Nissan Leaf Insurance
And how to get the lowest premiums without sacrificing coverage
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Rachel Morey is a journalist specializing in making complicated personal finance and insurance subjects easy to understand. She has been writing professionally for nearly a decade and has projects in print, broadcasting, and online. A native Iowan, Rachel has a special fondness for the open roads of rural America.
Many things contribute to your Nissan Leaf car insurance rates. Talking with a local independent insurance agent is the easiest way to get multiple quotes from trustworthy insurance companies.
Don't settle for a generic online quote engine's idea of good insurance. Your agent can make recommendations specific to your situation so you'll get the best possible coverage at the lowest rate for your electric vehicle.
Not sure where to find an independent insurance agent in your area?
TrustedChoice.com has a find-an-agent tool that can match you with a local independent insurance agent who will walk you through your options and help you find the best possible coverage for your Nissan Leaf.
What Kind of Insurance Do You Need for Your Nissan Leaf?
Bodily injury liability: If you cause an accident and someone else is hurt, bodily injury liability insurance will pay for costs associated with medical care and recovery for that person.
Property damage liability: In many places, property damage liability insurance is required by law. Even so, consider purchasing more than the minimum amount. You'll have to pay for damage you cause that exceed the limits of your policy.
Medical payments/Personal injury protection: Laws differ from one state to the next, so talk with your agent to understand your options where personal injury protection and medical payments insurance is concerned. In some states, this type of insurance is mandatory. If you are in an accident, this policy may pay for costs related to physical recovery for you and your passengers.
Uninsured motorist coverage: Not every driver has the right amount of insurance coverage. Even if it's illegal to drive without liability insurance, many people take the chance. Uninsured and underinsured motorist coverage is an extra layer of protection that pays for repairs to your vehicle if you are in an accident with someone without insurance who can't pay the costs on their own.
Optional Coverage
Collision: Collision insurance coverage pays to repair or replace your Nissan if you hit something or are in an accident with another car. This type of coverage isn't right for everyone, so talk with your agent about the pros and cons of including collision coverage on an older Nissan Leaf.
Comprehensive: If you are in an accident caused by an animal in the road or are a victim of vandalism, you'll need comprehensive insurance coverage to get your repair bill paid for. The insurance company will handle the cost of repairing or replacing your Nissan, minus your deductible, up to its fair market value for covered incidents.
Glass coverage: You can't put off replacing a windshield without risking a ticket, but the cost can be hard to stomach. It's often less than your deductible, but still expensive enough that it's worth considering adding glass coverage to your policy.
Gap insurance: If you think you owe more on your car than its market value and you didn't buy gap insurance at the dealership where you purchased your new Nissan, talk with your agent about how this type of insurance could help you. Without it, you could be responsible for paying off your loan or lease if your are in an accident that the insurance company deems a "total loss."
What Affects the Cost of Insurance for Your Nissan Leaf?
| Annual mileage |
| If you drive more than the average of 10,000 to 15,000 miles each year, expect to pay slightly higher premiums for auto insurance on your Nissan Leaf. |
| Your driving record |
| If you have a spotless driving record, you'll pay a lower insurance rate than drivers with at-fault accidents or moving violations. |
| The value of your vehicle |
| 2020 Nissan Leaf prices start at about $36,000. That's about average for this class of vehicle. |
Average Nissan Leaf Insurance Costs
The average 40-year-old Nissan Leaf driver pays $1,580 annually for full coverage auto insurance. This includes collision and comprehensive coverage. Liability-only insurance rates drop down to an average of just $362 per year. New drivers who are just 16 years old pay average rates that are much higher at $5,744 per year. Your rates may vary greatly from these averages. Your agent can help you understand the factors that heavily influence your Nissan Leaf insurance premiums.
The Safety of Your Nissan Leaf
The National Highway Traffic Safety Administration (NHTSA) gave the 2020 Nissan Leaf four-door hatchback its highest rating for crashworthiness. The 2018 Nissan Leaf underwent a redesign. This plug-in battery electric car does not require gasoline or diesel fuel to power the vehicle.
The 2020 models have additional knee airbags for the front passenger and driver. Safety belts modifications and additional reinforcements to the side and front of the vehicle's structure improved crash protection for the driver and passengers.
The 2021 Nissan Leaf provides the following standard safety equipment.
- Automatic Emergency Braking with Pedestrian Detection
- 2 rear seating positions with complete child seat attachment (LATCH) hardware
- Electronic Brake force Distribution (EBD)
- Nissan ProPILOT Assist
- STANDARD SAFETY SHIELD® 360
- Rear Cross Traffic Alert
- Automatic Emergency Braking with Pedestrian Detection
- Intelligent Lane Intervention
- Intelligent Blind Spot Intervention
How Location Affects Your Nissan Leaf Insurance
Because your location has such a dramatic effect on your car insurance premiums, it's crucial to get a personalized quote from your agent. Here's how average Nissan Leaf full coverage insurance rates for a 40-year-old driver with a good driving record and a $500 deductible vary from one place to the next.
| Los Angeles, CA | Chicago, IL | Columbus, OH |
| $2,703 | $2,120 | $1,319 |
Additional Factors That Affect Your Nissan Leaf Insurance Premiums
- Safety features like anti-theft devices
- Age
- Gender
- Deductible
- Credit
Average Cost to Insure a Nissan Leaf
| Average annual cost to insure a Nissan Leaf with full coverage | $1,332 |
| Teens | $5,744 |
| High-risk drivers | $3,424 |
| High deductibles | $1,342 |
| Low deductibles | $2,044 |
| Top three most expensive states for Nissan Leaf insurance | |
| Michigan, New York, and Louisiana | $2,260 |
| Top three most affordable states for Nissan Leaf insurance | |
| Missouri, New Hampshire, and Vermont | $1,210 |
Top Independent Insurance Carriers That Insure the Nissan Leaf
According to a recent US Independent Insurance Agent Satisfaction Study by JD Power, the following companies provide excellent service to their insurance customers.
- Progressive
- Safeco
- Travelers
- Auto-Owners Insurance
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Where to Find Car Insurance for Nissan Leaf
If you have a Leaf charging in your garage or are thinking of purchasing an electric vehicle, a TrustedChoice.com agent can help you find a perfect policy.
Your independent insurance agent can help you get the auto insurance you need for your Nissan Leaf. With the help of the TrustedChoice.com find-an-agent tool, you can get in touch with an agent right away. Get started by using TrustedChoice.com to locate an independent insurance agent in your area, today.
IIHS, Consumer Reports, Quote Inspector, iii.org, JD Power, Car and Driver