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

Insurance rates for a Nissan LEAF are moderate relative to other cars at an average yearly rate of $1,444. Costs may vary based on the driver's age, the insurer and the model year. State Farm offers the lowest average rates.

By Mark Fitzpatrick

Edited by Casie McCoskey

Updated: October 25, 2024

Advertising & Editorial Disclosure

Nissan LEAF insurance costs can be highly age-dependent. For a full coverage policy, a 16-year-old driver of a 2011 model will pay an annual average of $5,856, while a 40-year-old driver will pay an average yearly cost of $1,272. Similarly, a 16-year-old will pay around $7,065 per year for a 2022 model, while a 40-year-old will only pay about $1,555.

Affordability is important but shouldn't be the only factor in choosing insurance. MoneyGeek compared the best Nissan LEAF vehicle insurance companies based on several factors, including pricing, service quality and claims satisfaction.

Car Insurance CostsNissan LEAF

2024

Table of Contents

Cheapest Insurer - State Farm

Best Insurer - Travelers

Runner-Up - State Farm

Costs by Model Year

Costs by Driver Age

Costs by Location

Why Trust MoneyGeek? We collected thousands of car insurance quotes from Quadrant Information Services to analyze the average rates for a Nissan LEAF.

These rates were updated to reflect the average cost of car insurance for a Nissan LEAF as of 2023.

10Companies Compared

35,856Quotes Analyzed

Average Cost and Cheapest Companies for Insuring a Nissan LEAF

The average yearly cost of Nissan LEAF insurance is $1,444. However, this rate may change based on the insurer you choose. At an annual average of $1,143, State Farm's full coverage auto insurance policy is the least expensive. Progressive is the most expensive option at around $1,753 per year. For minimum coverage on your Nissan LEAF, State Farm offers the cheapest plan at about $492 per year, while Progressive's policy costs the most at around $759 per year.

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Age:40

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Coverage:Full Coverage


State Farm	$1,143
GEICO	$1,152
Travelers	$1,156
Nationwide	$1,407
Farmers	$1,594
Allstate	$1,752
Progressive	$1,753

Is a Nissan LEAF Expensive to Insure?

Nissan LEAF insurance rates are average compared to other vehicle models. Its fair value and minimal theft rates help offset the increase in costs that stem from the high repair costs of electric cars. This innovative electric car can be a financially sound investment with the added benefit of green driving. These combined benefits offer a win-win situation for Nissan LEAF drivers.

Best Companies for Insuring a Nissan LEAF

While cost is a crucial factor, it’s also important to examine a provider’s record of providing quality service and claims experience when searching for the best car insurance for your Nissan LEAF. MoneyGeek found the two top-rated insurers for this model are as follows:

Travelers: MoneyGeek score 91 out of 100 ($1,156 per year)
State Farm: MoneyGeek score 90 out of 100 ($1,143 per year)

Travelers is our number one pick for insuring your Nissan LEAF. This company offers excellent customer service and claims management at affordable rates.

MoneyGeek Top Pick: Travelers

pros

Affordable rates for your Nissan LEAF

Rated highly in claims experience and customer service

Offers New Car Replacement coverage and Gap Insurance

cons

Average score in coverage options

Doesn’t offer many valuable coverages, including Original Equipment Manufacturer (OEM) coverage

COMPANY HIGHLIGHTS

While cheaper insurance policies are available for your Nissan LEAF, Travelers triumphs over its competitors with its demonstrated history of keeping policyholders happy with excellent customer care, proficient claims management and affordability. Policyholders who pick this company can expect quick resolution of their claims.

It offers basic coverages such as Roadside Assistance and Rental Car and Travel reimbursement. These add-ons protect you from emergencies by providing quick repair services if your car breaks down or providing you with a rental car if your vehicle is immobile after a covered accident. It also offers Gap Insurance and New Car Replacement, which help protect drivers from depreciation and total loss of their vehicles.

Travelers also offers several discounts, including rewards for safe driving and loyalty to the company. These discounts are helpful for drivers who want to further lower insurance costs on their Nissan LEAF.

Read MoneyGeek's Travelers Auto Insurance Review

MoneyGeek Runner-Up: State Farm

pros

Offers the most affordable policy for your Nissan LEAF

Highly ranked in customer servie

Offers Roadside Assistance and Rental Car and Travel Reimbursement

cons

Below-average score in claims experience

No Gap Insurance or Accident Forgiveness

COMPANY HIGHLIGHTS

State Farm offers the most affordable car insurance policy for your Nissan LEAF. This insurer provides coverages that can protect you when your car breaks down or you get into an accident, including Roadside Assistance and Rental Car and Travel Reimbursement. These add-ons assist you by getting you back on the road as quickly as possible after a covered incident.

State Farm also offers various discounts, ranging from discounts for safe driving to discounts for defense driving courses that can help drivers of different backgrounds to cut back on costs.

Although State Farm performs well in affordability and customer satisfaction, MoneyGeek has found that it falls short in its claims experience score and coverage options. These factors make it second only to Travelers for insuring your Nissan LEAF.

Read MoneyGeek's State Farm Auto Insurance Review

Cost of Insuring a Nissan LEAF by Model Year

The production year of your Nissan LEAF is a crucial factor in calculating average car insurance costs. Generally, insurers charge steeper premiums on newer vehicles due to potentially higher repair and replacement expenses. A 2011 Nissan LEAF with comprehensive coverage will cost about $1,272 annually. In contrast, you’ll likely pay around $1,555 yearly to insure a 2022 Nissan LEAF.

