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Nissan Leaf Insurance [How to Find Cheap Rates]

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 are $128 per month for full coverage, but parents of teen drivers pay $467 per month. You can save up to $632 per year through earned policy discounts. Continue reading to learn how you can be eligible.

You can start comparing quotes for Nissan Leaf auto insurance rates from some of the best auto insurance companies by using our free online tool now.

Table of Contents

Nissan Leaf Insurance Cost

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

Are Nissan Leafs Expensive to Insure?

The chart below details how Nissan Leaf insurance rates compare to other hybrid/electrics like the Buick LaCrosse, Toyota Prius, and Ford C-Max Hybrid.

Vehicle Comprehensive Collision Liability Total
Buick LaCrosse $320 $566 $338 $1,360
Toyota Prius $306 $512 $332 $1,286
Ford C-Max Hybrid $282 $566 $398 $1,404
Hyundai Sonata Hybrid $322 $626 $420 $1,548
Honda Accord Hybrid $362 $718 $316 $1,532
Ford Fusion Hybrid $322 $656 $466 $1,644
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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 for a 2017 Nissan Leaf costs $1,534, while 2011 Nissan Leaf insurance costs 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 the cost of Nissan Leaf auto insurance. For example, 20-year-old drivers pay as much as $1,944 more each year for their Nissan Leaf auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Nissan Leaf insurance rates. For example, drivers in Phoenix may pay $844 a year less than drivers in Los Angeles.

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 auto insurance rates are influenced by the Nissan Leaf’s safety ratings. 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

Nissan Leaf crash test ratings will affect your Nissan Leaf auto 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

Most drivers don’t realize that not only do Nissan Leaf safety features play a vital role in keeping passengers safe in crashes, but they can also help lower Nissan Leaf auto insurance rates. 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
  • Automatic Emergency Braking (AEB)
  • Low Tire Pressure Warning
  • Dual Stage Driver And Passenger Front Airbags
  • Curtain 1st And 2nd Row Airbags
  • Airbag Occupancy Sensor
  • Rear Child Safety Locks
  • Outboard Front Lap And Shoulder Safety Belts -inc: Rear Center 3 Point, Height Adjusters and Pretensioners
  • 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 coverage options including comprehensive coverage, so be sure to shop around and compare Nissan Leaf auto insurance rates from the best companies using our FREE tool below.

Ways to Save on Nissan Leaf Insurance

Drivers can end up saving more money on their Nissan Leaf auto insurance rates by employing any one of the following strategies.

  • Watch Your Insurer Closely When Your Nissan Leaf Needs Repairs
  • Tell Your Insurer About Different Drivers or Uses for Your Nissan Leaf
  • Remove Young Drivers from Your Nissan Leaf Auto Insurance Policy When They Move Out or Go to School
  • Choose Automatic Payments or EFT for Your Nissan Leaf Auto Insurance Policy
  • Spy on Your Teen Driver

Top Nissan Leaf Insurance Companies

Who is the top auto 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

Start comparing Nissan Leaf auto insurance quotes for free by using our convenient online comparison tool.


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