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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
The average cost of Nissan Leaf insurance is $170 per month — higher than the national average for all vehicles.
USAA offers the cheapest rate for the Leaf, at $89 per month.
The Leaf’s expensive EV battery and repair costs raise rates, but its 5-star National Highway Traffic Safety Administration (NHTSA) safety rating and standard driver-assist features may help you qualify for certain vehicle safety discounts.[1]
Car insurance costs for the Nissan Leaf depend on whether you choose liability-only or full-coverage insurance. Liability-only policies cover injuries or property damage you cause to others.
Full-coverage policies add collision coverage for your own accident repairs and comprehensive coverage for incidents such as theft, vandalism, and weather damage to your EV.
Check out the table below to see how average Nissan Leaf premiums compare to the national average for all vehicles, according to Compare.com data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Nissan Leaf | $124 | $216 | $170 |
| All vehicles | $113 | $212 | $163 |
Nissan Leaf drivers pay about $124 per month for liability coverage, which is approximately 10% higher than the national average. Full-coverage premiums are slightly higher than average, at $216 per month.
Now, let’s take a look at how factors like your age, location, driving record, and Leaf model year can affect your insurance rates.
Comparing quotes can save you up to $867.†
Even for the same make and model, insurance rates can vary widely between companies. That’s why it’s essential to compare multiple quotes from different companies to make sure you’re getting the best deal on the coverage you need.
The table below shows the cheapest car insurance companies for the Nissan Leaf, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $89 |
| State Farm | $98 |
| Allstate | $126 |
| American Family | $134 |
| GEICO | $138 |
| CSAA | $151 |
| Nationwide | $163 |
| Progressive | $166 |
| Travelers | $170 |
| Farmers | $192 |
| Liberty Mutual | $229 |
| Amica | $432 |
USAA offers the lowest rates, at $89 per month, which is about 48% cheaper than the Leaf’s overall average of $170 per month.
Here’s a closer look at the three cheapest insurers and what makes each a great fit for Leaf drivers.
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA consistently offers some of the lowest rates for Nissan Leaf drivers. But the company limits eligibility to current and former military members and their immediate families. Safe drivers can save even more through SafePilot, USAA’s telematics program. Low-mileage drivers may also benefit from SafePilot Miles, the company’s pay-per-mile option.
Cheap Nissan Leaf rates
24/7 roadside assistance
Military on-base discount available
No EV-specific discounts
Doesn’t guarantee EV rental cars
Membership limited to military families
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Though State Farm doesn’t offer electric vehicle discounts, you still have access to all its other discounts and coverages, including rideshare insurance. If your Leaf runs out of charge, State Farm’s roadside assistance will either tow you to the closest charging station or send a service provider with a portable charger to get you back on the road.
| User Reviews | 3.5 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate offers the same coverage and discounts for the Nissan Leaf as it does for other gas-powered vehicles, but it stands out for its EV-focused support. Allstate provides charger protection plans that cover mechanical failures or accidental damage. It also offers discounts on home chargers and installation — a valuable perk for Leaf owners.
EV charger coverage available
Customizable full-coverage policies
Accident forgiveness available
Rates may be higher than others
No EV car insurance discounts
Below-average claims satisfaction rating[4]
The electric Nissan Leaf is an affordable compact car, and its insurance costs reflect that. Because the Leaf’s starting price is relatively low ($29,990 MSRP for the 2026 model year), insurers may have to pay less to replace it if you file a total loss claim.[5]
Generally, the lower a vehicle’s value, the less it costs to insure. That’s why older Leaf models usually have lower premiums. The table below shows the average cost for Leaf insurance by model year, according to our data.
