Nissan Leaf insurance costs average $89 per month for minimum coverage and $171 monthly for full coverage. Depending on your particular trim and model year, costs can range from $41 to $422 monthly.
Nissan Leaf Insurance Cost
Updated: November 15, 2025
Key Takeaways
Monthly premiums for Nissan Leaf insurance typically cost between $41 and $422, with newer base models costing much less than older premium trims.
Among all vehicle models sold in America, the Nissan Leaf ranks 350th out of 827 for insurance affordability based on average premium costs.
Travelers offers the most affordable Nissan Leaf insurance at $129 monthly for full coverage and $61 for minimum coverage.
How Much Is Nissan Leaf Insurance?
| Nissan Leaf | $89 | $171 |
Nissan Leaf Insurance Cost by Model Year
Your Nissan Leaf insurance rates depend on your model year and available trim options, with newer models often costing more due to higher fair value. Monthly premiums for Leaf models range from as low as $48 to as high as $300, depending on the specific year you drive.
| 2025 | $103 | $200 |
| 2024 | $101 | $196 |
| 2023 | $58 | $113 |
| 2022 | $55 | $107 |
| 2021 | $48 | $94 |
| 2020 | $84 | $161 |
| 2019 | $78 | $150 |
| 2018 | $78 | $151 |
| 2017 | $155 | $300 |
| 2016 | $122 | $236 |
| 2015 | $111 | $215 |
| 2014 | $103 | $200 |
| 2013 | $93 | $180 |
| 2012 | $95 | $184 |
| 2011 | $100 | $194 |
Nissan Leaf Insurance Cost by Trim
Your Nissan Leaf's trim level directly impacts insurance costs based on the vehicle's features, market value and replacement difficulty. Monthly premiums across different Leaf trims range from $65 to $298, with newer or higher-end variants typically costing more to insure than base models.
| Sv Plus Hatchback 4d | $65 | $126 |
| S Plus Hatchback 4d | $69 | $134 |
| Sl Plus Hatchback 4d | $71 | $138 |
| S Hatchback 4d | $75 | $145 |
| S | $91 | $177 |
| Sv Hatchback 4d | $94 | $182 |
| S-24 Hatchback 4d | $100 | $194 |
| Sl Hatchback 4d | $111 | $215 |
| Sv Plus | $113 | $219 |
| S-30 Hatchback 4d | $154 | $298 |
Nissan Leaf Insurance Cost by Company
Nissan Leaf insurance costs vary by provider from $96 to $211 monthly. Minimum coverage ranges from $61 to $148, while full coverage costs $129 to $299. Rates vary due to different risk assessment models.
| GEICO | $61 | $131 |
| Travelers | $70 | $129 |
| State Farm | $79 | $162 |
| Kemper | $88 | $177 |
| Nationwide | $96 | $165 |
| Progressive | $97 | $182 |
| AAA | $102 | $211 |
| The Hartford | $103 | $175 |
| Chubb | $106 | $209 |
| Amica | $107 | $220 |
| Allstate | $119 | $229 |
| AIG | $123 | $299 |
| Farmers | $126 | $223 |
| UAIC | $148 | $184 |
Nissan Leaf Insurance Cost by State
Nissan Leaf insurance costs vary dramatically by location, ranging from $34 monthly in Wyoming to $377 in Louisiana.
