Annual full coverage insurance costs for a Nissan Leaf range from $1,093 with USAA to $6,094 for 16-year-olds. Rates vary based on the model year, your age, where you live, driving history, coverage level and insurer. MoneyGeek breaks down Nissan Leaf insurance costs and recommends the best and cheapest insurers.
Nissan Leaf Insurance Cost
Updated: March 25, 2025
Key Takeaways
GEICO offers the lowest annual rates for minimum coverage across all Nissan Leaf model years, averaging $490.
The average annual insurance cost for a Nissan Leaf is $588 for minimum coverage and $1,400 for full coverage.
MoneyGeek analyzed 4,183 quotes for the Nissan Leaf from Quadrant Information Services to provide these insights.
Nissan Leaf Insurance Rates
What Is the Average Nissan Leaf Car Insurance Cost?
The average cost of insuring a Nissan Leaf with full coverage is $117 per month or $1,400 per year, based on a 40-year-old male with a clean driving record. Minimum coverage costs about $49 per month or $588 per year.
| Minimum Coverage | $588 |
| Full Coverage | $1,400 |
Nissan Leaf Insurance Costs by Company
Nissan Leaf insurance costs range from $1,127 to $1,966 annually, depending on age, model year and coverage level. Below is a comparison of average Nissan Leaf insurance rates against the averages for all vehicles from several national and mid-size providers.
| Allstate | $1,828 | $1,809 | 1% |
| Auto-Owners | $1,170 | $1,227 | -5% |
| Farmers | $1,642 | $1,957 | -16% |
| GEICO | $1,151 | $1,333 | -14% |
| Kemper | $1,966 | $2,212 | -11% |
| Nationwide | $1,494 | $1,588 | -6% |
| Progressive | $1,758 | $1,742 | 1% |
| State Farm | $1,168 | $1,269 | -8% |
| Travelers | $1,183 | $1,524 | -22% |
| USAA | $1,127 | $1,199 | -6% |
Read more: Best Car Insurance Companies
Cost of Insuring a Nissan Leaf by Model Year
The year your Nissan Leaf was made can affect your insurance rates, with older models often being cheaper. For instance, full coverage for a 2022 model costs $1,538 a year, while it costs $1,266 for a 2011 model. Below are the average full and minimum coverage rates for each production year.
| 2022 | $601 | $1,538 |
| 2021 | $598 | $1,535 |
| 2020 | $580 | $1,515 |
| 2019 | $610 | $1,500 |
| 2018 | $615 | $1,479 |
| 2017 | $589 | $1,430 |
| 2016 | $611 | $1,380 |
| 2015 | $608 | $1,331 |
| 2014 | $581 | $1,314 |
| 2013 | $601 | $1,296 |
| 2012 | $595 | $1,279 |
| 2011 | $606 | $1,266 |
Nissan Leaf Insurance Costs by Driver Age
Nissan Leaf insurance rates vary widely depending on the driver's age. For instance, 40-year-olds pay an average of $1,405 annually for full coverage, while 16-year-olds pay $6,094. Below are the average minimum and full coverage rates for various ages.
| 16 | $2,736 | $6,094 |
| 17 | $2,243 | $5,016 |
| 18 | $1,958 | $4,424 |
| 19 | $1,385 | $3,155 |
| 20 | $1,245 | $2,869 |
| 21 | $989 | $2,320 |
| 22 | $904 | $2,130 |
| 23 | $838 | $1,987 |
| 24 | $795 | $1,889 |
| 25 | $698 | $1,673 |
| 26 | $682 | $1,634 |
| 27 | $666 | $1,598 |
| 28 | $654 | $1,573 |
| 29 | $645 | $1,550 |
| 30 | $622 | $1,487 |
| 35 | $606 | $1,436 |
| 40 | $600 | $1,405 |
| 45 | $594 | $1,382 |
| 50 | $579 | $1,336 |
| 55 | $564 | $1,295 |
| 60 | $564 | $1,291 |
| 65 | $601 | $1,353 |
| 70 | $652 | $1,448 |
| 75 | $723 | $1,588 |
| 80 | $818 | $1,768 |
| 85 | $884 | $1,897 |
| 90 | $933 | $1,986 |
Nissan Leaf Insurance Rates Explained
Several factors influence car insurance rates based on driver profiles. However, insurers also consider vehicle-related factors. Below is a breakdown of how your vehicle impacts insurance costs.
Nissan Leaf Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Nissan Leaf
Average Full Coverage Rate
$1,400Premiums for Nissan Leaf are:$104 more
This is 8% more expensive.
Value
The Nissan Leaf's MSRP of $37,330 classifies it as an electric vehicle. This price influences how insurers determine its insurance costs.
Repair costs
The Nissan Leaf's repair cost is $748, below the national average. Factors like part replacement difficulty, labor costs and repair time influence its insurance rates.
Performance
The Nissan Leaf's 0-to-60 time of 7.4 seconds and 147 to 214 horsepower make it a moderate-performance vehicle. Its performance level may result in moderate insurance rates, as insurers often link higher performance with greater risk.
Fuel type
The Nissan Leaf, as an electric vehicle, may have higher insurance costs due to expensive batteries and limited repair shop availability. Insurers factor in its electric design when determining rates.
Vehicle age
Newer Nissan Leaf models usually cost more to insure than older ones. However, collector and classic cars can be exceptions, often with much higher insurance costs.
Safety features
The Nissan Leaf's safety features, such as stability control, airbags and antilock brakes, can qualify it for insurance discounts by reducing accident risks.
Vehicle size
Larger vehicles generally cost more to insure due to increased property damage risks. Weighing 3,900 lbs, the Nissan Leaf is smaller, which may make it less expensive to insure than larger Nissan models.
