Newer Nissan Leaf models cost more to insure than older ones due to their higher market values. You’ll pay about $200 monthly for a 2025 Leaf compared to roughly $94 for older models.
Nissan Leaf Insurance Cost
Updated: January 21, 2026
Key Takeaways
GEICO offers the most affordable Nissan Leaf insurance on average, though full coverage costs vary by model year and insurer, averaging about $171 monthly nationwide. Â Read more.
Hatchbacks often cost less to insure due to lower repair costs and better fuel efficiency, and the Leaf ranks 28th out of 52 hatchbacks for affordability, placing it in the middle tier for its vehicle type. Read more.
Your Leaf's specific model year makes a huge difference in insurance rates, especially with teen drivers on your policy, so checking model-specific costs provides the most accurate quotes. Read MoneyGeek's analysis of rates by company for specific Leaf model years depending on the age of the drivers.
How Much Is Nissan Leaf Insurance?
Looking for another Nissan model? Read more about the cost of Nissan car insurance models.
Insurance rates depend on model year and insurer. Nissan Leaf minimum coverage costs go from $61 monthly with GEICO to $148 with UAIC, while full coverage spans $129 monthly with Travelers to $299 with AIG.
The differences (more than $87 for minimum coverage and $170 for full coverage) highlight why comparing insurers matters for Leaf owners. Each company calculates model-specific risk differently, which impacts your final rate.
| AAA | $102 | $211 |
| AIG | $123 | $299 |
| Allstate | $119 | $229 |
| Amica | $107 | $220 |
| Chubb | $106 | $209 |
| Farmers | $126 | $223 |
| Geico | $61 | $131 |
| Kemper | $88 | $177 |
| Nationwide | $96 | $165 |
| Progressive | $97 | $182 |
| State Farm | $79 | $162 |
| The Hartford | $103 | $175 |
| Travelers | $70 | $129 |
| UAIC | $148 | $184 |
Is Nissan Leaf Expensive to Insure?
MoneyGeek's analysis of 52 hatchbacks shows the Nissan Leaf ranks 28th for insurance affordability, with 27 vehicles costing less to insure. The Leaf costs a few dollars more per month than a Mitsubishi i-Miev but runs slightly cheaper than a Mazda 6.
Among all 827 vehicles analyzed, the Leaf ranks 350th, placing it in the top half for affordability. The Saab 9-3 is the cheapest hatchback to insure, while the Cadillac Celestiq has the highest premiums in this category.
| Scion xD | $127 | 25 |
| Toyota Prius | $127 | 26 |
| Mitsubishi i-Miev | $129 | 27 |
| Nissan Leaf | $130 | 28 |
| Mazda 6 | $132 | 29 |
| Scion iM | $132 | 30 |
| Volkswagen Golf | $134 | 31 |
Your Nissan Leaf insurance costs depend on:
- Average repair or replacement costs: The Nissan Leaf's maintenance expenses remain relatively manageable compared to other electric vehicles, though specific repair costs vary by model year and local service availability.
- Vehicle trim, features and accessories: Higher performance trims with increased horsepower (ranging from 147 to 214 depending on the model) usually result in higher insurance premiums. More powerful variants cost more to insure due to enhanced performance capabilities.
- Driver profile: Most Nissan Leaf drivers fall into the 40 to 50 age range, which generally leads to lower insurance rates due to responsible driving patterns. However, the vehicle's performance reputation can attract risk-taking behaviors that concern insurers. Read more about the costs of Nissan Leaf models for young drivers.
Nissan Leaf Insurance Cost by State
Car insurance for a Nissan Leaf costs anywhere from $34 per month in Wyoming to $175 in Louisiana for minimum coverage. These price differences reflect your state's risk characteristics and insurance regulations rather than anything about the electric vehicle itself.
| 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 Costs by Model Year and Insurance Company
Model year influences your Nissan Leaf insurance costs, along with driver age on your policy. Interestingly, a 2016 Nissan Leaf costs an average of $258 monthly for full coverage, while a newer 2025 model costs $227 for drivers aged 35 to 55.Â
Teen and young adult drivers pay higher premiums regardless of the model year they're insuring. GEICO consistently offers the cheapest rates across all Nissan Leaf model years. Shopping between insurers could save you hundreds of dollars monthly compared to average rates.
