Compare the Cost of Nissan LEAF Insurance by Model Year and Company

The average cost of insuring a Nissan LEAF is $1,383 per year. While it is an electric car, which can often drive rates up, Nissan LEAF insurance costs are slightly lower than average. Rates can differ based on insurer policies and your car’s model year, so it pays to shop around to end up with the best possible deal.

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Comparing quotes is a good strategy when buying insurance for your Nissan LEAF because different providers have different costs to insure the same vehicle. In fact, the cheapest insurance offer can change between providers based on your driver profile and model year.

Key Takeaways

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It costs an average of $1,383 per year to insure a Nissan LEAF, compared to $1,428 for the average car model.

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Depending on the company, Nissan LEAF insurance rates can change by $851 per year.

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Depending on how old your car is, the cost of insuring a Nissan LEAF can change by as much as $176 per year with cheaper rates for older models.

How Much It Costs to Insure a Nissan LEAF and the Cheapest Company

The insurance provider you choose can have a huge impact on your Nissan LEAF insurance costs. While costs can vary between different providers, the average annual cost of insuring a Nissan LEAF is about $1,383. GEICO provides the cheapest insurance on average, with an annual cost of $1,049, while Allied is the most expensive at $1,904 per year. That is a potential difference of $851 per year, depending on your choice of provider.

The Average Annual Cost of Nissan LEAF Insurance by Company

MoneyGeek collected thousands of Nissan LEAF insurance quotes from multiple providers based on a sample driver profile. The sample driver has 100/300/100 liability insurance with comprehensive and collision coverage.

The Average Cost to Insure a Nissan LEAF by Company

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Is a Nissan LEAF Expensive to Insure?

Insurers use several different factors to determine the cost of car insurance for any given model. Expensive cars and those with high rates of thefts or accidents usually receive the highest insurance premiums.

Typically, the Nissan LEAF is slightly less expensive to insure than a typical car. Insurers do not share how they determine insurance costs. Even though the Nissan LEAF is an electric car (which usually increases rates), its economical price point, decreased likelihood of theft and strong safety ratings might play a role in keeping premiums down.

The Best Car Insurance Company for a Nissan LEAF

While looking to insure a Nissan LEAF, it is wise to look beyond just the costs involved. To find the best policy for your needs, it pays to look at other details of your chosen insurer.

Based on affordability, financial stability, customer satisfaction and customer complaints, MoneyGeek’s rating system determined the following:

  • The best company for insuring a Nissan LEAF is USAA, which is only available to current and former military members and their families.
  • For drivers who are not service members, the best option for Nissan LEAF insurance is GEICO.

1
USAA
Score:95

4.7/5

Affordability

4.5/5

Claims Ratings

5/5

User Satisfaction

5/5

Financial Stability

2
GEICO
Score:90

5/5

Affordability

3.5/5

Claims Ratings

3/5

User Satisfaction

5/5

Financial Stability

3
State Farm
Score:82

4.2/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

5/5

Financial Stability

4
Progressive
Score:78

4/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

5
Allstate
Score:69

3/5

Affordability

4.5/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

How Much It Costs to Insure a Nissan LEAF by Model Year

If you have an older Nissan LEAF model, you typically have to pay less for insurance because the value of a car depreciates over time. Therefore, the cost of comprehensive and collision coverage also becomes cheaper. The average cost of car insurance for a 2011 Nissan LEAF is $1,256 per year, while a 2018 Nissan LEAF costs about $1,432. That is a difference of $176 depending on the model year of your car.

The cheapest option might change based on which model year of Nissan LEAF you own. The cheapest insurance company for a 2020 Nissan LEAF is GEICO, with an average annual premium of $1,061. Scroll to your model year to compare rates from different providers, as the most affordable option can change depending on the model year.

The Average Cost to Insure a Nissan LEAF by Model Year

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  • Company
    Average Annual Rates (2020 model)
    Average Annual Rates (2019 model)
    Average Annual Rates (2018 model)
    Average Annual Rates (2017 model)
    Average Annual Rates (2016 model)
    Average Annual Rates (2011 model)
  • 1.
    $1,061
    $1,035
    $1,106
    $1,039
    $1,025
    $1,031
  • 2.
    $1,157
    $1,168
    $1,250
    $1,219
    $1,172
    $1,040
  • 3.
    $1,405
    $1,381
    $1,358
    $1,368
    $1,283
    $1,207
  • 4.
    $1,497
    $1,517
    $1,294
    $1,340
    $1,351
    $1,322
  • 5.
    $1,269
    $1,533
    $1,478
    $1,453
    $1,422
    $1,296

How Expensive Is It to Insure a Nissan LEAF Compared to Other Cars?

Insuring a Nissan LEAF costs slightly less than insuring the average car. The typical Nissan LEAF has an annual insurance premium of $1,383, slightly lower than the $1,428 annual cost for the average car model. In addition, it is significantly more affordable than typical costs for other, more expensive electric cars, like those from Tesla.

How Much It Costs to Insure a Nissan LEAF for 16- to 25-Year-Olds

Younger drivers usually attract higher insurance premiums due to their lack of experience on the road, irrespective of the model of car they drive. The average cost of insuring a Nissan LEAF for an 18-year-old driver is about $4,514 per year, whereas the same insurance package for a 40-year-old driver costs around $1,383. Teen drivers can save money by staying on their parents’ insurance policy rather than purchasing their own.

The Average Cost to Insure a Nissan LEAF by Driver Age

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  • Age
    Average Annual Rates
  • 16
    $5,788
  • 17
    $5,127
  • 18
    $4,514
  • 19
    $3,233
  • 20
    $2,886
  • 21
    $2,285
  • 22
    $2,104
  • 23
    $1,926
  • 24
    $1,807
  • 25
    $1,640
  • 40
    $1,383

How Does Location Affect the Cost of Nissan LEAF Insurance?

The costs referenced here are based on a national average. It is important to remember that where you live can also have an impact on insurance costs. To learn more about the cost of car insurance in individual states, look at our state page analysis.

FAQs About Nissan LEAF Insurance

The model of your vehicle can significantly impact the cost of insurance. However, it is just one factor out of many. Here are some common questions about insuring a Nissan LEAF.

Read More About Car Insurance

Methodology

Using a sample driver profile, MoneyGeek collected thousands of quotes from different insurance providers for the Nissan LEAF S. This sample driver profile is for a 40-year-old male driver with a full coverage policy including:

  • $100,000 in bodily injury liability insurance per person
  • $300,000 in bodily injury liability insurance per accident
  • $100,000 in property damage liability insurance per accident
  • Comprehensive and collision insurance with a $1,000 deductible

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.