Nissan Ariya Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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U.S. average auto insurance rates for a Nissan Ariya are $1,836 annually for full coverage. Comprehensive insurance costs around $384 a year, collision costs $630, and liability is estimated at $584. Liability-only coverage costs approximately $678 a year, with high-risk coverage costing $3,956 or more. 16-year-old drivers pay the highest rates at $6,936 a year or more.
Average premium for full coverage: $1,836
Price estimates for individual coverage:
These estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and Ariya trim levels.
Price Range from Low to High
For a 40-year-old driver, Nissan Ariya insurance prices go from as cheap as $678 for just the minimum liability insurance to a high of $3,956 for a driver who requires high-risk insurance.
Geographic Price Range
Living in a larger city can make a big difference on auto insurance rates. Areas with sparse population have fewer accident claims than congested cities.
The diagram below illustrates how your location can change auto insurance rates.
The ranges above show why it is important to get quotes for a specific zip code and their own personal driving habits, instead of making a decision based on 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.
Additional Rate Analysis
The chart below shows estimated Nissan Ariya insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $1,079
- Choosing higher $1,000 deductibles can save about $1,606 a year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,836
- Buying low $100 deductibles for comp and collision coverage costs an additional $448 annually
- Higher-risk drivers with multiple tickets or accidents could pay at least $3,956 or more
- The price with full coverage for a 16-year-old driver can be $6,936 each year
Auto insurance prices for a Nissan Ariya are also quite variable based on the trim level and model year, your driver profile, and deductibles and policy limits.
Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,700 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have 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 could be paying at least $2,100 to $3,000 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges from 43% to 127% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $680 annually, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $525 extra every year. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for Nissan Ariya insurance prices. A good driver about age 40 could pay as low as $1,210 a year in states like Idaho, Maine, and Iowa, or at least $2,620 on average in Michigan, Louisiana, 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 only way to know your exact price is to get quotes from multiple companies. Each auto insurer utilizes a different rate formula, and quoted 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 Cheap Nissan Ariya Insurance
Getting lower rates on insurance for a Nissan Ariya takes being a low-risk driver, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Invest the time to shop around at every other renewal by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The items below are a brief summary of the concepts that were illustrated above.
- Drivers considered higher risk that tend to have accidents or serious violations pay an average of $2,120 more every year to insure their Ariya
- Teen drivers are expensive to insure, with premiums as much as $578 a month if full coverage is included
- Drivers can save up to $220 per year simply by quoting early and online
- Increasing physical damage deductibles could save up to $675 each year
- Drivers can 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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