Nissan Ariya Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance rates for a Nissan Ariya are $1,836 a year for full coverage insurance. Comprehensive costs around $384 each year, collision costs $630, and liability coverage costs around $584. Liability-only coverage costs as low as $678 a year, with high-risk coverage costing around $3,956. 16-year-old drivers cost the most to insure at $6,936 a year or more.
Average premium for full coverage: $1,836
Policy rates for type of insurance:
These estimates include $500 deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and Ariya models.
Price Range Variability
Using a middle-aged driver as an example, Nissan Ariya insurance rates go from as low as $678 for basic liability insurance to a high rate of $3,956 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Where you live has a large influence on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than congested cities.
The graphic below illustrates how where you live affects auto insurance rates.
The examples above illustrate why all drivers should compare prices for a specific zip code and risk profile, rather than using rate 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.
Rate Comparisons
The chart below illustrates estimated Nissan Ariya insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $1,079
- Using higher $1,000 deductibles will save about $230 each year
- The average rate for a good driver age 40 using $500 deductibles is $1,836
- Buying low deductibles for physical damage coverage will increase the cost to $2,284
- Higher-risk drivers with multiple tickets or accidents could pay at least $3,956 or more
- Policy cost for full coverage for a teenage driver can be $6,936 or more
Insurance rates for a Nissan Ariya also range considerably based on your risk profile, the model year and trim level, and deductibles and policy limits.
More mature drivers with no violations or accidents and high deductibles may only pay around $1,700 a year, or $142 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay as much as $6,900 a year. View Rates by Age
Your home state has a huge impact on Nissan Ariya insurance rates. A driver around age 40 might see rates as low as $1,200 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,480 on average in Michigan, New York, and Florida.
| 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% |
Opting for high physical damage deductibles could cut rates by as much as $680 a year, whereas increasing liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $525 more each 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 at least $2,100 to $3,000 additional every year, depending on your age. Insurance for high-risk drivers can be around 43% to 127% more than the average rate. View High Risk Driver Rates
Because rates have so much variability, the only way to figure out your exact price is to do a rate comparison and see how they stack up. Each insurance company utilizes a different rate formula, and rates will be varied from one company to the next.
| 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 Find Cheap Nissan Ariya Insurance
Finding cheaper rates on auto insurance requires not taking risks behind the wheel, having a good credit history, being claim-free, and taking advantage of discounts. Take the time to comparison shop at every policy renewal by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following is a brief summary of the data touched on in the above illustrations.
- Consumers who may need higher liability limits will pay around $640 annually to increase from a 30/60 limit to 250/500 limits
- It is possible to save up to $220 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles can save around $675 each year
- Teens are charged the highest rates, possibly costing $578 each month including comprehensive and collision insurance
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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