Nissan Leaf Insurance Rates

The average insurance rates for a Nissan Leaf are $1,234 a year for full coverage insurance. Comprehensive insurance costs an estimated $228 each year, collision insurance costs $374, and liability is estimated at $474. Buying just liability costs approximately $522 a year, and insurance for high-risk drivers costs $2,668 or more. Teens cost the most to insure at up to $4,788 a year.

Average premium for full coverage: $1,234

Policy rates broken down by type of insurance:

Full coverage includes $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and Leaf models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than cities with more traffic congestion. The graphic below illustrates how location impacts insurance prices.

The examples above illustrate why all drivers should get quotes for a targeted area and risk profile, instead of using averaged prices.

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

Detailed Rate Analysis

The chart below illustrates average Nissan Leaf insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $725
• Choosing higher $1,000 deductibles can save approximately $138 each year
• The average rate for a good driver age 40 who has $500 deductibles is $1,234
• Selecting low deductibles for comp and collision coverage will cost an extra $262 every year
• Unlucky drivers with serious driving violations could pay up to $2,668
• Policy cost for full coverage for a teen driver can cost as much as $4,788 each year

View Chart as Image

Insurance rates for a Nissan Leaf also range considerably based on your risk profile, the model year and trim level, and liability limits and deductibles.

More mature drivers with a clean driving record and high deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay at least $4,700 a year. View Rates by Age

Your home state plays a big part in determining prices for Nissan Leaf insurance prices. A good driver about age 40 could pay as low as $810 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,670 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $400 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 136% more than the average policy. View High Risk Driver Rates

How to Find More Affordable Nissan Leaf Insurance

Finding cheaper rates on car insurance takes avoiding accidents and claims, maintaining good credit, being claim-free, and deciding if full coverage is necessary. Spend time shopping around every couple of years by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The points below are a summary of the material that was touched on above.

• Policyholders who want increased liability limits will pay approximately $520 annually to raise limits from a 30/60 limit to 250/500 limits
• Drivers under the age of 20 are charged the highest rates, possibly costing $399 each month for full coverage
• Higher risk drivers who have multiple accidents or major violations pay on average $1,430 more annually to insure a Nissan Leaf
• Increasing comprehensive and collision deductibles can save around $400 each year