Nissan Ariya Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated insurance prices for a Nissan Ariya are $1,836 every 12 months with full coverage. Comprehensive costs around $384 a year, collision costs $630, and liability is estimated at $584. Liability-only insurance costs approximately $678 a year, with high-risk driver insurance costing around $3,956. 16-year-old drivers pay the most at $6,936 a year or more.
Average premium for full coverage: $1,836
Premium estimates for type of coverage:
Includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and Ariya trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Nissan Ariya go from the cheapest price of $678 for basic liability insurance to a high of $3,956 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Living in a larger city can make a big difference on insurance rates. Areas with sparse population are statistically proven to have more infrequent collision claims than congested cities.
The diagram below illustrates how where you live affects auto insurance rates.
These rate differences demonstrate why it is important to get quotes for a specific zip code and their own driving history, instead of making a decision based on rate 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.
Rate Comparisons
The chart below details estimated Nissan Ariya insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $1,079
- Choosing higher $1,000 deductibles can save about $1,606 annually
- The average price for a 40-year-old good driver using $500 deductibles is $1,836
- Buying low $100 deductibles for comp and collision coverage increases the price to $2,284
- Higher-risk drivers with multiple tickets or accidents could pay at least $3,956 or more
- An auto insurance policy to insure a 16-year-old driver can be $6,936 each year
Insurance prices for a Nissan Ariya also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level and model year.
Opting for high physical damage deductibles can save as much as $680 annually, while buying higher liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $525 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles may pay as low as $1,700 annually on average, or $142 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay as much as $6,900 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out at least $2,100 to $3,000 additional annually, depending on your age. A high-risk auto insurance policy ranges from 43% to 127% more than the average rate. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Nissan Ariya insurance prices. A good driver about age 40 could pay as low as $1,320 a year in states like New Hampshire, Ohio, and Utah, or at least $2,480 on average in Florida, Michigan, and New York.
| 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% |
With such a large range in prices, the best way to find out your exact price is to get quotes from multiple companies. Each auto insurer utilizes a different rate formula, and prices will be substantially different.
| 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 Shop for the Cheapest Nissan Ariya Insurance
Finding better rates on insurance for a Nissan Ariya takes having a decent driving record, having above-average credit, being claim-free, and taking advantage of discounts. Take the time to comparison shop at every policy renewal by quoting rates from direct companies, and also from several local insurance agents.
The following items are a recap of the data touched on in the above illustrations.
- Insureds who may need additional liability coverage will pay around $640 every year to raise limits from 30/60 bodily injury limits to a 250/500 level
- You may be able to save up to $220 per year simply by quoting early and online
- Increasing policy deductibles could save as much as $675 each year
- 16 to 18-year-old drivers are charged the highest prices, possibly costing $578 per month if full coverage is included
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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