 40-year-old good driver who has $500 deductibles is $1,234
  • Using low $100 deductibles for physical damage coverage costs an extra $262 annually
  • High-risk insureds who are prone to accidents and violations could pay up to $2,668 or more
  • An auto insurance policy to insure a 16-year-old driver can cost as much as $4,788 or more

View Chart as Image

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

Auto insurance prices for a Nissan Leaf also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year and trim level.

Using high physical damage deductibles could cut prices by as much as $400 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay at least $4,700 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out $1,500 to $2,100 in extra premium annually, depending on your age. A high-risk auto insurance policy can be from 44% to 136% more than a normal policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Nissan Leaf insurance prices. A driver around age 40 might see prices as low as $890 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,670 on average in New York, Michigan, and Florida.

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

With such a large range in prices, the best way to find out which insurance company is cheapest is to get quotes from multiple companies. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially different.

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 Shop for Low Cost Nissan Leaf Insurance

Finding better rates on insurance for a Nissan Leaf requires being safe and accident-free, having a good credit score, being claim-free, and qualifying for all possible discounts. Spend time shopping around at least every other year by getting quotes from direct companies, and also from your local independent and exclusive agents.

Below you'll find a review of the car insurance concepts touched on above.

  • Drivers considered higher risk who have several accidents or serious violations may pay on average $1,430 more annually than a low-risk driver
  • You may be able to save approximately $140 per year simply by quoting early and online
  • Increasing policy deductibles could save as much as $400 each year
  • Insureds who want more liability protection will pay an extra $520 every year to increase from 30/60 bodily injury limits to a 250/500 level

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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