Nissan Ariya Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated insurance rates for a Nissan Ariya are $1,836 a year for full coverage. Comprehensive insurance costs an estimated $384, collision costs $630, and liability costs around $584. Liability-only insurance costs as low as $678 a year, with high-risk driver insurance costing $3,956 or more. Teens pay the most at $6,936 a year or more.
Average premium for full coverage: $1,836
Premium estimates broken down by type of coverage:
Estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and for different Ariya trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Nissan Ariya go from as low as $678 for your basic liability-only policy to a much higher rate of $3,956 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Where you live can make a big difference on insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion.
The price range example below illustrates how rural and urban location affects insurance prices.
These rate differences show why anyone shopping for car insurance should compare prices for a targeted area 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 Information
The chart below shows estimated Nissan Ariya insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $1,079
- Using higher $1,000 deductibles will save approximately $230 a year
- The average rate for a 40-year-old good driver who has $500 deductibles is $1,836
- Selecting more expensive low deductibles for physical damage coverage will cost an extra $448 annually
- High-risk insureds with serious driving violations could pay up to $3,956 or more
- An auto insurance policy for full coverage for a 16-year-old driver with full coverage can cost as much as $6,936 or more
Insurance prices for a Nissan Ariya also have a wide range based on your driving characteristics, the trim level of your Ariya, and liability limits and deductibles.
An older driver with no violations or accidents and high deductibles may pay as low as $1,700 a year, or $142 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay at least $6,900 a year. View Rates by Age
Where you choose to live has a huge impact on Nissan Ariya insurance prices. A driver around age 40 might see prices as low as $1,210 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,620 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,662 | -$174 | -9.5% |
| Alaska | $1,410 | -$426 | -23.2% |
| Arizona | $1,526 | -$310 | -16.9% |
| Arkansas | $1,836 | -$0 | 0.0% |
| California | $2,096 | $260 | 14.2% |
| Colorado | $1,756 | -$80 | -4.4% |
| Connecticut | $1,888 | $52 | 2.8% |
| Delaware | $2,082 | $246 | 13.4% |
| Florida | $2,298 | $462 | 25.2% |
| Georgia | $1,698 | -$138 | -7.5% |
| Hawaii | $1,318 | -$518 | -28.2% |
| Idaho | $1,246 | -$590 | -32.1% |
| Illinois | $1,370 | -$466 | -25.4% |
| Indiana | $1,386 | -$450 | -24.5% |
| Iowa | $1,242 | -$594 | -32.4% |
| Kansas | $1,748 | -$88 | -4.8% |
| Kentucky | $2,508 | $672 | 36.6% |
| Louisiana | $2,724 | $888 | 48.4% |
| Maine | $1,136 | -$700 | -38.1% |
| Maryland | $1,516 | -$320 | -17.4% |
| Massachusetts | $1,470 | -$366 | -19.9% |
| Michigan | $3,192 | $1,356 | 73.9% |
| Minnesota | $1,540 | -$296 | -16.1% |
| Mississippi | $2,202 | $366 | 19.9% |
| Missouri | $1,634 | -$202 | -11.0% |
| Montana | $1,976 | $140 | 7.6% |
| Nebraska | $1,450 | -$386 | -21.0% |
| Nevada | $2,204 | $368 | 20.0% |
| New Hampshire | $1,324 | -$512 | -27.9% |
| New Jersey | $2,054 | $218 | 11.9% |
| New Mexico | $1,628 | -$208 | -11.3% |
| New York | $1,938 | $102 | 5.6% |
| North Carolina | $1,060 | -$776 | -42.3% |
| North Dakota | $1,504 | -$332 | -18.1% |
| Ohio | $1,270 | -$566 | -30.8% |
| Oklahoma | $1,888 | $52 | 2.8% |
| Oregon | $1,684 | -$152 | -8.3% |
| Pennsylvania | $1,756 | -$80 | -4.4% |
| Rhode Island | $2,454 | $618 | 33.7% |
| South Carolina | $1,666 | -$170 | -9.3% |
| South Dakota | $1,552 | -$284 | -15.5% |
| Tennessee | $1,608 | -$228 | -12.4% |
| Texas | $2,214 | $378 | 20.6% |
| Utah | $1,358 | -$478 | -26.0% |
| Vermont | $1,260 | -$576 | -31.4% |
| Virginia | $1,100 | -$736 | -40.1% |
| Washington | $1,420 | -$416 | -22.7% |
| West Virginia | $1,686 | -$150 | -8.2% |
| Wisconsin | $1,272 | -$564 | -30.7% |
| Wyoming | $1,636 | -$200 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $680 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost up to $525 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying $2,100 to $3,000 additional annually, depending on your age. High-risk driver insurance can be from 43% to 127% more than the average policy. View High Risk Driver Rates
With such a large range in prices, the only way to know which insurance company is cheapest is to compare prices from multiple companies. Each insurance company calculates prices differently, and prices will be substantially different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Nissan Ariya | $384 | $630 | $584 | $1,836 |
| 2023 Nissan Ariya | $370 | $626 | $598 | $1,832 |
Rates are averaged for all Nissan Ariya 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 Low Cost Nissan Ariya Insurance
Finding better rates on insurance for a Nissan Ariya requires being a low-risk driver, having a good credit history, not filing small claims, and maximizing policy discounts. Set aside time to shop around at every other renewal by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The items below are a review of the concepts that were raised in the charts and tables above.
- Drivers considered higher risk who have several accidents or serious violations pay an average of $2,120 more annually to insure their Ariya
- Teen drivers are expensive to insure, as much as $578 per month including comprehensive and collision insurance
- Drivers can save approximately $220 per year simply by shopping early and online
- Increasing policy deductibles can save around $675 each year
- Drivers can save approximately $220 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,936 |
| 20 | $4,218 |
| 30 | $1,910 |
| 40 | $1,836 |
| 50 | $1,680 |
| 60 | $1,648 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,284 |
| $250 | $2,078 |
| $500 | $1,836 |
| $1,000 | $1,606 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,836 |
| 50/100 | $1,953 |
| 100/300 | $2,099 |
| 250/500 | $2,478 |
| 100 CSL | $2,011 |
| 300 CSL | $2,332 |
| 500 CSL | $2,566 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,856 |
| 20 | $6,702 |
| 30 | $4,028 |
| 40 | $3,956 |
| 50 | $3,772 |
| 60 | $3,736 |
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 | $96 |
| Multi-vehicle | $95 |
| Homeowner | $28 |
| 5-yr Accident Free | $128 |
| 5-yr Claim Free | $116 |
| Paid in Full/EFT | $79 |
| Advance Quote | $87 |
| Online Quote | $128 |
| Total Discounts | $757 |
Discounts are estimated and may not be available from every company or in every state.
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