Nissan Leaf Insurance Rates
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Michelle Robbins
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UPDATED: Jun 5, 2023
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The average auto insurance rates for a Nissan Leaf are $1,256 annually for full coverage insurance. Comprehensive costs an estimated $234, collision costs $400, and liability costs around $464. Buying just liability costs as low as $514 a year, with insurance for high-risk drivers costing around $2,722. Teen drivers cost the most to insure at $4,858 a year or more.
Average premium for full coverage: $1,256
Policy rates broken down by type of insurance:
Prices are based on $500 deductible amounts, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different Leaf trim levels.
Price Range Variability
Using a middle-aged driver as an example, Nissan Leaf insurance rates go from as cheap as $514 for minimum levels of liability insurance to a much higher rate of $2,722 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Where you live can make a big difference on the price of insurance. More rural locations are shown to have fewer physical damage claims than larger metro areas.
The price range example below illustrates how where you live affects insurance prices.
The examples above illustrate why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, 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 Details
The chart below illustrates estimated Nissan Leaf insurance rates for other coverage scenarios.
- The lowest rate with discounts is $734
- Using higher $1,000 deductibles will save approximately $144 each year
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,256
- Choosing more expensive low deductibles for physical damage coverage will cost $1,534
- High-risk insureds with multiple violations and an at-fault accident could pay up to $2,722 or more
- Policy cost with full coverage for a 16-year-old driver with full coverage can cost as much as $4,858 or more
Insurance rates for a Nissan Leaf also range considerably based on the model year and trim level, your risk profile, and liability limits and deductibles.
An older driver with a clean driving record and high physical damage deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay at least $4,800 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance can be from 43% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $430 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $417 more per year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Nissan Leaf insurance prices. A driver around age 40 might see rates as low as $820 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,700 on average in Florida, New York, and Michigan.
| 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% |
Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates from multiple companies. Each insurance company uses a different rate calculation, so the rates will be varied between companies.
| 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 Buy Affordable Nissan Leaf Insurance
Finding cheaper rates on insurance for a Nissan Leaf requires having a good driving record, having a good credit history, being claim-free, and taking advantage of discounts. Take the time to comparison shop at every policy renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The next list is a brief review of the data touched on in the above illustrations.
- Insureds who want increased levels of liability coverage will pay about $510 annually to increase from a 30/60 limit to higher 250/500 limits
- It is possible to save approximately $150 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $425 each year
- Drivers age 20 and younger are charged the highest rates, possibly costing $405 each month including comprehensive and collision insurance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,534 |
| $250 | $1,406 |
| $500 | $1,256 |
| $1,000 | $1,112 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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