Nissan Leaf Car Insurance Explained: A 2025 Guide

How much does Nissan Leaf insurance cost? We compared average rates for the S, SV, and SL trim levels to see how insurance prices for the Leaf compared to the rest of the compact car market.

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How much does Nissan Leaf insurance cost?

Car insurance for a Nissan Leaf costs an average of $2,052 a year for full coverage. Monthly insurance cost for the Leaf ranges from $164 to $179, depending on the trim level.

Plan on paying around $263 less annually to insure a Nissan Leaf compared to the average rate for the compact car segment, and $169 less per year than the $2,221 average for all vehicles.

The chart below shows how average Nissan Leaf car insurance cost varies based on the age of the driver and different policy deductibles. The cost estimates vary from a low of $1,460 per year for a driver age 60 with a $1,000 policy deductible to the highest rate of $4,586 each year for a driver age 20 with $250 deductibles.

Average 2024 Nissan Leaf car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2024 Nissan Leaf car insurance premiums for different driver ages and policy deductibles. Rates updated on June 27, 2025.

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Data Methodology: Average premiums are based on a 2024 model year Nissan Leaf. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels.

2024 Nissan Leaf Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$3,442$287
$500$4,000$333
$250$4,586$382
30-Year-Old$1,000$1,850$154
$500$2,180$182
$250$2,518$210
40-Year-Old$1,000$1,750$146
$500$2,052$171
$250$2,364$197
50-Year-Old$1,000$1,568$131
$500$1,830$153
$250$2,102$175
60-Year-Old$1,000$1,460$122
$500$1,704$142
$250$1,956$163

Data Methodology: Rated driver has no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for the 2024 Nissan Leaf. Updated June 27, 2025

To help you understand the vast range of Leaf insurance rates, think about the fact that a liability-only policy for a Nissan Leaf in the most affordable parts of Vermont or Virginia costs as little as $212 a year, while a newly-licensed teenage driver with an accident or two in specific Pennsylvania zip codes might be as much as $14,500 a year for full coverage.

Which Nissan Leaf car insurance is cheapest?

The cheapest trim level of Nissan Leaf to insure is the S at an estimated $1,964 per year. The SV Plus follows at $2,142 per year.

The table below shows average car insurance rates for each 2024 Nissan Leaf model trim level.

2024 Nissan Leaf Insurance Rates by Trim Level
2024 Nissan Leaf Trim Level Annual Premium Cost Per Month
S$1,964$164
SV Plus$2,142$179

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated June 27, 2025

Insurance cost by trim level for a 2024 Nissan Leaf ranging from the S model at $1,964 per year to the SV Plus model at $2,142
Insurance cost by trim level for a 2024 Nissan Leaf ranging from the S model at $1,964 per year to the SV Plus model at $2,142

Is Nissan Leaf insurance cheap?

The Nissan Leaf ranks second out of 15 total comparison vehicles in the 2024 small car category for auto insurance affordability. The Leaf costs an average of $2,052 per year for full coverage car insurance, while the class median average cost is $2,315 annually, a difference of $263 per year.

When compared to other compact cars, insurance for a Nissan Leaf costs $22 less per year than the Honda Civic, $230 less than the Toyota Corolla, $94 less than the Nissan Sentra, and $490 less than the Hyundai Elantra.

The chart below shows how average Nissan Leaf car insurance rates compare to the most popular compact cars in America for the 2024 model year. Additionally, a more comprehensive table is included after the chart that details average insurance rates for all 15 vehicles in the small car class.

Average 2024 Nissan Leaf car insurance premium compared to other small car models.
Figure 2: Average 2024 Nissan Leaf car insurance premium compared to other small car models. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Nissan Leaf. Rated driver is a 40-year-old married male driver with a clean driving record and no at-fault accidents. Average premium includes all Nissan Leaf trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

Nissan Leaf Insurance Cost Compared to All Small Cars
Rank Make and Model Annual Premium Difference
1Toyota GR Corolla$2,034-$18
2Nissan Leaf$2,052--
3Honda Civic$2,074$22
4Nissan Sentra$2,146$94
5Subaru Impreza$2,154$102
6Toyota Prius$2,188$136
7Toyota Corolla$2,282$230
8Kia Forte$2,288$236
9Nissan Versa$2,310$258
10Mitsubishi Mirage G4$2,364$312
11Volkswagen Jetta$2,370$318
12Mazda 3$2,424$372
13Hyundai Elantra$2,542$490
14Volkswagen Golf$2,586$534
15Toyota Mirai$2,916$864

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2024 model year. Updated June 26, 2025

How much is insurance on a used Nissan Leaf?

Skipping the new 2024 model and instead driving a 2013 Nissan Leaf can reduce your insurance bill by as much as $958 each year. Even a 2017 model is $186 cheaper to insure than new.

The following table shows average insurance policy premiums for a Nissan Leaf for a range of driver age groups and the 2010 to 2024 model years. Average insurance cost ranges from below $780 for a 60-year-old driver rated on a 2010 Nissan Leaf to the most expensive price of $4,000 for a 20-year-old with a 2024 Nissan Leaf.

Nissan Leaf Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2024 Nissan Leaf$4,000$2,052$1,704
2023 Nissan Leaf$4,606$2,294$1,904
2022 Nissan Leaf$4,592$2,284$1,894
2021 Nissan Leaf$4,386$2,190$1,820
2020 Nissan Leaf$4,258$2,128$1,766
2018 Nissan Leaf$3,782$1,886$1,578
2017 Nissan Leaf$3,742$1,866$1,562
2016 Nissan Leaf$3,266$1,642$1,372
2015 Nissan Leaf$3,064$1,534$1,294
2014 Nissan Leaf$2,788$1,396$1,168
2013 Nissan Leaf$2,134$1,094$920
2012 Nissan Leaf$2,091$1,072$902
2011 Nissan Leaf$2,049$1,051$884
2010 Nissan Leaf$2,009$1,030$866

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Nissan Leaf trim levels for each model year. Updated June 26, 2025

Average insurance rates for 2010 to 2024 Nissan Leaf models for drivers age 20, 40 and 60
Average insurance rates for 2010 to 2024 Nissan Leaf models for drivers age 20, 40 and 60

Some additional example rates and ways to keep cost down are included below.

  • Get a discount from your occupation. Some car insurance companies offer policy discounts for specific occupations like architects, police officers and law enforcement, emergency medical technicians, lawyers, scientists, nurses, and others. By qualifying for an occupational discount, you could save between $62 and $228 on your insurance premium, depending on the coverage levels.
  • Rates tend to decrease as driver age increases. The difference in Leaf insurance cost between a 60-year-old driver ($1,704 per year) and a 30-year-old driver ($2,180 per year) is $476, or a savings of 24.5%.
  • Good credit equals better rates. Drivers who maintain a credit score over 800 may see savings of $322 per year over a lower credit score of 670-739. Conversely, a weak credit score could cost as much as $373 more per year.
  • Obey driving laws to keep insurance cost low. To pay the cheapest price for Leaf insurance, it’s necessary to follow the law. Just a few minor infractions on your motor vehicle report could end up increasing the cost of a policy by as much as $526 per year. Major misdemeanors such as DUI or reckless driving could raise rates by an additional $1,816 or more.
  • Careless drivers spend more for insurance. Causing frequent accidents will increase insurance cost, potentially by an additional $954 per year for a 30-year-old driver and even $602 per year for a 50-year-old driver.
  • High-risk drivers pay much more for Leaf insurance. For a 20-year-old driver, the need to buy a high-risk policy could raise rates by $3,066 or more per year.