Nissan Leaf Insurance Rates

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UPDATED: May 14, 2024

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Estimated insurance rates for a Nissan Leaf are $1,256 a year including full coverage. Comprehensive insurance costs an estimated $234 a year, collision insurance costs $400, and liability coverage costs $464. A liability-only policy costs as little as $514 a year, and high-risk insurance costs $2,722 or more. Teen drivers pay the most at up to $4,858 a year.

Average premium for full coverage: $1,256

Premium estimates broken down by type of coverage:

Comprehensive $234
Collision $400
Liability $464

Price estimates include $500 deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and Leaf trim levels.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for a Nissan Leaf range from as low as $514 for your basic liability-only policy to a high of $2,722 for a driver that may need high-risk insurance.

Liability Only $514
Full Coverage $1,256
High Risk $2,722

Insurance Price Range by Location

Your location has a large influence on the price of auto insurance. More rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than larger metro areas. The diagram below illustrates the difference location can make on insurance prices.

Rural Areas $942
Small Cities $1,319
Large Cities $1,696

These rate differences highlight why it is important to compare rates for a targeted area and risk profile, rather than using price averages.

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 Information

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

  • The lowest rate with discounts is $734
  • Drivers who choose higher $1,000 deductibles will pay approximately $1,112 every year
  • The average rate for a 40-year-old good driver who has $500 deductibles is $1,256
  • Choosing low $100 deductibles for comprehensive and collision insurance will cost an extra $278 each year
  • High-risk insureds with multiple violations and an at-fault accident could pay up to $2,722
  • An auto insurance policy for full coverage for a teenage driver can cost as much as $4,858 a year

View Chart as Image

Nissan Leaf insurance cost comparison chart
Column chart showing Nissan Leaf insurance prices range from $734 to $4,858 for full coverage

Auto insurance prices for a Nissan Leaf also have a wide range based on your driving characteristics, the model of your Leaf, and liability limits and deductibles.

Older drivers with a good driving record and high deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay at least $4,800 a year. View Rates by Age

Where you choose to live makes a big difference in Nissan Leaf insurance rates. A 40-year-old driver could pay as low as $960 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,790 on average in Louisiana, New York, and Michigan.

Nissan Leaf Insurance Rates by State
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%

View Chart as Image

Nissan Leaf insurance rates by U.S. city

Choosing high deductibles could save up to $430 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost up to $417 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying $1,500 to $2,100 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost around 43% to 133% more than average. View High Risk Driver Rates

Nissan Leaf Insurance Rates by Model Year
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 Find Cheaper Nissan Leaf Insurance

Finding better rates on auto insurance not only requires not taking risks behind the wheel, but also having good credit, refrain from filing small claims, and consideration of higher deductibles. Make time to compare rates once a year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following is a condensed summary of the data that was touched on in this article.

  • You may be able to save approximately $150 per year just by quoting early and online
  • Consumers who want higher liability limits will pay about $510 per year to go from 30/60 bodily injury limits to 250/500 limits
  • Teens are the costliest to insure, with the cost nearing $405 per month if they have full coverage
  • Drivers with multiple at-fault accidents may pay on average $1,470 more annually for Leaf insurance

Rates by Driver Age

Nissan Leaf Insurance 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

Nissan Leaf Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,534
$250 $1,406
$500 $1,256
$1,000 $1,112

Full coverage, driver age 40

Rates by Liability Limit

Nissan Leaf Insurance Rates with Different Liability Limits
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

Nissan Leaf Insurance 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.

SR-22 Surcharge $175

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
Rate after discounts $734

Discounts are estimated and may not be available from every company or in every state.

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