Nissan Z Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance rates for a Nissan Z are $1,592 a year with full coverage. Comprehensive insurance costs on average $432 each year, collision costs $686, and liability costs $338. Liability-only insurance costs as little as $394 a year, with high-risk driver insurance costing $3,412 or more. Teen drivers cost the most to insure at $5,566 a year or more.
Average premium for full coverage: $1,592
Policy rates by type of insurance:
These estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and Z models.
Price Range Variability
For the average 40-year-old driver, Nissan Z insurance rates go from as low as $394 for the bare minimum liability coverage to a high rate of $3,412 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Your location can make a big difference on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than larger metro areas.
The graphic below illustrates the difference location can make on car insurance rates.
The examples above demonstrate why all drivers should compare rates based on a specific location and risk profile, instead of making a decision based on 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.
Additional Rate Information
The chart below details estimated Nissan Z insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $905
- Drivers who choose higher $1,000 deductibles will pay around $256 annually
- The average rate for a good driver age 40 with $500 deductibles is $1,592
- Choosing low deductibles for comprehensive and collision insurance will cost an extra $488 annually
- Drivers with multiple violations and an at-fault accident could pay upwards of $3,412 or more
- Policy cost for full coverage for a 16-year-old driver may cost $5,566 a year
Auto insurance rates for a Nissan Z also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.
More mature drivers with a good driving record and high deductibles may pay as low as $1,500 per year on average, or $125 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay upwards of $5,500 a year. View Rates by Age
Your home state makes a big difference in Nissan Z insurance prices. A 40-year-old driver could pay as low as $1,150 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,150 on average in Florida, Michigan, 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% |
Choosing high deductibles could save up to $750 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $304 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,800 to $2,500 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost from 45% to 127% more than average. View High Risk Driver Rates
Because rates have so much variability, the best way to find out exactly what you will pay is to do a rate comparison from multiple companies. Every company uses a different rate calculation, and quoted rates will be varied 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 Cheap Nissan Z Insurance
Finding cheaper rates on insurance for a Nissan Z not only requires not taking risks behind the wheel, but also having good credit, not filing small claims, and taking advantage of discounts. Make time to compare rates every other policy renewal by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.
The following is a brief summary of the ideas that were touched on in this article.
- Teens are charged the highest rates, as much as $464 each month if they have full coverage
- Drivers considered higher risk that tend to have accidents or serious violations may be required to pay an average of $1,820 more each year for Z insurance
- Increasing comprehensive and collision deductibles can save around $750 each year
- You may be able to save as much as $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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