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Age:40

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Coverage:Full Coverage


2022	$1,555
2021	$1,540
2020	$1,497
2019	$1,510
2018	$1,494
2017	$1,413
2016	$1,385
2015	$1,330
2014	$1,285
2013	$1,296
2012	$1,278
2011	$1,272

The average cost of automobile insurance will depend largely on the provider. State Farm's $1,036 yearly premium is the lowest price point for full coverage on a 2011 Nissan LEAF. Travelers’ policy for the 2022 model is the most affordable option, coming in at only $1,247 on average.

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Model Year:2022

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Age:40

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Coverage:Full Coverage


Travelers	$1,247
GEICO	$1,262
State Farm	$1,314
Nationwide	$1,507
Farmers	$1,791
Progressive	$1,952
Allstate	$1,970

Cost of Insuring a Nissan LEAF for 16- to 25-Year-Olds

The driver's age is another important factor for insurance providers. The cost of auto insurance for young drivers is often much higher than for drivers in their 30s and 40s. The annual premium for full coverage may be as high as $6,431 for a 16-year-old driver of a Nissan LEAF but as low as $1,405 for a 40-year-old driver of the same car model. The rates for young drivers go down dramatically as they get more experience behind the wheel before leveling out in their 20s.

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Coverage:Full Coverage


16	$6,431
17	$5,287
18	$4,647
19	$3,208
20	$2,905
21	$2,237
22	$2,068
23	$1,920
24	$1,822
25	$1,639

By shopping around, you may find a policy that covers a teen driver at a price you can afford. At an average annual rate of $4,258, State Farm's full coverage policy for 16-year-olds is the most affordable option for a 2022 Nissan LEAF, while Progressive's premium of $11,276 is the most expensive. These figures are for individual insurance policies. Teens will likely save a lot of money by joining a family plan.

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Age:16

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Model Year:2022

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Coverage:Full Coverage


State Farm	$4,258
Travelers	$5,126
GEICO	$5,875
Nationwide	$6,245
Allstate	$8,603
Farmers	$8,702
Progressive	$11,276

How Does Location Affect the Cost of Nissan LEAF Insurance?

Auto insurance premiums depend on many factors, including the driver's age, the vehicle's model and the year it was manufactured. However, your location may be the most significant single influence. For example, Florida has some of the highest average car insurance premiums, whereas Idaho typically has the lowest. In states where auto insurance is more expensive than average, shopping around for quotes from the cheapest insurers in your area is recommended.

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Age Group:30-59

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Coverage:Full Coverage


Alabama	Nationwide	$709	$59
Alaska	State Farm	$699	$58
Arizona	Root Insurance Company	$682	$57
Arkansas	State Farm	$629	$52
California	AAA California	$1,001	$83
Colorado	American National P&C	$541	$45
Connecticut	GEICO	$693	$58
Delaware	State Farm	$881	$73
District of Columbia	GEICO	$662	$55
Florida	State Farm	$1,058	$88
Georgia	Country Financial	$665	$55
Hawaii	GEICO	$565	$47
Idaho	American National P&C	$299	$25
Illinois	Country Financial	$663	$55
Indiana	American Family	$555	$46
Iowa	State Farm	$509	$42
Kansas	Nationwide	$670	$56
Kentucky	Nationwide	$790	$66
Louisiana	Louisiana Farm Bureau	$1,048	$87
Maine	Concord Group	$521	$43
Maryland	Progressive	$938	$78
Massachusetts	State Farm	$483	$40
Michigan	GEICO	$898	$75
Minnesota	State Farm	$797	$66
Mississippi	Direct General Insurance	$723	$60
Missouri	Nationwide	$909	$76
Montana	Progressive	$437	$36
Nebraska	American National P&C	$405	$34
Nevada	CSAA	$940	$78
New Hampshire	State Farm	$540	$45
New Jersey	Plymouth Rock Assurance	$895	$75
New Mexico	State Farm	$644	$54
New York	Kemper	$781	$65
North Carolina	Erie	$630	$52
North Dakota	American Family	$616	$51
Ohio	Nationwide	$485	$40
Oklahoma	State Farm	$662	$55
Oregon	State Farm	$706	$59
Pennsylvania	Nationwide	$580	$48
Rhode Island	State Farm	$700	$58
South Carolina	American National P&C	$463	$39
South Dakota	Allstate	$746	$62
Tennessee	State Farm	$579	$48
Texas	State Farm	$699	$58
Utah	Nationwide	$725	$60
Vermont	State Farm	$493	$41
Virginia	American Family	$601	$50
Washington	PEMCO	$534	$44
West Virginia	Erie	$784	$65
Wisconsin	GEICO	$556	$46
Wyoming	State Farm	$745	$62

Frequently Asked Questions About Nissan LEAF Insurance

Concerns about pricing and the quality of coverage are common among Nissan LEAF drivers shopping for insurance. We addressed some frequently asked questions below.

What company has the cheapest car insurance for a Nissan LEAF?

Insurance for Nissan LEAF typically costs about $1,444 a year. State Farm offers the lowest average annual rate for Nissan LEAF at just $1,143.

What company offers the best car insurance for a Nissan LEAF?

According to MoneyGeek's analysis, the best auto insurance for a Nissan LEAF is from Travelers, with a MoneyGeek score of 90 out of 100. This affordable provider ranks highly in customer service and claims management experience.

About Mark Fitzpatrick

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

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