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...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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Average insurance prices for a Nissan Z are $1,592 every 12 months including full coverage. Comprehensive costs an estimated $432, collision costs $686, and liability costs $338. Buying just liability costs as little as $394 a year, with insurance for high-risk drivers costing around $3,412. Teens receive the highest rates at $5,566 a year or more.
Average premium for full coverage: $1,592
Rate estimates broken down by individual coverage type:
Full coverage includes $500 deductible amounts, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for all Z models.
Price Range by Coverage and Risk
For the average driver, prices range go from the cheapest price of $394 for a discount liability-only rate to the much higher price of $3,412 for a high-risk insurance policy.
Price Range by Location
Your location can make a big difference on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than cities with more traffic congestion.
The example below illustrates how location impacts insurance prices.
These examples highlight why everyone should compare rates for a targeted area and their own driving history, instead of making a decision based on averaged prices.
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 breaks down estimated Nissan Z insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $905
- Drivers who choose higher $1,000 deductibles will pay approximately $256 every year
- The average price for a 40-year-old driver who has $500 deductibles is $1,592
- Selecting pricier low deductibles for comprehensive and collision insurance increases the price to $2,080
- Drivers with serious driving violations could pay up to $3,412 or more
- The cost to insure a 16-year-old driver for full coverage can cost as much as $5,566 a year
Auto insurance rates for a Nissan Z can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles could save up to $750 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $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 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay at least $5,500 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying $1,800 to $2,500 in extra premium per year, depending on your age. Nissan Z insurance for high-risk drivers can cost from 45% to 127% more than the average policy. View High Risk Driver Rates
Where you live makes a big difference in Nissan Z insurance prices. A 40-year-old driver could pay as low as $1,220 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,270 on average in Louisiana, New York, and Michigan.
| 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 so much variability in rates, the best way to figure out which company is cheapest is to regularly compare rates from multiple companies. Every company calculates rates differently, and quoted rates can be significantly 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 More Affordable Nissan Z Insurance
Saving money on insurance for a Nissan Z not only requires having a good driving record, but also having a good credit score, not filing small claims, and qualifying for all possible discounts. Spend time shopping around at least every other year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
The next list is a summary of the car insurance concepts touched on above.
- Drivers considered higher risk who have multiple accidents or major violations may have to pay on average $1,820 more annually to buy Nissan Z insurance
- You may be able to save approximately $200 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles could save as much as $750 each year
- Insureds who want increased levels of liability coverage will pay approximately $370 per year to go from a minimum limit 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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