| Alabama | $74 | $140 |
| Alaska | $62 | $132 |
| Arizona | $105 | $196 |
| Arkansas | $71 | $158 |
| California | $82 | $166 |
| Colorado | $85 | $203 |
| Connecticut | $122 | $211 |
| Delaware | $127 | $214 |
| Florida | $119 | $274 |
| Georgia | $130 | $215 |
| Hawaii | $48 | $108 |
| Idaho | $47 | $95 |
| Illinois | $78 | $146 |
| Indiana | $56 | $110 |
| Iowa | $48 | $116 |
| Kansas | $63 | $146 |
| Kentucky | $109 | $184 |
| Louisiana | $175 | $377 |
| Maine | $44 | $90 |
| Maryland | $133 | $223 |
| Massachusetts | $92 | $194 |
| Michigan | $139 | $267 |
| Minnesota | $69 | $143 |
| Mississippi | $75 | $149 |
| Missouri | $96 | $192 |
| Montana | $61 | $145 |
| Nebraska | $65 | $147 |
| Nevada | $163 | $294 |
| New Hampshire | $61 | $108 |
| New Jersey | $146 | $242 |
| New Mexico | $71 | $158 |
| New York | $111 | $199 |
| North Carolina | $71 | $140 |
| North Dakota | $51 | $110 |
| Ohio | $65 | $125 |
| Oklahoma | $79 | $176 |
| Oregon | $107 | $188 |
| Pennsylvania | $73 | $171 |
| Rhode Island | $112 | $199 |
| South Carolina | $92 | $171 |
| South Dakota | $45 | $136 |
| Tennessee | $68 | $137 |
| Texas | $114 | $235 |
| Utah | $95 | $161 |
| Vermont | $38 | $91 |
| Virginia | $82 | $134 |
| Washington | $82 | $152 |
| West Virginia | $75 | $151 |
| Wisconsin | $56 | $124 |
| Wyoming | $34 | $103 |
Nissan Leaf Insurance Cost by Driver Profile
Your age and driving record dramatically impact Nissan Leaf insurance costs. Young drivers under 25 can expect monthly premiums around $434, while adult drivers between 26-64 with clean records pay as little as $89 monthly for minimum coverage.
| Adult Drivers | $89 | $171 |
| Young Drivers | $226 | $434 |
| Senior Drivers | $118 | $217 |
| Drivers With a Speeding Ticket | $110 | $215 |
| Drivers With an Accident | $131 | $251 |
| Drivers With a DUI | $162 | $310 |
| Drivers With Bad Credit | $208 | $420 |
Is a Nissan Leaf Expensive to Insure?
Compared to the rest of the models on the U.S. market, a Nissan Leaf ranks 350th out of 827, putting it around the middle for car insurance costs. Among compact hatchbacks, the model ranks ninth out of 20.
| Volkswagen Beetle | $71 | $138 |
| Dodge Caliber | $77 | $149 |
| Hyundai Elantra | $81 | $155 |
| Fiat 500e | $82 | $159 |
| Mazda 3 | $85 | $163 |
| Toyota Corolla | $85 | $163 |
| Chevrolet Volt | $86 | $167 |
| Toyota Prius | $87 | $168 |
| Nissan Leaf | $89 | $171 |
| Volkswagen Golf | $91 | $177 |
| Honda Civic | $94 | $181 |
| Hyundai Veloster | $94 | $182 |
| Fiat 500 | $96 | $186 |
| Mitsubishi Lancer | $101 | $195 |
| Ford Focus | $101 | $195 |
| Fiat 500L | $102 | $197 |
| Kia Forte | $107 | $206 |
| Dodge Dart | $109 | $211 |
| Chevrolet Cruze | $113 | $218 |
| Fiat 500 Abarth | $149 | $288 |
Factors That Affect Nissan Car Insurance Costs
Several factors affect your Nissan Leaf insurance costs:
- Age (Typically 35 to 55): Mature drivers with established driving records and lower risk profiles
- Gender (Slight female majority): Nissan customers are 53% female, increasing to 62% among potential EV buyers
- Income (Above average): Higher education levels and stable employment are typically associated with lower insurance risk
Average Repair or Replacement Costs
Nissan ranks ninth in repair affordability among 59 U.S. automakers with median annual costs of $687.
Vehicle Trim, Features and Accessories
The Nissan Leaf offers two main trim configurations that impact insurance costs. The base S trim produces 147 horsepower with a 40-kWh battery providing 149 miles of range, while the SV Plus generates 214 horsepower with a larger 60-kWh battery for 212 miles of range.