Leaf Model Year | Average Monthly Premium |
|---|---|
| 2026 | $204 |
| 2025 | $205 |
| 2024 | $205 |
| 2023 | $205 |
| 2022 | $205 |
| 2021 | $198 |
| 2020 | $189 |
| 2019 | $185 |
| 2018 | $178 |
| 2017 | $175 |
| 2016 | $170 |
| 2015 | $166 |
| 2014 | $164 |
| 2013 | $155 |
| 2012 | $151 |
| 2011 | $147 |
Company | Average Monthly Premium |
|---|---|
| USAA | $107 |
| State Farm | $118 |
| Allstate | $151 |
| American Family | $161 |
| GEICO | $165 |
| CSAA | $181 |
| Nationwide | $195 |
| Progressive | $199 |
| Travelers | $204 |
| Farmers | $230 |
| Liberty Mutual | $275 |
| Amica | $518 |
Company | Average Monthly Premium |
|---|---|
| USAA | $108 |
| State Farm | $118 |
| Allstate | $152 |
| American Family | $162 |
| GEICO | $167 |
| CSAA | $182 |
| Nationwide | $197 |
| Progressive | $201 |
| Travelers | $205 |
| Farmers | $232 |
| Liberty Mutual | $277 |
| Amica | $522 |
Company | Average Monthly Premium |
|---|---|
| USAA | $108 |
| State Farm | $118 |
| Allstate | $152 |
| American Family | $162 |
| GEICO | $167 |
| CSAA | $182 |
| Nationwide | $197 |
| Progressive | $201 |
| Travelers | $205 |
| Farmers | $232 |
| Liberty Mutual | $277 |
| Amica | $522 |
Company | Average Monthly Premium |
|---|---|
| USAA | $107 |
| State Farm | $118 |
| Allstate | $152 |
| American Family | $161 |
| GEICO | $166 |
| CSAA | $182 |
| Nationwide | $196 |
| Progressive | $200 |
| Travelers | $205 |
| Farmers | $231 |
| Liberty Mutual | $276 |
| Amica | $520 |
Company | Average Monthly Premium |
|---|---|
| USAA | $107 |
| State Farm | $118 |
| Allstate | $152 |
| American Family | $161 |
| GEICO | $166 |
| CSAA | $182 |
| Nationwide | $196 |
| Progressive | $200 |
| Travelers | $205 |
| Farmers | $231 |
| Liberty Mutual | $276 |
| Amica | $520 |
Company | Average Monthly Premium |
|---|---|
| USAA | $104 |
| State Farm | $114 |
| Allstate | $147 |
| American Family | $156 |
| GEICO | $161 |
| CSAA | $176 |
| Nationwide | $190 |
| Progressive | $193 |
| Travelers | $198 |
| Farmers | $223 |
| Liberty Mutual | $266 |
| Amica | $503 |
Company | Average Monthly Premium |
|---|---|
| USAA | $99 |
| State Farm | $109 |
| Allstate | $140 |
| American Family | $149 |
| GEICO | $153 |
| CSAA | $168 |
| Nationwide | $181 |
| Progressive | $184 |
| Travelers | $189 |
| Farmers | $213 |
| Liberty Mutual | $254 |
| Amica | $480 |
Company | Average Monthly Premium |
|---|---|
| USAA | $97 |
| State Farm | $107 |
| Allstate | $137 |
| American Family | $146 |
| GEICO | $150 |
| CSAA | $164 |
| Nationwide | $177 |
| Progressive | $181 |
| Travelers | $185 |
| Farmers | $209 |
| Liberty Mutual | $249 |
| Amica | $470 |
Company | Average Monthly Premium |
|---|---|
| USAA | $93 |
| State Farm | $103 |
| Allstate | $132 |
| American Family | $140 |
| GEICO | $145 |
| CSAA | $158 |
| Nationwide | $171 |
| Progressive | $174 |
| Travelers | $178 |
| Farmers | $201 |
| Liberty Mutual | $240 |
| Amica | $453 |
Company | Average Monthly Premium |
|---|---|
| USAA | $92 |
| State Farm | $101 |
| Allstate | $130 |
| American Family | $138 |
| GEICO | $142 |
| CSAA | $155 |
| Nationwide | $168 |
| Progressive | $171 |
| Travelers | $175 |
| Farmers | $198 |
| Liberty Mutual | $236 |
| Amica | $445 |
Company | Average Monthly Premium |
|---|---|
| USAA | $89 |
| State Farm | $98 |
| Allstate | $126 |
| American Family | $134 |
| GEICO | $138 |
| CSAA | $151 |
| Nationwide | $163 |
| Progressive | $166 |
| Travelers | $170 |
| Farmers | $192 |
| Liberty Mutual | $229 |
| Amica | $431 |
Company | Average Monthly Premium |
|---|---|
| USAA | $87 |
| State Farm | $96 |
| Allstate | $123 |
| American Family | $131 |
| GEICO | $135 |
| CSAA | $147 |
| Nationwide | $159 |
| Progressive | $162 |
| Travelers | $166 |
| Farmers | $187 |
| Liberty Mutual | $224 |
| Amica | $422 |
Compare personalized quotes from dozens of top companies in minutes.
