Nissan Leaf Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 19, 2022

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Average insurance rates for a Nissan Leaf are $1,484 a year for full coverage. Comprehensive costs on average $292 a year, collision costs $592, and liability insurance costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing around $3,238. Teen drivers receive the highest rates at $5,594 a year or more.

Average premium for full coverage: $1,484

Rate estimates by individual coverage type:

Comprehensive $292
Collision $592
Liability $442

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Leaf trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $496 for only liability insurance to a high of $3,238 for a high risk driver.

Liability Only $496
Full Coverage $1,484
High Risk $3,238

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $1,113
Small Cities $1,558
Large Cities $2,003

These examples show why it is important to compare rates based on a specific location and risk profile, 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.

Insurance Rate Analysis

The chart below shows estimated Nissan Leaf insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $843
  • Drivers who choose higher $1,000 deductibles will pay around $1,284 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,484
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,876
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,238 or more
  • The cost for full coverage for a teen driver may cost $5,594 a year

View Chart as Image

Nissan Leaf insurance cost comparison chart
Column chart showing full coverage Nissan Leaf insurance rates range from $843 to $5,594

for a Nissan Leaf can also vary considerably based on your driver profile, the trim level of your Leaf, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,400 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $5,500 a year. View Rates by Age

Where you live makes a big difference in Nissan Leaf insurance rates. A 40-year-old driver could pay as low as $980 a year in states like Idaho, Maine, and Iowa, or as much as $2,120 on average in Michigan, Louisiana, and New York.

Nissan Leaf Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,342 -$142 -9.6%
Alaska $1,140 -$344 -23.2%
Arizona $1,232 -$252 -17.0%
Arkansas $1,484 -$0 0.0%
California $1,692 $208 14.0%
Colorado $1,418 -$66 -4.4%
Connecticut $1,526 $42 2.8%
Delaware $1,680 $196 13.2%
Florida $1,858 $374 25.2%
Georgia $1,370 -$114 -7.7%
Hawaii $1,066 -$418 -28.2%
Idaho $1,004 -$480 -32.3%
Illinois $1,106 -$378 -25.5%
Indiana $1,118 -$366 -24.7%
Iowa $1,002 -$482 -32.5%
Kansas $1,412 -$72 -4.9%
Kentucky $2,024 $540 36.4%
Louisiana $2,198 $714 48.1%
Maine $914 -$570 -38.4%
Maryland $1,226 -$258 -17.4%
Massachusetts $1,188 -$296 -19.9%
Michigan $2,580 $1,096 73.9%
Minnesota $1,242 -$242 -16.3%
Mississippi $1,778 $294 19.8%
Missouri $1,318 -$166 -11.2%
Montana $1,596 $112 7.5%
Nebraska $1,170 -$314 -21.2%
Nevada $1,780 $296 19.9%
New Hampshire $1,068 -$416 -28.0%
New Jersey $1,658 $174 11.7%
New Mexico $1,314 -$170 -11.5%
New York $1,564 $80 5.4%
North Carolina $854 -$630 -42.5%
North Dakota $1,216 -$268 -18.1%
Ohio $1,026 -$458 -30.9%
Oklahoma $1,524 $40 2.7%
Oregon $1,360 -$124 -8.4%
Pennsylvania $1,416 -$68 -4.6%
Rhode Island $1,980 $496 33.4%
South Carolina $1,344 -$140 -9.4%
South Dakota $1,254 -$230 -15.5%
Tennessee $1,302 -$182 -12.3%
Texas $1,788 $304 20.5%
Utah $1,100 -$384 -25.9%
Vermont $1,016 -$468 -31.5%
Virginia $890 -$594 -40.0%
Washington $1,148 -$336 -22.6%
West Virginia $1,360 -$124 -8.4%
Wisconsin $1,028 -$456 -30.7%
Wyoming $1,322 -$162 -10.9%

View Chart as Image

Nissan Leaf insurance rates by U.S. city

Choosing high deductibles could save up to $600 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $398 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,800 to $2,400 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 135% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

Nissan Leaf Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 Nissan Leaf $292 $592 $442 $1,484
2013 Nissan Leaf $242 $426 $460 $1,286
2012 Nissan Leaf $234 $400 $464 $1,256
2011 Nissan Leaf $228 $374 $474 $1,234

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 Cheaper Nissan Leaf Insurance

Saving money on Nissan Leaf insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $600 each year
  • Drivers can save as much as $180 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $490 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $466 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,750 more each year for insurance

Rates by Driver Age

Nissan Leaf Insurance Rates by Driver Age
Driver Age Premium
16 $5,594
20 $3,458
30 $1,550
40 $1,484
50 $1,356
60 $1,332

Full coverage, $500 deductibles

Rates by Deductible

Nissan Leaf Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,876
$250 $1,694
$500 $1,484
$1,000 $1,284

Full coverage, driver age 40

Rates by Liability Limit

Nissan Leaf Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,484
50/100 $1,572
100/300 $1,683
250/500 $1,970
100 CSL $1,617
300 CSL $1,860
500 CSL $2,037

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan Leaf Insurance Rates for High Risk Drivers
Age Premium
16 $7,992
20 $5,516
30 $3,308
40 $3,238
50 $3,092
60 $3,066

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 $213

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $80
Multi-vehicle $80
Homeowner $22
5-yr Accident Free $112
5-yr Claim Free $97
Paid in Full/EFT $69
Advance Quote $75
Online Quote $106
Total Discounts $641
Rate after discounts $843

Discounts are estimated and may not be available from every company or in every state.

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