Advanced safety features like automatic emergency braking, blind-spot monitoring, and intelligent forward collision warning come standard across trims, potentially reducing insurance premiums. However, the electric drivetrain's specialized components, including lithium-ion batteries and regenerative braking systems, may increase repair complexity and parts costs for insurers to consider.
Fuel Type
As a fully electric vehicle, the Nissan Leaf eliminates gasoline costs entirely, achieving EPA ratings of 111 MPGe combined for the S trim and 109 MPGe for the SV Plus. This translates to lower operating costs compared to gas-powered vehicles.
The electric powertrain offers substantial cost savings with an estimated $416 annual fuel cost versus traditional vehicles. However, the specialized electric components like the battery pack, charging system, and electric motor may require trained technicians for repairs, potentially influencing insurance calculations despite the overall lower maintenance requirements and reduced fire risks compared to gasoline engines.
Location
Nissan Leaf ownership concentrates in progressive metropolitan markets with strong EV infrastructure and incentives. Traditional West Coast strongholds like Seattle, Portland, and San Francisco lead adoption, with the Leaf ranking as the number one Nissan seller in these markets for several months.
Driver Profile
Early Nissan Leaf buyers typically were environmentally conscious professionals and educated early adopters. Historical data shows the average 2011 Leaf owner was around 45 years old with a $125,000 annual income, owned their home with garage charging access, and drove less than 50 miles daily.
Current EV adoption trends show broader demographic expansion, but Leaf owners generally maintain favorable insurance profiles:
How to Lower the Cost of Nissan Leaf Insurance
Below we break down the best way to buy car insurance for your Nissan Leaf:
- 1Choose the right coverage
How much coverage you need for your Nissan Leaf depends on what the car is worth, how often you drive it and what your budget allows. You can stick with minimum liability and a $1,000 deductible or move to 100/300/100 with a $500 deductible, and lenders may require gap insurance if you are financing or leasing.
- 2Research costs and cheap companies
Researching average auto insurance costs for your car will give you an idea of how much you're saving currently and with another provider. You can then look for the cheapest car insurance companies.
- 3Look for more than just low rates
To get the most balanced car insurance for your Nissan Leaf, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles. Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4Explore discounts you qualify for
Nissan Leaf owners can cut insurance costs by stacking discounts tied to having multiple vehicles, EV status, bundled policies, clean driving records, low mileage and built-in safety tech. Since most Leaf drivers have strong safety habits, shorter commutes and access to EV-specific incentives, these savings are usually easy to qualify for and can drop premiums fast.
- 5Consider alternative car insurance types
Nissan Leaf owners should consider usage-based insurance or programs like Travelers Intellidrive that reward safe driving habits with lower premiums.
- 6Check rates every year
Comparing car insurance quotes from multiple sources can cut your Nissan Leaf insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Nissan Leaf Insurance Cost: Bottom Line
Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Nissan Leaf Insurance Rates: FAQ
Here are answers to common questions about insuring a Nissan Leaf.
What is the average cost of car insurance for a Nissan Leaf?
The Nissan Leaf's average annual insurance cost is $1,063 yearly for state minimum and $2,056 for full coverage.
What company has the cheapest car insurance for a Nissan Leaf?
For Leaf car insurance, Travelers offers the most affordable full coverage at $129 monthly. GEICO provides the cheapest minimum coverage policies for Leaf drivers at just $61 per month.
Are Nissan Leafs expensive to insure?
The Nissan Leaf ranks about average for insurance cost. It ranks 350th for affordability. Among compact hatchbacks, this model sits at ninth out of 20.
What factors affect insurance costs for Nissan Leafs?
Several things drive up your Nissan Leaf rates. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too. Areas with more theft or higher weather risks cost more.
How can I lower Nissan Leaf insurance costs?
Shop around with multiple insurers as rates vary for Nissans, and consider usage-based insurance programs that track your driving habits. Take advantage of Nissan's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Nissan Leaf Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you the most accurate Nissan Leaf insurance costs.
Who We Based These Rates On
These Nissan Leaf prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions:
- Minimum Coverage: State-required liability limits
- Full Coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.