Nissan Z Insurance Rates

The average insurance prices for a Nissan Z are $1,592 every 12 months for full coverage. Comprehensive costs an estimated $432 each year, collision insurance costs $686, and liability insurance costs $338. Liability-only coverage costs as little as $394 a year, and high-risk coverage costs around $3,412. Teenage drivers cost the most to insure at up to $5,566 a year.

Average premium for full coverage: $1,592

Policy rates broken down by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Z models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on insurance rates. More rural locations are shown to have more infrequent accident claims than densely populated cities. The graphic below illustrates how geographic area affects insurance prices.

The examples above show why all drivers should compare rates for a targeted area and their own driving history, rather than relying on average rates.

Use the form below to get customized rates for your location.

Rate Comparisons

The chart below shows average Nissan Z insurance rates for other coverage scenarios.

• The best discount rate is $905
• Drivers who choose higher $1,000 deductibles will pay approximately $256 a year
• The average price for a good driver age 40 who has $500 deductibles is $1,592
• Using low deductibles for comprehensive and collision insurance increases the price to $2,080
• High risk drivers who are prone to accidents and violations could pay up to $3,412
• Policy cost to insure a teen driver can cost as much as $5,566 a year

View Chart as Image

Insurance rates for a Nissan Z also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.

Using high physical damage deductibles could save up to $750 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $304 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay at least $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 $1,800 to $2,500 additional every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 45% to 127% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Nissan Z insurance rates. A 40-year-old driver could pay as low as $1,050 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,270 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Shop for Cheaper Nissan Z Insurance

Finding cheaper rates on Nissan Z insurance not only requires avoiding accidents and violations, but also having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to compare rates every couple of years by getting quotes from direct carriers, and also from several local insurance agents.

The list below is a condensed summary of the material that was presented in the illustrations above.

• Drivers who want higher liability limits will pay an extra $370 each year to go from a 30/60 limit to a 250/500 level
• Teenagers are expensive to insure, costing up to $464 each month if full coverage is included
• High-risk drivers with multiple at-fault accidents pay on average $1,820 more annually for car insurance
• Increasing comprehensive and collision deductibles could save as much as $750 each year