Trim level
Higher trim levels often include premium upgrades like leather interiors and advanced sound systems, increasing the MSRP. As a result, vehicles with higher trims, such as the Nissan Leaf's premium variants, typically cost more to insure than base models.
Theft rates
Vehicles with a higher theft risk generally have higher insurance costs. The Nissan Leaf has a moderate theft risk, which could result in slightly elevated insurance rates.
Anti-theft features
Vehicles equipped with anti-theft features, like the Nissan Leaf, often qualify for insurance discounts.
Cheapest Nissan Leaf Insurance
GEICO offers the most affordable Nissan Leaf insurance at $490 per year, based on a 40-year-old male driver with a clean record. Below is a breakdown of the cheapest car insurance rates across coverage levels, age groups, driving records, model years and more.
Cheapest Nissan Leaf Insurance by Coverage Level
The coverage level you select greatly impacts your Nissan Leaf insurance rate. GEICO offers the most affordable average minimum and full coverage rates. Below is a breakdown of the cheapest providers for each type.
Cheapest Nissan Leaf Minimum Coverage
State Farm and GEICO offer the cheapest minimum coverage for Nissan Leaf owners at $41 per month. Travelers and Nationwide follow at $44 and $54, respectively.
| USAA | $35 | $421 |
| GEICO | $41 | $490 |
| State Farm | $41 | $492 |
| Travelers | $44 | $530 |
| Nationwide | $54 | $644 |
| Farmers | $56 | $670 |
| Allstate | $60 | $715 |
| Progressive | $61 | $735 |
*GEICO offers non-military-affiliated Nissan Leaf owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Nissan Leaf Insurance Rates by Model Year
Because the above list doesn’t consider the model year, lower rates may be available depending on your car’s age. Filter the table below to find the cheapest minimum coverage rates for each Nissan Leaf production year.
Data filtered by:Results filtered by:
Select
Model Year:2011
| Allstate | $723 | $60 |
| Farmers | $692 | $58 |
| GEICO | $510 | $43 |
| Nationwide | $629 | $52 |
| Progressive | $745 | $62 |
| State Farm | $481 | $40 |
| Travelers | $551 | $46 |
| USAA | $415 | $35 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Nissan Leaf Insurance
GEICO offers the cheapest full coverage for a Nissan Leaf at $95 monthly or $1,144 annually. Explore the list of full coverage car insurance providers and rates below.
| USAA | $91 | $1,093 |
| GEICO | $95 | $1,144 |
| State Farm | $96 | $1,146 |
| Travelers | $98 | $1,178 |
| Nationwide | $117 | $1,410 |
| Farmers | $130 | $1,562 |
| Progressive | $145 | $1,737 |
| Allstate | $146 | $1,755 |
*On average, GEICO is the cheapest insurer for non-military-affiliated Nissan Leaf owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Nissan Leaf Insurance by Age
Younger drivers aged 16 to 25 and seniors aged 55 and up often pay more for Nissan Leaf insurance. Finding the lowest rate is crucial for these groups. Below is a breakdown of the cheapest options by age.
Cheapest Nissan Leaf Insurance for Young Drivers
State Farm offers the cheapest car insurance for young drivers at $90 monthly or $1,077 annually for minimum coverage. Below is the complete list of the most affordable Nissan Leaf insurance rates for drivers aged 16 to 25.
| USAA | $73 | $877 |
| State Farm | $90 | $1,077 |
| Travelers | $91 | $1,096 |
| GEICO | $96 | $1,154 |
| Allstate | $134 | $1,610 |
| Nationwide | $142 | $1,698 |
| Farmers | $147 | $1,768 |
| Progressive | $181 | $2,172 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Nissan Leaf Insurance for Seniors
State Farm offers the cheapest car insurance for seniors 55 and up, starting at $45 monthly or $541 annually. Check the full list of affordable Nissan Leaf insurers below.
| State Farm | $45 | $541 |
| USAA | $47 | $561 |
| GEICO | $48 | $581 |
| Travelers | $53 | $633 |
| Nationwide | $63 | $757 |
| Allstate | $72 | $867 |
| Farmers | $75 | $898 |
| Progressive | $75 | $901 |
Cheapest Nissan Leaf Insurance After an Accident
State Farm, Travelers and GEICO offer Nissan Leaf drivers the cheapest car insurance after an accident. See the complete list below.
| State Farm | $51 | $615 |
| USAA | $53 | $642 |
| Travelers | $62 | $745 |
| GEICO | $64 | $768 |
| Allstate | $82 | $984 |
| Nationwide | $82 | $990 |
| Progressive | $101 | $1,212 |
| Farmers | $111 | $1,335 |
Nissan Leaf Insurance Cost: Bottom Line
Compare rates from different providers regularly to find the most affordable car insurance. This article covers Nissan Leaf insurance costs, highlighting rates across demographic groups and identifying the cheapest providers.
Nissan Leaf Insurance Rates: FAQ
Below are answers to common questions about Nissan Leaf insurance costs, including minimum coverage options and finding affordable plans.
What company has the cheapest car insurance for a Nissan Leaf?
GEICO offers the cheapest insurance for a Nissan Leaf, with an annual minimum coverage rate of $490.
What is the average cost of car insurance for a Nissan Leaf?
The average annual cost of minimum coverage for a Nissan Leaf is $588. Full coverage averages $1,400.
Nissan Leaf Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 4,183 Nissan Leaf insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Nissan Leaf:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Nissan Leaf insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Nissan Leaf.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis also includes average rates for a full coverage policy that includes comprehensive and collision coverage (with a $1,000 deductible) and the following increased liability coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.