Every day, your Leaf is exposed to a range of risks specific to your state. Traffic density, weather events, vandalism and theft rates, and local repair costs in your area all influence what you’ll pay for coverage. Insurers consider all those location-specific factors when setting car insurance rates.[6]
The map below shows how Nissan Leaf insurance costs can vary widely by state, according to our data.
State | Average Monthly Premium |
|---|---|
| Alabama | $140 |
| Arizona | $149 |
| Arkansas | $161 |
| California | $183 |
| Colorado | $183 |
| Connecticut | $253 |
| Delaware | $212 |
| Florida | $198 |
| Georgia | $227 |
| Hawaii | $112 |
| Idaho | $93 |
| Illinois | $141 |
| Indiana | $116 |
| Iowa | $95 |
| Kansas | $132 |
| Kentucky | $176 |
| Louisiana | $190 |
| Maine | $124 |
| Maryland | $270 |
| Massachusetts | $134 |
| Michigan | $205 |
| Minnesota | $155 |
| Mississippi | $134 |
| Missouri | $161 |
| Montana | $133 |
| Nebraska | $128 |
| Nevada | $225 |
| New Hampshire | $78 |
| New Jersey | $239 |
| New Mexico | $129 |
| New York | $196 |
| North Carolina | $79 |
| North Dakota | $104 |
| Ohio | $110 |
| Oklahoma | $152 |
| Oregon | $136 |
| Pennsylvania | $143 |
| Rhode Island | $196 |
| South Carolina | $218 |
| South Dakota | $123 |
| Tennessee | $127 |
| Texas | $195 |
| Utah | $133 |
| Vermont | $127 |
| Virginia | $159 |
| Washington | $151 |
| Washington D.C. | $280 |
| West Virginia | $131 |
| Wisconsin | $108 |
| Wyoming | $100 |
Your age is a strong indicator of your risk of getting into an accident. Younger, less experienced drivers, especially teenagers, tend to have higher crash rates. In fact, teen drivers are nearly three times as likely to be in a fatal crash as drivers 20 and older.[7] That all adds up to some pretty high insurance rates.
The good news is that rates tend to drop as you age and gain more experience. Here’s how Nissan Leaf insurance costs vary by age group, according to Compare.com data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $326 |
| Adults | $170 |
| Seniors | $146 |
The younger and less experienced a driver is, the higher their risk of getting into an accident. For example, 16-year-olds are 1.5 times as likely to crash as 18- and 19-year-old drivers. Statistics like these explain why car insurance is so expensive for teens and other young drivers.
But you can still find a good deal with the right company. Begin your search with the companies offering the lowest Nissan Leaf premiums in the chart below, according to Compare.com data.
The more experience you have behind the wheel, the lower your risk of getting into an accident. In fact, fatal crash rates for drivers in their 70s are lower than for middle-aged drivers.[8] Because older drivers tend to file fewer claims, insurers often reward them with some of the lowest premiums.
Here are the cheapest insurance companies for senior Nissan Leaf drivers, according to Compare.com data.
