Nissan Leaf Insurance Rates

The average insurance rates for a Nissan Leaf are $1,286 a year with full coverage. Comprehensive insurance costs around $242 each year, collision insurance costs $426, and liability insurance is $460. Liability-only coverage costs around $510 a year, and high-risk coverage costs $2,790 or more. Teenage drivers cost the most to insure at up to $4,956 a year.

Average premium for full coverage: $1,286

Policy rates for type of insurance:

Prices are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and Leaf models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than densely populated cities. The graphic below illustrates how location helps determine auto insurance rates.

The examples above demonstrate why all drivers should compare rates quotes for a specific zip code and risk profile, rather than relying on average rates.

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

Rates by State, City, and Model

The chart below details average Nissan Leaf insurance rates for additional coverage choices and driver risks.

• The best discount rate is $749
• Raising to $1,000 deductibles will save about $152 annually
• The average rate for a good driver age 40 using $500 deductibles is $1,286
• Using low deductibles will cost an extra $296 a year
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,790
• Policy cost for full coverage for a teen driver can be $4,956

View Chart as Image

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

More mature drivers with no violations or accidents and high deductibles could pay as little 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 should be prepared to pay as much as $4,900 a year. View Rates by Age

Your home state also has a big influence on Nissan Leaf insurance rates. A middle-age driver might find rates as low as $930 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,740 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $450 each year, whereas increasing liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $414 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 may be forking out at least $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 42% to 130% more than a normal policy. View High Risk Driver Rates

How to Find Affordable Nissan Leaf Insurance

Finding cheaper rates on Nissan Leaf insurance consists of having a decent driving record, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Invest time comparing rates once a year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following items are a brief review of the data that was covered in the charts and tables above.

• You may be able to save up to $150 per year just by quoting online in advance
• Drivers who may need additional liability coverage will pay an extra $510 every year to raise from a 30/60 limit to 250/500 limits
• 16 to 18-year-old drivers are charged the highest rates, as much as $413 each month including comprehensive and collision insurance
• High-risk drivers with DUI or reckless driving convictions pay an average of $1,500 more every year than a driver with a clean driving record