Nissan Z Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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Estimated insurance prices for a Nissan Z are $1,592 every 12 months including full coverage. Comprehensive costs on average $432, collision costs $686, and liability costs around $338. A liability-only policy costs as low as $394 a year, with high-risk insurance costing around $3,412. Teen drivers pay the most at $5,566 a year or more.
Average premium for full coverage: $1,592
Premium estimates by type of coverage:
Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for all Z models.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Nissan Z go from the cheapest price of $394 for basic liability insurance to the much higher price of $3,412 for a high-risk driver policy.
Insurance Price Range by Location
Where you live can make a big difference on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than larger metro areas.
The example below illustrates the difference between rural and urban areas on car insurance rates.
These rate differences highlight why everyone should compare prices based on a specific location and their own driving history, instead of making a decision based on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rate Comparisons
The chart below breaks down estimated Nissan Z insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $905
- Using higher $1,000 deductibles will save around $256 every year
- The average price for a 40-year-old good driver with $500 deductibles is $1,592
- Choosing pricier low deductibles for physical damage coverage increases the price to $2,080
- High-risk insureds with multiple violations and an at-fault accident could pay upwards of $3,412 or more
- An auto insurance policy to insure a 16-year-old driver for full coverage may cost $5,566 or more
Auto insurance prices for a Nissan Z also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level of your Z.
Choosing high deductibles could cut prices by as much as $750 annually, whereas buying more liability protection will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $304 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may pay as low as $1,500 a year, or $125 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay upwards of $5,500 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $1,800 to $2,500 in extra premium annually, depending on your age. Nissan Z insurance for high-risk drivers can be from 45% to 127% more than average. View High Risk Driver Rates
Where you choose to live has a huge impact on Nissan Z insurance prices. A driver around age 40 might see prices as low as $1,220 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,270 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,438 | -$154 | -9.7% |
| Alaska | $1,222 | -$370 | -23.2% |
| Arizona | $1,320 | -$272 | -17.1% |
| Arkansas | $1,592 | -$0 | 0.0% |
| California | $1,814 | $222 | 13.9% |
| Colorado | $1,518 | -$74 | -4.6% |
| Connecticut | $1,634 | $42 | 2.6% |
| Delaware | $1,800 | $208 | 13.1% |
| Florida | $1,988 | $396 | 24.9% |
| Georgia | $1,468 | -$124 | -7.8% |
| Hawaii | $1,144 | -$448 | -28.1% |
| Idaho | $1,078 | -$514 | -32.3% |
| Illinois | $1,184 | -$408 | -25.6% |
| Indiana | $1,200 | -$392 | -24.6% |
| Iowa | $1,072 | -$520 | -32.7% |
| Kansas | $1,510 | -$82 | -5.2% |
| Kentucky | $2,170 | $578 | 36.3% |
| Louisiana | $2,356 | $764 | 48.0% |
| Maine | $982 | -$610 | -38.3% |
| Maryland | $1,314 | -$278 | -17.5% |
| Massachusetts | $1,270 | -$322 | -20.2% |
| Michigan | $2,762 | $1,170 | 73.5% |
| Minnesota | $1,334 | -$258 | -16.2% |
| Mississippi | $1,906 | $314 | 19.7% |
| Missouri | $1,412 | -$180 | -11.3% |
| Montana | $1,708 | $116 | 7.3% |
| Nebraska | $1,252 | -$340 | -21.4% |
| Nevada | $1,908 | $316 | 19.8% |
| New Hampshire | $1,148 | -$444 | -27.9% |
| New Jersey | $1,778 | $186 | 11.7% |
| New Mexico | $1,406 | -$186 | -11.7% |
| New York | $1,674 | $82 | 5.2% |
| North Carolina | $916 | -$676 | -42.5% |
| North Dakota | $1,304 | -$288 | -18.1% |
| Ohio | $1,096 | -$496 | -31.2% |
| Oklahoma | $1,634 | $42 | 2.6% |
| Oregon | $1,458 | -$134 | -8.4% |
| Pennsylvania | $1,518 | -$74 | -4.6% |
| Rhode Island | $2,122 | $530 | 33.3% |
| South Carolina | $1,442 | -$150 | -9.4% |
| South Dakota | $1,342 | -$250 | -15.7% |
| Tennessee | $1,392 | -$200 | -12.6% |
| Texas | $1,918 | $326 | 20.5% |
| Utah | $1,178 | -$414 | -26.0% |
| Vermont | $1,088 | -$504 | -31.7% |
| Virginia | $952 | -$640 | -40.2% |
| Washington | $1,228 | -$364 | -22.9% |
| West Virginia | $1,458 | -$134 | -8.4% |
| Wisconsin | $1,098 | -$494 | -31.0% |
| Wyoming | $1,416 | -$176 | -11.1% |
With such a large range in prices, the best way to figure out exactly what you will pay is to regularly compare prices from multiple companies. Each insurance company uses a different rate calculation, and quoted prices will be substantially different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Nissan Z | $432 | $686 | $338 | $1,592 |
| 2023 Nissan Z | $418 | $668 | $354 | $1,576 |
Rates are averaged for all Nissan Z models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Low Cost Nissan Z Insurance
Finding better rates on insurance for a Nissan Z requires being a good driver, having a good credit score, refrain from filing small claims, and taking advantage of discounts. Set aside time to compare rates every time your policy renews by obtaining price quotes from direct car insurance companies, and also from your local independent and exclusive agents.
The following list is a review of the information covered above.
- You may be able to save as much as $200 per year simply by quoting online well ahead of the renewal date
- Drivers age 16 to 20 are charged the highest prices, with the cost nearing $464 per month if comprehensive and collision insurance is included
- Increasing policy deductibles could save as much as $750 each year
- Drivers considered higher risk who have several accidents or serious violations may pay on average $1,820 more each year than a safer driver
- Insureds who require an increased level of liability coverage will pay about $370 per year to increase from 30/60 bodily injury limits to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,566 |
| 20 | $3,610 |
| 30 | $1,678 |
| 40 | $1,592 |
| 50 | $1,448 |
| 60 | $1,422 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,080 |
| $250 | $1,856 |
| $500 | $1,592 |
| $1,000 | $1,336 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,592 |
| 50/100 | $1,660 |
| 100/300 | $1,744 |
| 250/500 | $1,964 |
| 100 CSL | $1,693 |
| 300 CSL | $1,879 |
| 500 CSL | $2,015 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,000 |
| 20 | $5,734 |
| 30 | $3,512 |
| 40 | $3,412 |
| 50 | $3,244 |
| 60 | $3,216 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $87 |
| Multi-vehicle | $79 |
| Homeowner | $21 |
| 5-yr Accident Free | $122 |
| 5-yr Claim Free | $104 |
| Paid in Full/EFT | $78 |
| Advance Quote | $80 |
| Online Quote | $116 |
| Total Discounts | $687 |
Discounts are estimated and may not be available from every company or in every state.
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