Nissan Leaf Insurance Rates
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UPDATED: Jun 5, 2023
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Estimated insurance rates for a Nissan Leaf are $1,256 a year including full coverage. Comprehensive costs on average $234, collision costs $400, and liability is $464. Liability-only coverage costs around $514 a year, with high-risk coverage costing around $2,722. Teen drivers pay the most at $4,858 a year or more.
Average premium for full coverage: $1,256
Premium estimates by type of coverage:
Rates are based on $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and for different Leaf trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Nissan Leaf go from the low end price of $514 for minimum levels of liability insurance to a much higher rate of $2,722 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas.
The price range example below illustrates how location helps determine car insurance rates.
These rate differences highlight why anyone shopping for car insurance should compare rates quotes based on a specific location, instead of using price 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.
Additional Rate Details
The chart below breaks down estimated Nissan Leaf insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $734
- Raising to $1,000 deductibles will save around $144 every year
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,256
- Choosing more expensive low deductibles bumps up the cost to $1,534
- At-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,722 or more
- An auto insurance policy that insures a teen driver with full coverage may cost $4,858
Insurance prices for a Nissan Leaf also have a wide range based on the model year and trim level, your driving record and age, and policy deductibles and limits.
If you have a few violations or you caused an accident, you are likely paying at a minimum $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 133% more than average. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay upwards of $4,800 a year. View Rates by Age
Where you choose to live also has a big influence on Nissan Leaf insurance prices. A middle-age driver might find prices as low as $960 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,790 on average in Michigan, New York, and Louisiana.
| 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 high deductibles can reduce prices by up to $430 every year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $417 more per year. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to figure out exactly what you will pay is to compare prices and see which company has the best price. Every auto insurance company uses a different rate calculation, so the prices will be substantially different.
| 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 |
| 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 the Best Cheap Nissan Leaf Insurance
Finding better rates on car insurance consists of being a good driver, having above-average credit, refrain from filing small claims, and bundling your home and auto policies. Shop around once a year by quoting rates from direct car insurance companies, and also from insurance agencies where you live.
The following list is a quick review of the data that was covered in the charts and tables above.
- You may be able to save as much as $150 per year simply by shopping early and online
- Policyholders who require an increased level of liability coverage will pay about $510 per year to raise from 30/60 bodily injury limits to the 250/500 level
- Drivers age 16 to 20 pay the highest prices, with the cost nearing $405 per month if full coverage is included
- Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,470 more each year than a safer driver
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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