Compare Nissan Leaf Car Insurance Rates [2024]
Average car insurance rates for a Nissan Leaf cost $1,534 a year, or around $128 a month. On average, Nissan Leaf comprehensive insurance coverage costs $374, collision coverage costs $545, and liability coverage costs $433.
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Jeffrey Manola
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Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
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UPDATED: Nov 27, 2023
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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Key Takeaways:
- Full coverage costs around $1,534 a year or $128 each month
- A liability-only policy costs around $615 a year or $51 each month
- Highest rates are for teenage drivers at around $5,607 a year or $467 each month
- Good drivers can save as much as $632 a year by earning policy discounts
- Nissan Leaf insurance costs around $15 more per year than the average vehicle
On average, Nissan Leaf car insurance rates cost $1,534 per year, which is about $128 every month. Good drivers who qualify for policy discounts can save up to $632 a year on insurance rates. Keep reading through this article to learn all about how Nissan Leaf rates are determined, so you can consider yourself informed and ready to compare quotes like an expert.
You can start comparing quotes for Nissan Leaf car insurance rates from some of the best car insurance companies by using our free online tool now.
What is the average Nissan Leaf insurance cost?
Since there are many factors to take into consideration for the cost of auto insurance other than the type of vehicle, naturally there can be a huge price difference from one person to the next, depending on their specific information or calculated risk.
The average cost for auto insurance on a Nissan Leaf is $1,534 a year or $128 a month.
Depending on where you live, your driving history, and other personal information as well as the insurance company from which you choose to purchase your policy, your cost could be higher or lower than the average.
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Are Nissan Leafs expensive to insure?
The chart below details how Nissan Leaf insurance rates compare to other hybrid/electrics like the Ford Fusion Energi, Honda Accord Hybrid, and Chrysler Pacifica Hybrid.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Ford Fusion Energi | $336 | $626 | $372 | $1,492 |
| Honda Accord Hybrid | $362 | $718 | $316 | $1,532 |
| Chrysler Pacifica Hybrid | $370 | $656 | $338 | $1,500 |
| Buick LaCrosse | $320 | $566 | $338 | $1,360 |
| Hyundai Sonata Hybrid | $322 | $626 | $420 | $1,548 |
| Toyota Prius | $306 | $512 | $332 | $1,286 |
However, there are a few things you can do to find the cheapest Nissan insurance rates online.
What impacts the cost of Nissan Leaf insurance?
Even though the average annual rate for the Nissan Leaf is $1,534, your policy can be higher or lower depending upon your profile. Those factors include your age, marital status, home address, driving history, and the model year of your Leaf. Your credit score could also be used to determine how much you pay for insurance, depending on where you live.
What is the age of the vehicle?
Older Nissan Leaf models generally cost less to insure. For example, auto insurance rates for a 2017 Nissan Leaf are $1,534, while 2011 Nissan Leaf rates are $1,286, a difference of $248.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2017 Nissan Leaf | $320 | $640 | $416 | $1,534 |
| 2016 Nissan Leaf | $310 | $612 | $430 | $1,510 |
| 2015 Nissan Leaf | $292 | $592 | $442 | $1,484 |
| 2014 Nissan Leaf | $282 | $548 | $452 | $1,440 |
| 2013 Nissan Leaf | $270 | $516 | $456 | $1,400 |
| 2012 Nissan Leaf | $258 | $464 | $460 | $1,340 |
| 2011 Nissan Leaf | $242 | $426 | $460 | $1,286 |
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How important is driver age?
A driver’s age can have a significant effect on the cost of Nissan Leaf car insurance. For example, 30-year-old drivers pay approximately $67 more for their Nissan Leaf car insurance than 40-year-old drivers. Overall, teenage drivers are typically the most expensive to insure as they do not have the experience of other drivers and statistically have more accidents.
What is the driver’s location?
Where you live can have a large impact on Nissan Leaf insurance rates. For example, drivers in Houston may pay $1,131 a year more than drivers in Columbus.
How good is your driving record?
Your driving record can have an impact on the cost of Nissan Leaf auto insurance. Teens and drivers in their 20’s see the highest jump in their Nissan Leaf auto insurance rates with violations on their driving record. Adults 25 years old and older with a clean driving record typically will have lower insurance rates.
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What about Nissan Leaf safety ratings?
Your car insurance rates are influenced by the safety ratings of the Nissan Leaf. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | Not Tested |
|---|---|
| Small overlap front: passenger-side | Not Tested |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Not Tested |
| Head restraints and seats | Good |
| Source: Insurance Institute for Highway Safety | |
What are Nissan Leaf crash test ratings?