Recent model years:
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Nissan Leaf
| Geico | $67 | $145 |
| Travelers | $76 | $141 |
| Kemper | $92 | $187 |
| National General | $94 | $193 |
| State Farm | $102 | $213 |
| Nationwide | $103 | $178 |
| Progressive | $104 | $195 |
| The Hartford | $111 | $190 |
| AAA | $125 | $259 |
| Allstate | $134 | $258 |
| Chubb | $142 | $285 |
| Amica | $142 | $292 |
| AIG | $150 | $369 |
| Farmers | $159 | $283 |
| UAIC | $167 | $211 |
Cost of Car Insurance for 2024 Nissan Leaf
| Geico | $66 | $142 |
| Travelers | $75 | $138 |
| Kemper | $90 | $183 |
| National General | $93 | $190 |
| State Farm | $101 | $209 |
| Nationwide | $101 | $175 |
| Progressive | $102 | $191 |
| The Hartford | $109 | $186 |
| AAA | $123 | $255 |
| Allstate | $131 | $253 |
| Chubb | $139 | $280 |
| Amica | $140 | $287 |
| AIG | $147 | $363 |
| Farmers | $156 | $278 |
| UAIC | $164 | $207 |
Cost of Car Insurance for 2023 Nissan Leaf
| Geico | $38 | $82 |
| Travelers | $43 | $80 |
| Kemper | $52 | $106 |
| National General | $53 | $110 |
| State Farm | $58 | $121 |
| Nationwide | $58 | $101 |
| Progressive | $59 | $110 |
| The Hartford | $63 | $108 |
| AAA | $71 | $147 |
| Allstate | $76 | $146 |
| Chubb | $80 | $161 |
| Amica | $81 | $166 |
| AIG | $85 | $209 |
| Farmers | $90 | $160 |
| UAIC | $95 | $119 |
Cost of Car Insurance for 2022 Nissan Leaf
| Geico | $36 | $77 |
| Travelers | $41 | $75 |
| Kemper | $49 | $100 |
| National General | $50 | $103 |
| State Farm | $55 | $114 |
| Nationwide | $55 | $95 |
| Progressive | $56 | $104 |
| The Hartford | $59 | $101 |
| AAA | $67 | $139 |
| Allstate | $71 | $138 |
| Chubb | $76 | $152 |
| Amica | $76 | $156 |
| AIG | $80 | $197 |
| Farmers | $85 | $151 |
| UAIC | $89 | $113 |
Cost of Car Insurance for 2021 Nissan Leaf
| Geico | $31 | $68 |
| Travelers | $36 | $66 |
| Kemper | $43 | $88 |
| National General | $44 | $91 |
| State Farm | $48 | $100 |
| Nationwide | $48 | $84 |
| Progressive | $49 | $91 |
| The Hartford | $52 | $89 |
| AAA | $59 | $122 |
| Allstate | $63 | $121 |
| Chubb | $67 | $134 |
| Amica | $67 | $137 |
| AIG | $70 | $173 |
| Farmers | $75 | $133 |
| UAIC | $78 | $99 |
Cost of Car Insurance for 2020 Nissan Leaf
| National General | $58 | $118 |
| Geico | $61 | $131 |
| Travelers | $71 | $130 |
| State Farm | $73 | $152 |
| Kemper | $91 | $183 |
| Progressive | $92 | $172 |
| AAA | $93 | $191 |
| Amica | $93 | $191 |
| Nationwide | $94 | $161 |
| The Hartford | $98 | $167 |
| Allstate | $104 | $200 |
| Chubb | $107 | $208 |
| AIG | $114 | $279 |
| Farmers | $121 | $213 |
| UAIC | $145 | $180 |
Cost of Car Insurance for 2019 Nissan Leaf
| National General | $54 | $111 |
| Geico | $57 | $122 |
| Travelers | $67 | $122 |
| State Farm | $69 | $142 |
| Progressive | $84 | $157 |
| Amica | $87 | $177 |
| AAA | $87 | $180 |
| Kemper | $88 | $177 |
| Nationwide | $89 | $154 |
| The Hartford | $91 | $155 |
| Allstate | $96 | $185 |
| Chubb | $101 | $197 |
| AIG | $109 | $269 |
| Farmers | $111 | $195 |
| UAIC | $138 | $172 |
Cost of Car Insurance for 2018 Nissan Leaf
| Geico | $56 | $121 |
| National General | $61 | $125 |
| Kemper | $68 | $138 |
| Travelers | $70 | $129 |
| State Farm | $75 | $157 |
| Nationwide | $80 | $138 |
| Progressive | $83 | $154 |
| The Hartford | $83 | $142 |
| AAA | $86 | $177 |
| Chubb | $97 | $190 |
| Amica | $98 | $200 |
| AIG | $100 | $239 |
| Allstate | $105 | $203 |
| Farmers | $109 | $191 |
| UAIC | $134 | $166 |
Cost of Car Insurance for 2017 Nissan Leaf
| Geico | $106 | $229 |
| National General | $116 | $237 |
| Travelers | $121 | $222 |
| State Farm | $129 | $266 |
| Kemper | $155 | $314 |
| Chubb | $166 | $328 |
| Nationwide | $171 | $294 |
| AAA | $177 | $366 |
| Progressive | $177 | $332 |
| Amica | $181 | $371 |
| The Hartford | $187 | $318 |
| Farmers | $212 | $374 |
| AIG | $213 | $512 |
| Allstate | $217 | $417 |
| UAIC | $258 | $318 |
Cost of Car Insurance for 2016 Nissan Leaf
| Geico | $84 | $180 |
| National General | $91 | $187 |
| Travelers | $95 | $175 |
| State Farm | $102 | $210 |
| Kemper | $122 | $248 |
| Chubb | $131 | $259 |
| Nationwide | $135 | $232 |
| AAA | $140 | $288 |
| Progressive | $140 | $262 |
| Amica | $143 | $292 |
| The Hartford | $147 | $251 |
| Farmers | $167 | $295 |
| AIG | $168 | $404 |
| Allstate | $171 | $329 |
| UAIC | $203 | $251 |
Nissan Leaf Insurance Cost by Trim
Insurance costs for your Nissan Leaf range from $65 monthly for minimum coverage on basic SV Plus Hatchback 4D models to $298 for full coverage on high-performance S-30 Hatchback 4D variants. Performance features, rarity and market value determine where each trim falls in this range.
