Nissan Leaf Insurance Rates

U.S. average insurance rates for a Nissan Leaf are $1,234 a year for full coverage. Comprehensive costs an estimated $228, collision costs $374, and liability coverage costs around $474. Buying just liability costs as low as $522 a year, with insurance for high-risk drivers costing around $2,668. Teenage drivers pay the highest rates at $4,788 a year or more.

Average premium for full coverage: $1,234

Price estimates broken down by individual coverage:

Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for different Leaf trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on insurance rates. More rural locations have lower incidents of accident claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

The ranges above show why anyone shopping for car insurance should compare prices for a targeted area, rather than using average rates.

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

Additional Rate Details

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

• The best discount rate is $725
• Using higher $1,000 deductibles will save approximately $138 a year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,234
• Using more expensive low deductibles for physical damage coverage bumps up the cost to $1,496
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,668 or more
• The price that insures a teenage driver with full coverage can cost as much as $4,788 or more

View Chart as Image

Insurance prices for a Nissan Leaf are also quite variable based on the model year and trim level, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,500 to $2,100 additional each year, depending on your age. High-risk driver insurance can be around 44% to 136% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $4,700 a year. View Rates by Age

The state you live in has a huge impact on Nissan Leaf insurance rates. A driver around age 40 might see prices as low as $810 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,760 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $400 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know which car insurance is cheapest is to compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, and prices may be quite different.

How to Find More Affordable Nissan Leaf Insurance

Getting lower rates on auto insurance requires avoiding accidents and claims, having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Compare prices every time your policy renews by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.

The points below are a summary of the information covered above.

• Drivers can save approximately $140 per year simply by shopping early and online
• Drivers under the age of 20 are expensive to insure, with premiums as much as $399 a month if comprehensive and collision insurance is included
• Increasing physical damage deductibles can save approximately $400 each year
• Drivers who have multiple accidents or major violations may pay on average $1,430 more annually to insure a Nissan Leaf
• Consumers who want increased liability limits will pay an extra $520 each year to increase from a low limit to the 250/500 level