Good Nissan Leaf crash test ratings can lower your insurance rates. You can find the crash test results below for three models:
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2018 Nissan Leaf BEV 5 HB FWD | N/R | N/R | N/R | N/R |
| 2017 Nissan Leaf BEV 5 HB FWD | N/R | 4 stars | N/R | 4 stars |
| 2016 Nissan Leaf 5 HB FWD | 4 stars | 4 stars | 4 stars | 4 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
What are Nissan Leaf safety features?
The more safety features you have on your vehicle, the more likely it is that you can earn a discount for more affordable prices on your auto insurance. The Nissan Leaf’s safety features include:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Child Safety Locks
- Traction Control
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What is Nissan Leaf insurance loss probability?
The Nissan Leaf’s insurance loss probability varies for each form of coverage. The lower percentage means lower auto insurance rates; higher percentages mean higher car insurance rates for your Leaf.
| Insurance Coverage Category | Loss Rate |
| Collision | -11% |
|---|---|
| Property Damage | -16% |
| Comprehensive | -55% |
| Personal Injury | -17% |
| Medical Payment | -36% |
| Bodily Injury | -24% |
| Source: Insurance Institute for Highway Safety | |
What about Nissan Leaf finance and insurance cost?
Once you have found the model of Nissan Leaf that you want to purchase and have agreed on the purchase price, unless you are paying in full, you will be financing the balance due. However, if you are financing a Nissan Leaf, most lenders will require that you carry higher coverage options including comprehensive coverage, so be sure to shop around and compare car insurance rates from the best companies using our FREE tool below.
What are ways to save on Nissan Leaf insurance?
There are several ways you can save even more on your Nissan Leaf car insurance rates. Take a look at the following five tips:
- Take a Defensive Driving Course or Any Driver’s Education Course
- Pay Your Bills On Time — Especially Nissan Leaf Payments and Insurance
- Ask About Nissan Leaf Safety Discounts
- Apply for Your Full, Unrestricted License as Soon as You’re Eligible
- Ask About a Student Away from Home Discount
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What are top Nissan Leaf insurance companies?
Several insurance companies offer competitive rates for the Nissan Leaf based on factors like discounts for safety features. Take a look at these top car insurance companies that are popular with Leaf drivers organized by market share.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
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You can start comparing quotes for Nissan Leaf car insurance rates from some of the best car insurance companies by using our free online tool now.
The newly introduced Nissan Leaf is a blessing to the environmentally-conscious mind, but it is one of the more expensive hatchback vehicles to insure.
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What insurance advantages does the Nissan Leaf offer over other vehicles?
Most importantly, the Nissan Leaf boasts a 5 Star Safety rating from the government’s New Car Assessment Program (NCAP). This is the highest rating possible and means that it scored well in the frontal and side crash tests, as well as the rollover evaluation.
Regarding safety, this is important because the Leaf poses a low level of risk for an insurance company which will result in lower rates.
In addition to the NCAP rating, the Leaf is also billed as a top safety pick from the Insurance Institute for Highway Safety (IIHS).
Vehicles that achieve good scores in front, rear, and side impact testing, as well as roof strength, are given this esteemed rating.
Not only is the Nissan Leaf considered to be a safe car, but it also offers many other advantages regarding insurance rates. It is entirely electric and can go an average of 100 miles on a single charge.
You should be aware that this varies greatly depending on driving conditions, speed, and the use of cabin temperature controls, however.
This limited driving range actually works in the owner’s favor because it decreases the probability that the car will be involved in an accident.
Another significant benefit that Nissan offers is an eight-year, 100,000-mile warranty.
This can be a huge benefit when insuring a vehicle because it decreases the repair costs the insurer may be required to cover. The manufacturer will take responsibility for a majority of these expenses.
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Why are insurance rates high for new cars?
While the Nissan Leaf does offer some distinct advantages over other vehicles in its size class, the insurance rates remain significantly higher.
There is a very limited set of data from which the insurer can assess the risk of insuring a new vehicle, and therefore, a lot of uncertainty.
Insurers are extremely risk averse and will quote insurance rates reflective of the amount of risk they believe they will be taking on by insuring a vehicle or driver, which points to two more reasons why new cars are generally more expensive to insure.
First, new cars are more expensive to repair in general. For the most part, new cars require new parts. There is very limited availability, if any at all, of parts from salvage yards or the aftermarket. If parts are more expensive to acquire, the vehicle will be more expensive to insure.
Parts for new cars may be more expensive for the Leaf, and labor charges can also be exorbitant.
