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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U.S. average insurance prices for a Nissan Z are $1,592 every 12 months for full coverage insurance. Comprehensive insurance costs on average $432, collision costs $686, and liability coverage costs around $338. A policy with just liability insurance costs as low as $394 a year, with coverage for high-risk drivers costing $3,412 or more. 16-year-old drivers pay the highest rates at $5,566 a year or more.
Average premium for full coverage: $1,592
Price estimates by individual coverage:
Rate estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for all Z models.
Price Range from Low to High
For a 40-year-old driver, Nissan Z insurance prices go from the cheapest price of $394 for just liability coverage to the much higher price of $3,412 for a driver who requires high-risk insurance.
Geographic Price Range
Where you live has a large influence on insurance rates. Rural areas have more infrequent physical damage claims than congested cities.
The example below illustrates how your location can change car insurance rates.
The ranges above illustrate why everyone should compare prices based on a specific location and their own driving history, 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.
Detailed Rate Analysis
The chart below illustrates estimated Nissan Z insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $905
- Using higher $1,000 deductibles will save around $256 each year
- The average price for the average middle-age driver with $500 deductibles is $1,592
- Buying pricier low deductibles for physical damage coverage costs an extra $488 each year
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,412 or more
- The price to insure a teenage driver for full coverage may cost $5,566 or more
Insurance prices for a Nissan Z are also quite variable based on deductibles and policy limits, your risk profile, and the trim level of your Z.
Opting for high physical damage deductibles could cut prices by as much as $750 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $304 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may only pay around $1,500 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay upwards of $5,500 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $1,800 to $2,500 extra each year, depending on your age. Nissan Z insurance for high-risk drivers can be around 45% to 127% more than the average rate. View High Risk Driver Rates
The state you live in has a huge impact on Nissan Z insurance rates. A driver around age 40 might see prices as low as $1,040 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,150 on average in Michigan, New York, 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% |
Since prices can be so different, the only way to figure out exactly what you will pay is to regularly compare prices and see how they stack up. Each insurance company utilizes a different rate formula, so the prices may be quite 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 the Best Nissan Z Insurance
Getting lower rates on auto insurance requires being a safe and courteous driver, having good credit, not filing small claims, and bundling your home and auto policies. Invest the time to shop around at every other renewal by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
Below is a brief recap of the concepts that were illustrated above.
- Drivers who tend to receive serious violations pay on average $1,820 more each year for auto insurance
- Teenage drivers pay the highest prices, as much as $464 a month if they have full coverage
- It is possible to save as much as $200 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save as much as $750 each year
- It is possible to save as much as $200 per year simply by quoting online well ahead of the renewal date
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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