Nissan Leaf Insurance Rates

The average insurance rates for a Nissan Leaf are $1,234 a year for full coverage. Comprehensive insurance costs on average $228 each year, collision insurance costs $374, and liability insurance costs around $474. Liability-only coverage costs as low as $522 a year, and high-risk coverage costs $2,668 or more. Teens cost the most to insure at up to $4,788 a year.

Average premium for full coverage: $1,234

Policy rates by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and Leaf models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than cities with more traffic congestion. The graphic below illustrates the difference location can make on car insurance rates.

The examples above show why all drivers should compare prices based on a specific location and risk profile, rather than relying on averaged prices.

Use the form below to get customized rates for your location.

Additional Rate Information

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

• The cheapest rate after discounts is $725
• Using higher $1,000 deductibles will save around $138 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,234
• Selecting low deductibles for physical damage coverage will cost an extra $262 a year
• Drivers with serious driving violations could pay upwards of $2,668
• Policy cost for full coverage for a teen driver may cost $4,788 or more

View Chart as Image

Insurance rates for a Nissan Leaf also range considerably based on your risk profile, the trim level of your Leaf, and policy deductibles and limits.

More mature drivers with no violations or accidents and high deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay upwards of $4,700 a year. View Rates by Age

Your home state has a huge impact on Nissan Leaf insurance rates. A driver around age 40 might see rates as low as $810 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,760 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $400 each year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 136% more than the average policy. View High Risk Driver Rates

How to Find More Affordable Nissan Leaf Insurance

Finding cheaper rates on Nissan Leaf insurance requires having a decent driving record, having a good credit history, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Make time to compare rates at least every other year by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The following items are a summary of the car insurance concepts touched on in this article.

• High-risk drivers who have multiple accidents or major violations will pay on average $1,430 more each year than a driver with a clean driving record
• Drivers can save as much as $140 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $400 each year
• Drivers who require additional liability coverage will pay approximately $520 each year to increase from a 30/60 limit to 250/500 limits