Nissan Leaf Insurance Cost [Rates + Coverage Guide]

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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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 15, 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

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 Nissan Leaf 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.

Nissan Leaf Insurance Cost

The average Nissan Leaf auto insurance costs 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 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
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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?

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, home address, driving history, and the model year of your Nissan Leaf.

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 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.

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 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
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Nissan Leaf Crash Test Ratings

Good Nissan Leaf crash test ratings can lower your Nissan Leaf auto insurance rates. See Nissan Leaf crash test results below:

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:

  • 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

Nissan Leaf Insurance Loss Probability

The Nissan Leaf’s insurance loss probability varies for each form of coverage. The lower percentage means lower Nissan Leaf auto insurance rates; higher percentages mean higher Nissan Leaf car 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 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 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

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 Nissan 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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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.

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.

Enter your ZIP code into the box above now for FREE online car insurance quotes!

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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, if any at all, availability 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 electric vehicles. 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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