Nissan Leaf Insurance Rates
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UPDATED: Apr 19, 2022
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U.S. average insurance rates for a Nissan Leaf are $1,440 a year with full coverage. Comprehensive costs an estimated $282, collision costs $548, and liability costs $452. A policy with just liability insurance costs as little as $504 a year, with coverage for high-risk drivers costing around $3,136. Teen drivers pay the highest rates at $5,452 a year or more.
Average premium for full coverage: $1,440
Price estimates broken down by individual coverage:
Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. 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 $504 for just the minimum liability insurance to the much higher price of $3,136 for a high-risk driver policy.
Geographic Price Range
Your location can make a big difference on car insurance rates. More rural locations have lower incidents of collision claims than larger metro areas.
The example below illustrates how where you live affects insurance prices.
The ranges above demonstrate why everyone should compare rates for a targeted area, 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.
Additional Rate Analysis
The chart below details estimated Nissan Leaf insurance rates for other coverage scenarios.
- The lowest rate with discounts is $822
- Drivers who choose higher $1,000 deductibles will pay approximately $188 annually
- The estimated price for the average middle-age driver who has $500 deductibles is $1,440
- Choosing pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,808
- Drivers with multiple violations and an at-fault accident could pay up to $3,136 or more
- The price that insures a 16-year-old driver for full coverage can cost as much as $5,452 a year
Insurance prices for a Nissan Leaf are also quite variable based on the model of your Leaf, your age and driving habits, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you may be forking out $1,700 to $2,400 extra each year, depending on your age. Nissan Leaf insurance for high-risk drivers can cost from 44% to 132% more than average. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay at least $5,400 a year. View Rates by Age
The state you live in makes a big difference in Nissan Leaf insurance prices. A 40-year-old driver could pay as low as $1,040 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,940 on average in New York, Michigan, and Florida.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing high deductibles could save up to $560 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 more per year. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to find out which car insurance is cheapest is to regularly compare prices from multiple companies. Every company uses a different rate calculation, so the prices may be quite different.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2017 Nissan Leaf||$282||$548||$452||$1,440|
|2013 Nissan Leaf||$234||$400||$464||$1,256|
|2012 Nissan Leaf||$228||$374||$474||$1,234|
|2011 Nissan Leaf||$210||$346||$474||$1,188|
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
Getting lower rates on insurance for a Nissan Leaf not only requires being a good driver, but also having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Shop around every time your policy renews by obtaining price quotes from direct companies, and also from insurance agencies where you live.
The following list is a condensed summary of the information touched on in the above illustrations.
- You may be able to save approximately $180 per year simply by quoting online well ahead of the renewal date
- Drivers age 16 to 20 are charged the highest prices, costing up to $454 a month if full coverage is included
- Increasing physical damage deductibles can save approximately $550 each year
- Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,700 more annually than a safer driver
- Insureds who want an increased level of liability coverage will pay about $500 every year to go from a low limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$107|
|5-yr Claim Free||$94|
|Paid in Full/EFT||$66|
Discounts are estimated and may not be available from every company or in every state.