Nissan Leaf Insurance Rates
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UPDATED: Jun 5, 2023
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The average insurance rates for a Nissan Leaf are $1,256 a year including full coverage. Comprehensive insurance costs approximately $234 each year, collision insurance costs $400, and liability is $464. Liability-only insurance costs around $514 a year, and high-risk driver insurance costs $2,722 or more. Teens cost the most to insure at up to $4,858 a year.
Average premium for full coverage: $1,256
Policy rates by type of insurance:
Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Leaf models.
Price Range Variability
For the average driver, Nissan Leaf insurance rates range from as low as $514 for just liability insurance to a high rate of $2,722 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how location impacts auto insurance prices.
The examples above highlight why all drivers should compare rates quotes using their specific location and risk profile, instead of making a decision based on averaged prices.
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.
More Rate Details
The chart below breaks down average Nissan Leaf insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $734
- Raising to $1,000 deductibles will save $144 every year
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,256
- Selecting low deductibles will cost an extra $278 annually
- Drivers with serious driving violations could pay around $2,722
- Policy cost for full coverage for a 16-year-old driver can cost $4,858
Auto insurance rates for a Nissan Leaf also range considerably based on your risk profile, the model of your Leaf, and physical damage deductibles and liability limits.
More mature drivers with a good driving record and high deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay in the ballpark of $4,800 a year. View Rates by Age
Your home state also has a big influence on Nissan Leaf insurance prices. A middle-age driver might find rates as low as $960 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,790 on average in Louisiana, 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $430 annually, whereas increasing liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $417 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,500 to $2,100 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 133% more than the average policy. View High Risk Driver Rates
| 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 Affordable Nissan Leaf Insurance
Finding cheaper rates on insurance for a Nissan Leaf consists of having a decent driving record, having good credit, paying for small claims out-of-pocket, and possibly higher deductibles. Spend time shopping around at least once a year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The following items are a brief review of the primary concepts that were touched on above.
- You may be able to save around $150 per year just by quoting online in advance
- Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,470 more per year than a driver with a clean driving record
- Increasing comprehensive and collision deductibles can save around $425 each year
- 16 to 18-year-old drivers have the highest car insurance rates, with premiums being up to $405 each month if they have full coverage
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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