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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Average insurance rates for a Nissan Z are $1,592 a year with full coverage. Comprehensive insurance costs approximately $432 each year, collision costs $686, and liability coverage costs around $338. Liability-only coverage costs as low as $394 a year, with high-risk coverage costing $3,412 or more. 16-year-old drivers receive the highest rates at $5,566 a year or more.
Average premium for full coverage: $1,592
Rate estimates by individual coverage type:
Full coverage includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and Z models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from as low as $394 for a discount liability-only rate to a high rate of $3,412 for a driver who has had serious violations or accidents.
Price Range by Location
Where you live has a large influence on the price of insurance. Rural locations tend to have a lower frequency of collision claims than congested cities.
The graphic below illustrates how your location can change auto insurance prices.
These examples demonstrate why all drivers should compare prices using their specific location and risk profile, rather than using rate 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.
Rates by State, City, and Model
The chart below details estimated Nissan Z insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $905
- Using higher $1,000 deductibles will save $256 annually
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,592
- Buying low deductibles for physical damage coverage will cost an extra $488 each year
- Higher-risk drivers with multiple tickets or accidents could pay around $3,412 or more
- The cost for full coverage for a teenage driver can cost $5,566 or more
Car insurance rates for a Nissan Z can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.
More mature drivers with no driving violations and high deductibles may only pay around $1,500 a year for full coverage. Rates are highest for teen drivers, where even good drivers will be charged in the ballpark of $5,500 a year. View Rates by Age
Where you live has a huge impact on Nissan Z insurance rates. A driver around age 40 might see rates as low as $1,150 a year in states like Utah, Ohio, and New Hampshire, or at least $2,150 on average in New York, Michigan, and Florida.
| 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% |
Opting for high physical damage deductibles could cut rates by as much as $750 a year, whereas increasing liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $304 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,800 to $2,500 extra per year, depending on your age. Insurance for high-risk drivers can be around 45% to 127% more than the average rate. View High Risk Driver Rates
With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison and see how they stack up. Each insurance company utilizes a different rate formula, so rate quotes can be significantly different from one company to the next.
| 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 Find More Affordable Nissan Z Insurance
Saving money on auto insurance requires avoiding accidents and claims, having above-average credit, eliminating unnecessary coverage, and avoiding coverage lapses. Invest the time to shop around every other policy renewal by getting rate quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.
The points below are a summary of the ideas that were illustrated above.
- Drivers under the age of 20 pay the highest auto insurance rates, with premiums as much as $464 per month if full coverage is included
- Drivers who have multiple accidents or major violations pay on average $1,820 more per year to insure a Nissan Z
- Increasing deductibles can save around $750 each year
- You may be able to save around $200 per year simply by quoting online in advance
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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