Estimates, not quotes

Nissan Leaf Insurance Cost

Full coverage for a Nissan Leaf costs about $1,465 a year ($122/month) by our estimate — ▼ −8% versus the average vehicle, ranking 72nd cheapest of 310 current models.

Nissan Leaf exterior (photo from Wikimedia Commons)
Photo: Alexander Migl, CC BY-SA 4.0
These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Nissan Leaf insurance cost at a glance

Full coverage
$1,465
$122/mo · $1,205–$1,730
Minimum liability
$615
$51/mo
Segment
Compact car
Electric
HLDI collision losses
96
Average (100 = avg)
NHTSA overall
★★★★★
2025 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2026 model year. Our vehicle data covers the 2011–2026 model years of the Nissan Leaf.

Estimated Nissan Leaf premium by coverage level (national average rates)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $615 $51 $505–$725
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $890 $74 $730–$1,055
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,465 $122 $1,205–$1,730

What drives the cost of insuring a Nissan Leaf

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Nissan Leaf's results put our vehicle factor at 1.00× for liability, 0.98× for collision and 0.63× for comprehensive.

HLDI relative insurance losses — Nissan Leaf electric (Small Four-door cars)
CoverageIndexRatingWhat it measures
Collision96AverageDamage to this car in crashes; driven by repair costs and crash frequency
Comprehensive57Much better than averageTheft, vandalism, glass, weather and animal damage
Property damage liability104AverageDamage this car does to other vehicles and property
Bodily injury liability97AverageInjuries to people in other vehicles (claim frequency)
Personal injury protection93Better than averageInjuries to occupants of this car (claim frequency)
Medical payments91Better than averageInjuries to occupants of this car (claim frequency)
  • Repair and parts costs: Compact car — mainstream parts availability keeps repairs moderate.
  • Electric drivetrain: battery packs, high-voltage systems and specialized repair shops make EV collision claims more expensive on average; comprehensive can be lower if theft is rare.
  • Safety: 5-star NHTSA overall rating (frontal 4★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
  • Recalls & complaints: 2 NHTSA recall campaigns and 14 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Nissan Leaf trims and configurations (2026)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

ConfigurationDriveEngineMPGe (comb.)Range
LEAF 75kWh (18 inch alloy Wheels)FWDElectric114288 mi
LEAF 75kWh (18 inch steel Wheels)FWDElectric121303 mi
LEAF 75kWh (19 inch Wheels)FWDElectric103259 mi

Nissan Leaf insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model yearEnginesDriveMPGeEst. full / yr
2026ElectricFWD—$1,465
2025ElectricFWD—$1,440
2024ElectricFWD—$1,415
2023ElectricFWD—$1,385
2022ElectricFWD—$1,360
2021ElectricFWD—$1,330
2020ElectricFWD—$1,305
2019ElectricFWD—$1,275
2018ElectricFWD—$1,250
2017ElectricFWD—$1,225
2016ElectricFWD—$1,195
2015ElectricFWD—$1,195
2014ElectricFWD—$1,195
2013ElectricFWD—$1,195
2012ElectricFWD—$1,195
2011ElectricFWD—$1,195

Nissan Leaf insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Leaf page for that state.

StateFull coverageMinimumvs. nationalLeaf page
Alabama$1,265$480−14%Leaf in AL
Alaska$1,290$625−12%Leaf in AK
Arizona$1,530$660+4%Leaf in AZ
Arkansas$1,260$450−14%Leaf in AR
California$1,455$575−1%Leaf in CA
Colorado$1,610$655+10%Leaf in CO
Connecticut$1,585$715+8%Leaf in CT
Delaware$1,670$805+14%Leaf in DE
District of Columbia$1,855$745+27%Leaf in DC
Florida$2,145$1,080+46%Leaf in FL
Georgia$1,845$875+26%Leaf in GA
Hawaii$1,020$435−30%Leaf in HI
Idaho$990$400−32%Leaf in ID
Illinois$1,265$500−14%Leaf in IL
Indiana$1,035$405−29%Leaf in IN
Iowa$945$310−35%Leaf in IA
Kansas$1,120$405−24%Leaf in KS
Kentucky$1,230$530−16%Leaf in KY
Louisiana$2,025$795+38%Leaf in LA
Maine$925$425−37%Leaf in ME
Maryland$1,660$755+13%Leaf in MD
Massachusetts$1,455$595−1%Leaf in MA
Michigan$1,600$770+9%Leaf in MI
Minnesota$1,185$470−19%Leaf in MN
Mississippi$1,375$530−6%Leaf in MS
Missouri$1,300$515−11%Leaf in MO
Montana$1,115$395−24%Leaf in MT
Nebraska$1,125$405−23%Leaf in NE
Nevada$1,735$870+18%Leaf in NV
New Hampshire$1,045$405−29%Leaf in NH
New Jersey$1,810$940+24%Leaf in NJ
New Mexico$1,300$520−11%Leaf in NM
New York$2,000$930+37%Leaf in NY
North Carolina$1,080$450−26%Leaf in NC
North Dakota$885$275−40%Leaf in ND
Ohio$1,040$405−29%Leaf in OH
Oklahoma$1,280$475−13%Leaf in OK
Oregon$1,335$630−9%Leaf in OR
Pennsylvania$1,265$425−14%Leaf in PA
Rhode Island$1,805$820+23%Leaf in RI
South Carolina$1,575$735+8%Leaf in SC
South Dakota$1,025$315−30%Leaf in SD
Tennessee$1,205$455−18%Leaf in TN
Texas$1,700$695+16%Leaf in TX
Utah$1,350$655−8%Leaf in UT
Vermont$935$320−36%Leaf in VT
Virginia$1,260$630−14%Leaf in VA
Washington$1,295$590−12%Leaf in WA
West Virginia$1,190$435−19%Leaf in WV
Wisconsin$975$375−33%Leaf in WI
Wyoming$1,060$325−28%Leaf in WY

Nissan Leaf insurance by driver profile

Estimated annual Nissan Leaf premium by driver (national average rates)
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,695 $2,455 $4,035 $336
Young adult (22) $985 $1,430 $2,345 $195
Adult in their 30s $615 $890 $1,465 $122
Adult in their 50s $565 $820 $1,350 $113
Senior (72) $690 $1,000 $1,645 $137
30s, one at-fault accident $890 $1,295 $2,125 $177
30s, DUI on record $1,140 $1,650 $2,715 $226

Nissan Leaf vs. rivals

ModelFull coverage / yrHLDI collisionHLDI comprehensiveComparison
Nissan Leaf$1,4659657—
Honda Civic$1,79012188Compare
Toyota Corolla$1,70510289Compare
Volkswagen Golf$1,365——Compare

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Frequently asked questions

How much is insurance for a Nissan Leaf?

We estimate about $1,465 a year ($122 a month) for full coverage and $615 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 8% less than the average vehicle.

Is the Nissan Leaf expensive to insure?

HLDI insurance-loss data rates it at 96 for collision and 57 for comprehensive losses (100 = average of all vehicles), meaning collision losses are average.

Which state is cheapest to insure a Nissan Leaf?

North Dakota has the lowest estimate (about $885 a year for full coverage) and Florida the highest (about $2,145).

What is the Nissan Leaf's NHTSA safety rating?

The 2025 Nissan Leaf earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Nissan Leaf cheaper to insure than the Honda Civic?

By our estimate the Nissan Leaf costs about $1,465 a year versus $1,820 for the Honda Civic, making it the cheaper of the two to insure.

How much is Nissan Leaf insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,035 a year at national-average rates by our estimate.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page