Nissan Z Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Mar 28, 2024
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The average insurance prices for a Nissan Z are $1,592 every 12 months for full coverage. Comprehensive costs around $432, collision insurance costs $686, and liability is estimated at $338. Buying just liability costs approximately $394 a year, and insurance for high-risk drivers costs around $3,412. Teen drivers cost the most to insure at up to $5,566 a year.
Average premium for full coverage: $1,592
Policy rates for type of insurance:
Prices include $500 deductible amounts, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all states and for different Z trim levels.
Price Range Variability
Using a middle-aged driver as an example, Nissan Z insurance rates range from the cheapest price of $394 for just liability insurance to a much higher rate of $3,412 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than larger metro areas. The price range example below illustrates how where you live affects auto insurance rates.
The examples above show why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, instead of using 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.
More Rate Details
The chart below shows average Nissan Z insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $905
- Choosing higher $1,000 deductibles can save about $256 a year
- The average price for a good driver age 40 using $500 deductibles is $1,592
- Choosing more expensive low deductibles for comp and collision coverage increases the price to $2,080
- Unlucky drivers with multiple violations and an at-fault accident could pay at least $3,412
- Policy cost to insure a teen driver with full coverage can be $5,566 each year
Insurance rates for a Nissan Z also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.
Choosing high deductibles can save as much as $750 every year, while increasing your policy's liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $304 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may pay as little as $1,500 annually on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay as much as $5,500 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $1,800 to $2,500 extra every year, depending on your age. High-risk driver insurance ranges as much as 45% to 127% more than average. View High Risk Driver Rates
Your home state plays a big part in determining prices for Nissan Z insurance prices. A good driver about age 40 could pay as low as $1,050 a year in states like Idaho, Maine, and Iowa, or as much as $2,270 on average in Michigan, Louisiana, and New York.
| 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% |
| 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 the Right Nissan Z Insurance
Finding cheaper rates on car insurance takes having a good driving record, having good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Take the time to comparison shop every other policy renewal by requesting rates from direct carriers, and also from local exclusive and independent agents.
The next list is a quick rundown of the ideas that were touched on in the above illustrations.
- Drivers age 20 and younger pay higher rates, costing up to $464 each month if they have full coverage
- Higher risk drivers with reckless driving or DUI convictions may pay on average $1,820 more every year to buy Nissan Z insurance
- Increasing comprehensive and collision deductibles could save as much as $750 each year
- Drivers can save up to $200 per year just by shopping early and online
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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