Nissan Ariya Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average auto insurance rates for a Nissan Ariya are $1,836 annually with full coverage. Comprehensive costs around $384 a year, collision costs $630, and liability insurance costs around $584. A policy with just liability insurance costs as low as $678 a year, with coverage for high-risk drivers costing around $3,956. Teenage drivers pay the highest rates at $6,936 a year or more.
Average premium for full coverage: $1,836
Price estimates for individual coverage:
Includes $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and Ariya trim levels.
Price Range from Low to High
For the average 40-year-old driver, Nissan Ariya insurance prices go from as cheap as $678 for your basic liability-only policy to a high of $3,956 for a driver who has had serious violations or accidents.
Geographic Price Range
Where you live has a significant impact on insurance rates. Areas with sparse population have fewer collision claims than densely populated cities.
The diagram below illustrates the difference location can make on auto insurance rates.
The ranges above demonstrate why it is important to compare prices for a specific zip code and their own personal driving habits, rather than relying 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.
More Rate Information
The chart below details estimated Nissan Ariya insurance rates for additional coverage choices and driver risks.
- The best discount rate is $1,079
- Using higher $1,000 deductibles will save about $1,606 annually
- The estimated rate for the average middle-age driver using $500 deductibles is $1,836
- Using low $100 deductibles for physical damage coverage will cost $2,284
- Drivers who are prone to accidents and violations could pay at least $3,956 or more
- The price with full coverage for a teen driver can be $6,936 or more
Insurance prices for a Nissan Ariya are also quite variable based on the trim level and model year, your driving record, and deductibles and policy limits.
Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,700 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay as much as $6,900 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out at least $2,100 to $3,000 extra each year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 127% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut prices by as much as $680 each year, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $525 more per year. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Nissan Ariya insurance rates. A driver around age 40 might see prices as low as $1,320 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,480 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,662 | -$174 | -9.5% |
| Alaska | $1,410 | -$426 | -23.2% |
| Arizona | $1,526 | -$310 | -16.9% |
| Arkansas | $1,836 | -$0 | 0.0% |
| California | $2,096 | $260 | 14.2% |
| Colorado | $1,756 | -$80 | -4.4% |
| Connecticut | $1,888 | $52 | 2.8% |
| Delaware | $2,082 | $246 | 13.4% |
| Florida | $2,298 | $462 | 25.2% |
| Georgia | $1,698 | -$138 | -7.5% |
| Hawaii | $1,318 | -$518 | -28.2% |
| Idaho | $1,246 | -$590 | -32.1% |
| Illinois | $1,370 | -$466 | -25.4% |
| Indiana | $1,386 | -$450 | -24.5% |
| Iowa | $1,242 | -$594 | -32.4% |
| Kansas | $1,748 | -$88 | -4.8% |
| Kentucky | $2,508 | $672 | 36.6% |
| Louisiana | $2,724 | $888 | 48.4% |
| Maine | $1,136 | -$700 | -38.1% |
| Maryland | $1,516 | -$320 | -17.4% |
| Massachusetts | $1,470 | -$366 | -19.9% |
| Michigan | $3,192 | $1,356 | 73.9% |
| Minnesota | $1,540 | -$296 | -16.1% |
| Mississippi | $2,202 | $366 | 19.9% |
| Missouri | $1,634 | -$202 | -11.0% |
| Montana | $1,976 | $140 | 7.6% |
| Nebraska | $1,450 | -$386 | -21.0% |
| Nevada | $2,204 | $368 | 20.0% |
| New Hampshire | $1,324 | -$512 | -27.9% |
| New Jersey | $2,054 | $218 | 11.9% |
| New Mexico | $1,628 | -$208 | -11.3% |
| New York | $1,938 | $102 | 5.6% |
| North Carolina | $1,060 | -$776 | -42.3% |
| North Dakota | $1,504 | -$332 | -18.1% |
| Ohio | $1,270 | -$566 | -30.8% |
| Oklahoma | $1,888 | $52 | 2.8% |
| Oregon | $1,684 | -$152 | -8.3% |
| Pennsylvania | $1,756 | -$80 | -4.4% |
| Rhode Island | $2,454 | $618 | 33.7% |
| South Carolina | $1,666 | -$170 | -9.3% |
| South Dakota | $1,552 | -$284 | -15.5% |
| Tennessee | $1,608 | -$228 | -12.4% |
| Texas | $2,214 | $378 | 20.6% |
| Utah | $1,358 | -$478 | -26.0% |
| Vermont | $1,260 | -$576 | -31.4% |
| Virginia | $1,100 | -$736 | -40.1% |
| Washington | $1,420 | -$416 | -22.7% |
| West Virginia | $1,686 | -$150 | -8.2% |
| Wisconsin | $1,272 | -$564 | -30.7% |
| Wyoming | $1,636 | -$200 | -10.9% |
Since prices can be so different, the best way to find out your exact price is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate prices, so the prices may be quite different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Nissan Ariya | $384 | $630 | $584 | $1,836 |
| 2023 Nissan Ariya | $370 | $626 | $598 | $1,832 |
Rates are averaged for all Nissan Ariya 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 Ariya Insurance
Getting lower rates on Nissan Ariya insurance requires being a low-risk driver, having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Make time to compare rates every other policy renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The items below are a recap of the ideas that were touched on in this article.
- Teen drivers pay higher prices, costing up to $578 a month including comprehensive and collision insurance
- High-risk drivers that have major violations or accidents may pay on average $2,120 more every year to insure their Ariya
- Increasing physical damage deductibles could save up to $675 each year
- You may be able to save up to $220 per year simply by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,936 |
| 20 | $4,218 |
| 30 | $1,910 |
| 40 | $1,836 |
| 50 | $1,680 |
| 60 | $1,648 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,284 |
| $250 | $2,078 |
| $500 | $1,836 |
| $1,000 | $1,606 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,836 |
| 50/100 | $1,953 |
| 100/300 | $2,099 |
| 250/500 | $2,478 |
| 100 CSL | $2,011 |
| 300 CSL | $2,332 |
| 500 CSL | $2,566 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,856 |
| 20 | $6,702 |
| 30 | $4,028 |
| 40 | $3,956 |
| 50 | $3,772 |
| 60 | $3,736 |
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 | $96 |
| Multi-vehicle | $95 |
| Homeowner | $28 |
| 5-yr Accident Free | $128 |
| 5-yr Claim Free | $116 |
| Paid in Full/EFT | $79 |
| Advance Quote | $87 |
| Online Quote | $128 |
| Total Discounts | $757 |
Discounts are estimated and may not be available from every company or in every state.
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