Nissan Leaf Insurance Rates

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UPDATED: May 14, 2024

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Average insurance rates for a Nissan Leaf are $1,256 a year including full coverage. Comprehensive insurance costs on average $234 each year, collision insurance costs $400, and liability costs around $464. A policy with just liability insurance costs as low as $514 a year, and coverage for high-risk drivers costs $2,722 or more. Teen drivers receive the highest rates at up to $4,858 a year.

Average premium for full coverage: $1,256

Rate estimates by individual coverage type:

Comprehensive $234
Collision $400
Liability $464

Estimates include $500 deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and Leaf models.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range range from the low end price of $514 for your basic liability-only policy to a high rate of $2,722 for a high-risk driver policy.

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

Price Range by Location

Where you live can make a big difference on car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than larger metro areas. The graphic below illustrates how where you live affects car insurance rates.

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

These examples highlight why all drivers should compare prices based on a specific location, instead of making a decision based 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.

More Rate Information

The chart below breaks down average Nissan Leaf insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $734
  • Using higher $1,000 deductibles will save around $144 every year
  • The estimated price for a 40-year-old driver with $500 deductibles is $1,256
  • Choosing low deductibles for physical damage coverage will cost an additional $278 annually
  • High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,722
  • The cost that insures a 16-year-old driver may cost $4,858 or more

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

Insurance rates for a Nissan Leaf can also vary considerably based on the trim level and model year, your driving record and age, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you are likely paying at a minimum $1,500 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers can be from 43% to 133% more than average. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,800 a year. View Rates by Age

Where you live has a huge impact on Nissan Leaf insurance prices. A driver around age 40 might see rates as low as $960 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,790 on average in Michigan, New York, and Louisiana.

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 cut rates by as much as $430 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $417 more each year. View Rates by Deductible or Liability Limit

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
2016 Nissan Leaf $242 $426 $460 $1,286
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 Low Cost Nissan Leaf Insurance

Saving money on insurance for a Nissan Leaf requires not taking risks behind the wheel, having a good credit score, not filing small claims, and dropping full coverage on older vehicles. Shop around every time your policy renews by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following is a review of the information touched on in the above illustrations.

  • You may be able to save as much as $150 per year just by quoting online in advance
  • Teens pay higher rates, as much as $405 per month if comprehensive and collision insurance is included
  • Increasing deductibles can save approximately $425 each year
  • Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,470 more each year for Leaf insurance
  • Insureds who require higher liability limits will pay about $510 per year to increase from a minimum limit to the 250/500 level

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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