Nissan Leaf Insurance Cost in Illinois

Insuring a Nissan Leaf in Illinois costs about $1,265 a year ($105/month) for full coverage by our estimate — −14% versus the same car nationally — the 24th cheapest of 51 states for this model.

Nissan Leaf (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 in Illinois at a glance

Full coverage

$1,265

$1,035–$1,495

25/50/20 minimum

$500

$42/mo

Same car nationally

$1,465

full coverage

Avg. car in IL

$1,380

−8% for the Leaf

The Nissan Leaf is 8% cheaper than the average vehicle to insure in Illinois, reflecting HLDI collision losses of 96 and comprehensive losses of 57 (100 = average). Illinois's own base rates are 10% lower than the national average, which carries through to every model.

Illinois factors that affect Leaf premiums

Uninsured drivers: 15.2% of Illinois drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your Leaf.
Theft: 238 vehicle thefts per 100,000 residents (U.S. 197).
Weather: FEMA rates Illinois's expected annual losses as relatively moderate for hail, relatively high for tornado, very low for hurricane, relatively high for inland (river) flooding, very high for strong wind — hail, wind and flood claims fall under comprehensive.
Crash risk: 1.13 traffic deaths per 100 million miles (U.S. 1.19).
Fault system: At-fault (tort).

Car insurance rules and costs in Illinois →

Nissan Leaf insurance cost in Illinois cities

City	Full coverage	Minimum	vs. state
Chicago	$1,475	$585	+17%
Aurora	$1,315	$520	+4%
Naperville	$1,355	$535	+7%
Joliet	$1,295	$515	+2%
Rockford	$1,220	$480	−4%
Elgin	$1,310	$520	+4%
Springfield	$1,155	$455	−9%
Peoria	$1,175	$465	−7%
Champaign	$1,175	$465	−7%
Waukegan	$1,295	$515	+2%
Decatur	$1,145	$450	−9%
Quincy	$1,120	$445	−11%

Nissan Leaf insurance in Illinois by driver

Estimated annual Nissan Leaf premium in Illinois
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,375	$1,990	$3,480	$290
Young adult (22)	$800	$1,160	$2,025	$169
Adult in their 30s	$500	$725	$1,265	$105
Adult in their 50s	$460	$665	$1,165	$97
Senior (72)	$560	$810	$1,415	$118
30s, one at-fault accident	$725	$1,050	$1,835	$153
30s, DUI on record	$925	$1,340	$2,340	$195

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$500	$42	$410–$590
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$725	$60	$595–$855
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,265	$105	$1,035–$1,495

Illinois minimum: 25/50/20 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Illinois

Model	Full coverage in IL	vs. Leaf
Honda Civic	$1,575	+25%
Toyota Corolla	$1,470	+16%
Volkswagen Golf	$1,335	+6%
Toyota Prius	$1,395	+10%

Estimate your Leaf premium by ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Nissan Leaf insurance cost in every state · All Nissan models

Frequently asked questions

How much is Nissan Leaf insurance in Illinois?

About $1,265 a year ($105 a month) for full coverage and $500 for Illinois's minimum liability, for a driver in their 30s with a clean record. That is 14% less than the national estimate for the same car.

Is the Nissan Leaf cheaper to insure than the average car in Illinois?

The average vehicle in Illinois is about $1,380 a year for full coverage in our model, so the Nissan Leaf is 8% cheaper than average.

Where in Illinois is Nissan Leaf insurance cheapest?

Among the largest Illinois cities, Quincy has the lowest estimate (about $1,120) and Chicago the highest (about $1,475).

What insurance do I need for a Nissan Leaf in Illinois?

Illinois requires at least 25/50/20 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

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