Your driving record is one of the most important factors insurers use to set your premium. Tickets, collisions, and driving under the influence (DUI) charges signal a higher risk of future claims, which typically result in higher insurance costs.
Fortunately, some insurers specialize in covering high-risk drivers and may still offer competitive rates, even for those with past violations.
The table below highlights how Nissan Leaf insurance rates can vary by driving record, according to our data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $170 |
| Speeding ticket | $228 |
| At-fault accident | $243 |
| DUI | $286 |
Speeding significantly increases the likelihood of a crash by reducing your ability to react safely and making it harder to maintain control. It can also increase the severity of a collision.[9] A speeding ticket signals to insurers that you’re more likely to cause accidents or file claims, which leads to more expensive insurance.
To make your search easier, we identified the cheapest insurance companies for Leaf drivers with a ticket in the chart below.
At-fault accidents often lead to higher premiums because they show insurers you’re more likely to file future claims. Filing a claim after a crash typically triggers a rate reassessment that can last for up to three years.[10]
But you can often limit these rate hikes if you know where to look. The chart below shows the cheapest insurers for Nissan Leaf drivers after an accident, based on our research.
A DUI is one of the most serious violations on your insurance record. If you drive with a blood alcohol concentration (BAC) of .08, you’re approximately four times more likely to crash than if you were sober.[11]
That’s why insurers impose steep rate hikes after a DUI conviction. Many states may also require you to have an SR-22 or FR-44 certificate, which proves you maintain minimum coverage and adds another layer of expense.
Still, some companies specialize in insuring high-risk drivers, including drivers with a DUI. You can find a lower rate for your Nissan Leaf from one of the companies in the chart below, according to Compare.com data.
Your Nissan Leaf insurance rate depends on several key factors, such as:
Vehicle value: Depending on the trim level, you’ll pay between $31,485 and $40,485 for a 2026 Nissan Leaf.[12] More expensive trims typically cost more to insure.
Repair and parts costs: The Leaf’s electric drivetrain and battery pack increase parts costs and usually require specialized repair shops, which can drive up repair expenses and your insurance rate.
EV costs: Electric vehicles generally cost around 8% more to insure than gas- and diesel-powered cars, according to Compare.com data.
Safety features: The Leaf boasts a 5-star overall rating from the NHTSA and comes with standard safety features, such as lane-departure warning and blind-spot monitoring. Reducing your crash risk with features like these can lower your premium and qualify you for a safety features discount.
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Check out these tips to lower your Nissan Leaf insurance costs:
Charge and park smart. Parking your Leaf in a garage and using at-home charging can reduce the risk of theft and damage, which may help lower your premiums.
Take advantage of telematics. Safe, road-conscious driving can earn you up to 30% in savings when you participate in your insurer’s usage-based insurance programs.
Consider your mileage. If you’re a low-mileage driver, you might save on Nissan Leaf insurance with a pay-per-mile plan.
Compare EV-friendly insurers. Get the best rate and coverage by shopping around. Some companies offer lower rates, special discounts, or perks for electric cars.
Compare personalized quotes and find the best insurer for your Leaf.
We’ve covered the basics, but you might still have questions about insuring your Nissan Leaf. Here are the answers to the most common concerns Leaf drivers ask us about coverage and costs.
Somewhat. The average cost to insure a Nissan Leaf is $170 per month, according to Compare.com data. But that’s just $8 more than the national average for all vehicles — a pretty good mark for an electric vehicle.
USAA has the cheapest rates for Nissan Leaf owners, at just $89 per month, according to our data. But you’ll qualify for a USAA policy only if you’re a member of the military community. If you’re ineligible for USAA insurance, State Farm and Allstate offer affordable rates for Leaf owners, with average monthly rates starting at $98 and $126, respectively.
The average cost of car insurance for a 2025 Nissan Leaf is $205 per month, according to our data.
Our data shows that the Rogue is the cheapest Nissan to insure, with a monthly average premium of $151.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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