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
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. 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 costs. No specific annual repair cost figure is available in the source. The Leaf has fewer mechanical components than a combustion engine vehicle, which generally keeps maintenance costs below comparable gas-powered models, but battery replacement and specialized service add costs that vary by model year and market.
- Trim, features and accessories. The Leaf's power output ranges from 147 to 214 horsepower depending on model. Higher-output variants carry more expensive parts and a higher accident risk profile, both of which push premiums up.
- Driver profile. Leaf drivers tend to fall between ages 40 and 50, which is a bracket insurers treat as lower risk. Younger drivers pay more regardless of the vehicle. Read more about the costs of Nissan Leaf models for young drivers.
Nissan Leaf Insurance Cost by State
Wyoming drivers pay $34 a month for minimum coverage on a Nissan Leaf. Louisiana drivers pay $175. That gap comes from state-level differences in claims frequency, litigation rates and insurance regulations, not the vehicle.
| 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.
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
Coverage needs depend on how you own the Leaf. Paid off: state minimum liability plus comprehensive and collision at a $1,000 deductible is the baseline. Financed or leased: lenders require 100/300/100 liability limits, comprehensive and collision at a $500 deductible and gap insurance.
If you own outright and want higher liability limits, 100/300/100 with a $500 deductible is the step up.
- 2Know what you should be paying
Average auto insurance costs for electric vehicles give you a baseline before you start getting quotes. Without that reference point, an above-market quote looks normal. Our data on the cheapest car insurance companies shows which carriers price low for Leaf drivers specifically.
- 3Check insurer quality, not just price
A low quote from an insurer with poor claims handling isn't a deal. Before committing, check J.D. Power satisfaction ratings, AM Best financial stability scores and BBB complaint records. Forum discussions on claims handling surface problems that don't appear in formal ratings. Our guide to the best car insurance companies covers all of those factors together.
- 4Find every discount you qualify for
Nissan Leaf owners commonly qualify for safety feature discounts, good driver credits, bundling savings and eco-friendly vehicle discounts. The full list of car insurance discounts shows what's available and which ones stack.
- 5Consider usage-based insurance
Progressive Snapshot and Allstate Drivewise monitor acceleration, braking and mileage, then price the policy on actual driving behavior. Leaf drivers tend to log lower annual mileage than average, which makes pay-per-mile programs worth comparing against standard rates.
- 6Pull quotes once a year
Insurers don't flag when competitors drop their rates. Comparing quotes at each renewal catches pricing shifts before they compound. The EV insurance market is still developing, and more carriers have entered it in recent years, so annual shopping is more likely to turn up a better rate than it would for a standard vehicle.
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?
Driving record, credit score and coverage level are the primary variables. On the vehicle side, the Leaf's reduced mechanical complexity keeps routine repair costs below comparable gas-powered models. Strong safety ratings add to that. Battery replacement and specialized service are the main cost unknowns that vary by model year.
How can I lower Nissan Leaf insurance costs?
Start with quotes from at least three insurers. Stack every discount you qualify for: good driver, eco-friendly vehicle credits and bundling home or renters insurance are the highest-value options. Usage-based programs are particularly worth considering for Leaf drivers who log low annual mileage.
How We Determined Nissan Leaf Insurance Costs
Nissan Leaf cost estimates are drawn from hundreds of millions of quote estimates for U.S. models sold from 2000 to 2025. Data are from Quadrant Information Services. Rates reflect a 40-year-old unmarried male driver with a clean record, no prior claims, a good credit score, a valid license with no suspensions and 12,000 miles driven annually.
Coverage definitions. Minimum coverage reflects state-required liability limits. Full coverage is 100/300/100 liability plus comprehensive and collision with $1,000 deductibles.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.