Nissan Leaf Insurance Rates

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UPDATED: May 14, 2024

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U.S. average insurance rates for a Nissan Leaf are $1,256 a year for full coverage. Comprehensive costs around $234, collision costs $400, and liability coverage is estimated at $464. Liability-only insurance costs approximately $514 a year, with high-risk driver insurance costing around $2,722. Teenage drivers pay the highest rates at $4,858 a year or more.

Average premium for full coverage: $1,256

Price estimates for individual coverage:

Comprehensive $234
Collision $400
Liability $464

Prices include $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for all Leaf models.

Price Range from Low to High

Using a middle-aged driver as an example, Nissan Leaf insurance prices go from the low end price of $514 for the bare minimum liability coverage to the much higher price of $2,722 for a driver required to buy high-risk insurance.

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

Geographic Price Range

Living in a larger city has a large influence on auto insurance rates. Areas with sparse population have lower incidents of accident claims than densely populated cities.

The example below illustrates how where you live affects auto insurance rates.

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

The ranges above show why everyone should get quotes for a specific zip code, rather than using average rates.

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 Information

The chart below shows estimated Nissan Leaf insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $734
  • Choosing higher $1,000 deductibles can save about $144 a year
  • The estimated price for the average middle-age driver using $500 deductibles is $1,256
  • Using pricier low deductibles for comp and collision coverage bumps up the cost to $1,534
  • Drivers who are prone to accidents and violations could pay at least $2,722 or more
  • The price that insures a teenage driver for full coverage can be $4,858 each year

View Chart as Image

Nissan Leaf insurance cost comparison chart
Column chart showing full coverage Nissan Leaf insurance rates range from $734 to $4,858

Car insurance prices for a Nissan Leaf are also quite variable based on the model of your Leaf, how you drive, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you could be paying at least $1,500 to $2,100 extra each year, depending on your age. Nissan Leaf insurance for high-risk drivers ranges around 43% to 133% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged as much as $4,800 a year. View Rates by Age

The state you live in plays a big part in determining prices for Nissan Leaf insurance rates. A good driver about age 40 could pay as low as $830 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,790 on average in Michigan, Louisiana, and New York.

Nissan Leaf Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,136 -$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

Using high physical damage deductibles can save as much as $430 a year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know your exact price is to regularly compare prices and see how they stack up. Each auto insurer uses a different method to calculate prices, so rate quotes may be quite different.

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 the Right Nissan Leaf Insurance

Getting lower rates on auto insurance takes being safe and accident-free, having a positive credit history, eliminating unnecessary coverage, and qualifying for all possible discounts. Compare prices at every policy renewal by getting rate quotes from direct carriers, and also from several local insurance agents.

Below you'll find a quick rundown of the data touched on in the above illustrations.

  • Consumers who may need more liability protection will pay an extra $510 each year to raise limits from a low limit to the 250/500 level
  • Drivers can save up to $150 per year simply by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles can save approximately $425 each year
  • Youthful drivers are the costliest to insure, with premiums as much as $405 a month if full coverage is purchased

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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