| 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 |
How to Lower the Cost of Nissan Leaf Insurance
These tips help you find better rates on your Nissan Leaf insurance:
- 1Choose the Right Coverage
You'll need to figure out how much coverage to buy for your Nissan Leaf. Own your electric vehicle? Get your state's minimum liability requirements plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research Costs and Cheap Companies
Learn what you should pay by researching average auto insurance costs for electric vehicles. This benchmark assists with shopping for the cheapest car insurance companies with competitive rates. Understanding typical costs for eco-friendly vehicles in markets like Silicon Valley helps you negotiate better deals and avoid overpaying for coverage.
- 3Look for More than Just Low Rates
Finding quality car insurance means evaluating insurers beyond price alone. Check J.D. Power satisfaction ratings, examine forum discussions about claims handling, review Better Business Bureau records and confirm AM Best financial ratings. Budget options could provide limited coverage or slower service, especially important for specialized electric vehicle repairs in areas like Austin's tech corridor.
- 4Explore Discounts You Qualify For
Discover car insurance discounts that apply to your situation. Nissan Leaf owners often get safety features discounts, good driver rewards, bundling savings and eco-friendly vehicle discounts. Many insurers in environmentally conscious markets like Portland offer additional green vehicle incentives. Multi-policy bundling and defensive driving course completion can stack these savings for maximum premium reduction.
- 5Consider Alternative Car Insurance Types
Nissan Leaf owners might benefit from usage-based insurance programs such as Progressive Snapshot or Allstate Drivewise that track safe driving habits and deliver premium reductions. Electric vehicle owners usually drive shorter distances, making pay-per-mile options attractive. These telematics programs monitor acceleration, braking and cornering to reward careful driving with lower rates.
- 6Check Rates Every Year
Obtain car insurance quotes from multiple companies annually. Your insurer doesn't notify you when competitors lower prices, so yearly comparisons might save up to 24% on your Nissan Leaf insurance. Electric vehicle insurance markets evolve rapidly as more insurers enter the space, especially in EV-friendly regions like Denver's green energy corridor, creating new opportunities for savings.
Nissan Leaf Insurance Cost: Bottom Line
Nissan Leaf insurance runs average in cost, but you can still get decent rates. Compare quotes from multiple insurers and explore available discounts to find your best pricing.
Nissan Leaf Insurance Rates: FAQ
What is the average cost of car insurance for a Nissan Leaf?
Nissan Leaf insurance costs $1,063 annually for state minimum coverage and $2,056 for full coverage. These rates make the Leaf relatively affordable to insure compared to national averages.
What company has the cheapest car insurance for a Nissan Leaf?
GEICO provides the most affordable minimum coverage for a Nissan Leaf at $732 annually. Travelers offers the best value for full coverage at $1,548 per year.
Are Nissan Leafs expensive to insure?
No, Nissan Leaf insurance is not expensive compared to most vehicles. Among hatchbacks, this model ranks 28th out of 52 for affordability, while placing 350th out of 827 total vehicles we track.
What factors affect insurance costs for Nissan Leafs?
Multiple factors affect Nissan Leaf insurance costs, though they're generally favorable for drivers. Lower repair costs from fewer mechanical parts and strong safety ratings help reduce premiums. Your driving record, credit score and coverage choices remain the biggest determinants of your final rate.
How can I lower Nissan Leaf insurance costs?
Compare quotes from multiple insurers since Nissan Leaf costs differ between companies, and explore usage-based programs that monitor your driving behavior. Claim available discounts, bundle with home or renters insurance and maintain a clean driving record to get better rates.
How We Determined Nissan Leaf Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Nissan Leaf insurance costs.
Who We Based These Rates On
These Nissan Leaf rates reflect what an average 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. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.