Nissan Leaf Insurance Rates
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Michelle Robbins
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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...
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UPDATED: May 14, 2024
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The average insurance rates for a Nissan Leaf are $1,234 a year with full coverage. Comprehensive costs an estimated $228 each year, collision insurance costs $374, and liability insurance is $474. A liability-only policy costs around $522 a year, and high-risk insurance costs around $2,668. Teen drivers cost the most to insure at up to $4,788 a year.
Average premium for full coverage: $1,234
Policy rates broken down by type of insurance:
Rate estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Leaf models.
Price Range Variability
Using a middle-aged driver as an example, Nissan Leaf insurance rates range from the low end price of $522 for just the minimum liability insurance to a high rate of $2,668 for high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on car insurance rates. More rural locations are shown to have lower incidents of collision claims than larger metro areas. The graphic below illustrates how where you live affects insurance prices.
The examples above demonstrate why all drivers should compare rates quotes for a targeted area, rather than relying on 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.
Additional Rate Analysis
The chart below details average Nissan Leaf insurance rates for other coverage scenarios.
- The lowest rate with discounts is $725
- Raising to $1,000 deductibles will save approximately $138 annually
- The estimated price for a good driver age 40 who has $500 deductibles is $1,234
- Choosing low deductibles bumps up the cost to $1,496
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,668
- Policy cost that insures a teen driver can cost as much as $4,788
Car insurance rates for a Nissan Leaf also range considerably based on the trim level and model year, your age and driving habits, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you may be forking out $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 136% more than average. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged at least $4,700 a year. View Rates by Age
Your home state also has a big influence on Nissan Leaf insurance rates. A middle-age driver might find rates as low as $890 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,670 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,116 | -$118 | -9.6% |
| Alaska | $944 | -$290 | -23.5% |
| Arizona | $1,022 | -$212 | -17.2% |
| Arkansas | $1,234 | -$0 | 0.0% |
| California | $1,406 | $172 | 13.9% |
| Colorado | $1,178 | -$56 | -4.5% |
| Connecticut | $1,268 | $34 | 2.8% |
| Delaware | $1,396 | $162 | 13.1% |
| Florida | $1,542 | $308 | 25.0% |
| Georgia | $1,136 | -$98 | -7.9% |
| Hawaii | $886 | -$348 | -28.2% |
| Idaho | $832 | -$402 | -32.6% |
| Illinois | $918 | -$316 | -25.6% |
| Indiana | $928 | -$306 | -24.8% |
| Iowa | $832 | -$402 | -32.6% |
| Kansas | $1,172 | -$62 | -5.0% |
| Kentucky | $1,680 | $446 | 36.1% |
| Louisiana | $1,824 | $590 | 47.8% |
| Maine | $760 | -$474 | -38.4% |
| Maryland | $1,016 | -$218 | -17.7% |
| Massachusetts | $986 | -$248 | -20.1% |
| Michigan | $2,142 | $908 | 73.6% |
| Minnesota | $1,030 | -$204 | -16.5% |
| Mississippi | $1,474 | $240 | 19.4% |
| Missouri | $1,094 | -$140 | -11.3% |
| Montana | $1,322 | $88 | 7.1% |
| Nebraska | $972 | -$262 | -21.2% |
| Nevada | $1,480 | $246 | 19.9% |
| New Hampshire | $886 | -$348 | -28.2% |
| New Jersey | $1,376 | $142 | 11.5% |
| New Mexico | $1,092 | -$142 | -11.5% |
| New York | $1,298 | $64 | 5.2% |
| North Carolina | $710 | -$524 | -42.5% |
| North Dakota | $1,010 | -$224 | -18.2% |
| Ohio | $852 | -$382 | -31.0% |
| Oklahoma | $1,266 | $32 | 2.6% |
| Oregon | $1,128 | -$106 | -8.6% |
| Pennsylvania | $1,178 | -$56 | -4.5% |
| Rhode Island | $1,644 | $410 | 33.2% |
| South Carolina | $1,116 | -$118 | -9.6% |
| South Dakota | $1,040 | -$194 | -15.7% |
| Tennessee | $1,080 | -$154 | -12.5% |
| Texas | $1,486 | $252 | 20.4% |
| Utah | $912 | -$322 | -26.1% |
| Vermont | $844 | -$390 | -31.6% |
| Virginia | $738 | -$496 | -40.2% |
| Washington | $954 | -$280 | -22.7% |
| West Virginia | $1,128 | -$106 | -8.6% |
| Wisconsin | $854 | -$380 | -30.8% |
| Wyoming | $1,098 | -$136 | -11.0% |
Choosing high deductibles can reduce rates by up to $400 each year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Nissan Leaf | $332 | $656 | $398 | $1,544 |
| 2023 Nissan Leaf | $320 | $640 | $416 | $1,534 |
| 2022 Nissan Leaf | $310 | $612 | $430 | $1,510 |
| 2021 Nissan Leaf | $292 | $592 | $442 | $1,484 |
| 2020 Nissan Leaf | $282 | $548 | $452 | $1,440 |
| 2019 Nissan Leaf | $270 | $516 | $456 | $1,400 |
| 2018 Nissan Leaf | $258 | $464 | $460 | $1,340 |
| 2017 Nissan Leaf | $242 | $426 | $460 | $1,286 |
| 2016 Nissan Leaf | $234 | $400 | $464 | $1,256 |
| 2015 Nissan Leaf | $228 | $374 | $474 | $1,234 |
| 2014 Nissan Leaf | $210 | $346 | $474 | $1,188 |
| 2013 Nissan Leaf | $206 | $314 | $478 | $1,156 |
| 2012 Nissan Leaf | $192 | $288 | $474 | $1,112 |
| 2011 Nissan Leaf | $180 | $262 | $474 | $1,074 |
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 the Best Nissan Leaf Insurance
Finding cheaper rates on Nissan Leaf insurance consists of being a low-risk driver, having a positive credit history, not filing small claims, and possibly higher deductibles. Shop around every couple of years by requesting quotes from direct companies, and also from insurance agencies where you live.
The items below are a brief recap of the material that was touched on in the above illustrations.
- Drivers who want more liability coverage will pay about $520 every year to raise from a 30/60 limit to the 250/500 level
- Teen drivers have the highest car insurance rates, as much as $399 each month if full coverage is purchased
- High-risk drivers who tend to receive serious violations could be forced to pay on average $1,430 more annually to insure their Leaf
- Increasing comprehensive and collision deductibles can save approximately $400 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,788 |
| 20 | $2,836 |
| 30 | $1,270 |
| 40 | $1,234 |
| 50 | $1,128 |
| 60 | $1,106 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,496 |
| $250 | $1,374 |
| $500 | $1,234 |
| $1,000 | $1,096 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,234 |
| 50/100 | $1,329 |
| 100/300 | $1,447 |
| 250/500 | $1,755 |
| 100 CSL | $1,376 |
| 300 CSL | $1,637 |
| 500 CSL | $1,827 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,794 |
| 20 | $4,524 |
| 30 | $2,706 |
| 40 | $2,668 |
| 50 | $2,548 |
| 60 | $2,524 |
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 | $65 |
| Multi-vehicle | $66 |
| Homeowner | $20 |
| 5-yr Accident Free | $84 |
| 5-yr Claim Free | $79 |
| Paid in Full/EFT | $51 |
| Advance Quote | $58 |
| Online Quote | $86 |
| Total Discounts | $509 |
Discounts are estimated and may not be available from every company or in every state.
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