How Much are Nissan Leaf Insurance Rates?

The cost of Nissan Leaf car insurance rates are $1,534 a year, or around $128 a month on average. Mature drivers with good driving records may find rates as low as $902 a year.

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Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Oct 27, 2020

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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

Nissan Leaf insurance rates don’t need to break the bank. Full coverage for a Nissan Leaf costs around $1,534 a year or $128 each month. Read our comprehensive guide to learn how to save on Nissan Leaf insurance rates.

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.

Nissan Leaf Insurance Cost

The average Nissan Leaf car insurance rates are $1,534 a year or $128 a month.

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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 Buick LaCrosse, Lexus GS 450h, and Ford Fusion Hybrid.

Vehicle Comprehensive Collision Liability Total
Buick LaCrosse $320 $566 $338 $1,360
Lexus GS 450h $394 $774 $398 $1,724
Ford Fusion Hybrid $322 $656 $466 $1,644
Honda Accord Hybrid $362 $718 $316 $1,532
Ford C-Max Hybrid $282 $566 $398 $1,404
Chevrolet Volt $370 $774 $398 $1,700
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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?

The Nissan Leaf trim and model you choose can impact the total price you will pay for Nissan Leaf insurance coverage.

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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Driver Age

Driver age can have a significant impact on Nissan Leaf auto insurance rates. For instance, a 30-year-old driver may pay $67 more each year for Nissan Leaf auto insurance than a 40-year-old driver.

Driver 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.

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.

Nissan Leaf Safety Ratings

Your Nissan Leaf car insurance rates are tied to 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
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Nissan Leaf Crash Test Ratings

Poor Nissan Leaf crash test ratings could mean higher Nissan Leaf car insurance rates.

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
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Nissan Leaf Safety Features

The more safety features you have on your Nissan Leaf, the more likely it is that you can earn a discount. The Nissan Leaf’s safety features include:

  • Electronic Stability Control (ESC)
  • ABS And Driveline Traction Control
  • Side Impact Beams
  • Dual Stage Driver And Passenger Seat-Mounted Side Airbags
  • Intelligent Blind Spot Intervention Blind Spot
  • Intelligent Forward Collision Warning with AEB
  • Intelligent Lane Intervention (I-LI) Lane Keeping Assist
  • Intelligent Lane Intervention (I-LI) Lane Departure Warning
  • Low Tire Pressure Warning
  • Dual Stage Driver And Passenger Front Airbags
  • Curtain 1st And 2nd Row Airbags
  • Airbag Occupancy Sensor
  • Driver And Passenger Knee Airbag and Rear Side-Impact Airbag
  • Rear Child Safety Locks
  • Outboard Front Lap And Shoulder Safety Belts
  • RearView Monitor Back-Up Camera

Nissan Leaf Insurance Loss Probability

The Nissan Leaf’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Nissan Leaf, others are more favorable and lead to lower insurance rates.

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
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Nissan Leaf Finance and Insurance Cost

If you are financing a Nissan Leaf, most lenders will require your carry higher Nissan Leaf coverages including comprehensive coverage, so be sure to compare Nissan Leaf car insurance rates from the best companies using our FREE tool below.

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Ways to Save on Nissan Leaf Insurance

There are many ways that you can save on Nissan Leaf car insurance. Below are five actions you can take to find cheap Nissan Leaf auto insurance rates.

  • Use an Accurate Job Title When Requesting Nissan Leaf Auto Insurance
  • Use a Service Like Turo to Rent Out Your Nissan Leaf
  • Start Searching for New Nissan Leaf Car Insurance a Month Before Your Renewal
  • Check Reviews and State Complaints Before You Choose an Insurer
  • Spy on Your Teen Driver

Top Nissan Leaf Insurance Companies

Who is the top car insurance company for Nissan Leaf insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Nissan Leaf auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Nissan Leaf offers.

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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Compare Free Nissan Leaf Insurance Quotes Online

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.

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