Second, the technology of this vehicle is undoubtedly cutting edge, so it may be difficult to find a mechanic qualified to work on an electric vehicle. Those that are qualified charge significantly higher hourly labor rates.
Where can I find more information about insurance rates?
The Nissan Leaf can be expensive to insure because of the issues discussed above, but it does offer quite a few amenities that insurance companies will view favorably.
This is why it is important to do your research to find the best coverage for the best price.
Furthermore, the vehicle is not the only factor the insurance company looks at when conducting a risk assessment. The driver is also a significant factor in the equation.
Many companies will offer discounts based on your driving record — if you have been accident-free for a specified period of time, for instance. Discounts are also offered for those younger drivers who are in school and successfully working hard to maintain good grades.
There are several factors that are taken into consideration when determining insurance rates. The Nissan Leaf offers many advantages but also a significant amount of disadvantages to an insurer.
Over time, this car, and electric vehicles as a whole should become more insurance friendly. If you are considering purchasing a Leaf, get multiple quotes and weigh the benefits and exclusions of each policy carefully.
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Frequently Asked Questions
How can I compare insurance rates for a Nissan Leaf?
To compare insurance rates for a Nissan Leaf, you can follow these steps:
- Gather necessary information: Collect details about your vehicle, such as the make, model, year, and any safety features it may have.
- Research insurance providers: Look for reputable insurance companies that offer coverage in your area.
- Obtain quotes: Contact insurance providers directly or use online insurance comparison websites to request quotes for your Nissan Leaf. Provide accurate information to get the most accurate quotes.
- Compare coverage options: Review the coverage limits, deductibles, and any additional features or benefits offered by each insurance company.
- Consider your needs and budget: Determine which insurance policy offers the best coverage and fits within your budget.
- Purchase your chosen policy: Once you have made a decision, contact the insurance company to purchase the policy.
What factors affect the insurance rates for a Nissan Leaf?
Several factors can influence the insurance rates for a Nissan Leaf, including:
- Age and driving experience of the primary driver
- Location where the vehicle will be primarily driven and parked
- The make, model, and year of the Nissan Leaf
- Safety features and anti-theft devices installed in the vehicle
- Annual mileage and usage of the car
- Driving record and claims history of the primary driver
- Credit history (in some cases)
- Coverage options and deductibles selected
Are Nissan Leaf cars expensive to insure?
Insurance rates can vary depending on various factors, so it’s difficult to make a general statement. However, Nissan Leaf cars are typically considered electric vehicles (EVs), and insurance rates for EVs can sometimes be higher due to factors such as the specialized parts and repair costs. On the other hand, some insurance companies offer discounts and incentives for eco-friendly vehicles like the Nissan Leaf. To get an accurate idea of insurance costs, it’s recommended to obtain quotes from different insurance providers based on your specific circumstances.
Can I get discounts on Nissan Leaf insurance?
Yes, it is possible to obtain discounts on Nissan Leaf insurance. Insurance companies often offer various discounts to policyholders. Some common discounts that might be available for Nissan Leaf owners include:
- Multi-policy discount: If you have multiple insurance policies with the same provider, such as auto and home insurance.
- Safe driver discount: If you have a clean driving record without any accidents or violations.
- Anti-theft device discount: If your Nissan Leaf is equipped with anti-theft devices or features.
- Safety feature discount: If your vehicle has safety features like airbags, anti-lock brakes, or electronic stability control.
- Good student discount: If you or a household member who drives the Leaf is a full-time student with good grades. It’s recommended to inquire about available discounts when obtaining insurance quotes.
Are Nissan Leaf car insurance rates higher for new or used vehicles?
Generally, insurance rates for new Nissan Leaf vehicles tend to be higher compared to used ones. This is because new vehicles have a higher market value and may require more expensive repairs or replacement parts in the event of an accident. However, other factors such as the vehicle’s safety features and the driver’s profile will also impact insurance rates.
Can the color of my Nissan Leaf affect insurance rates?
No, the color of your Nissan Leaf does not typically affect insurance rates. Insurance companies primarily consider factors such as the make, model, year, safety features, and driving record when determining rates. The color of the vehicle is not a significant factor in calculating insurance premiums.
Do Nissan Leaf car insurance rates vary by location?
Yes, insurance rates can vary based on the location where the Nissan Leaf will be driven and parked. Areas with higher rates of accidents, theft, or vandalism generally have higher insurance premiums. Urban areas or regions with heavy traffic congestion might also impact rates. It’s advisable to check with insurance providers to understand how location can affect your insurance rates.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.