Nissan Z Insurance Rates

The average insurance rates for a Nissan Z are $1,592 a year for full coverage insurance. Comprehensive insurance costs on average $432 a year, collision insurance costs $686, and liability is estimated at $338. Liability-only coverage costs approximately $394 a year, and high-risk coverage costs $3,412 or more. 16-year-old drivers cost the most to insure at up to $5,566 a year.

Average premium for full coverage: $1,592

Policy rates by type of insurance:

Full coverage includes $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and Z trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than congested cities. The diagram below illustrates the difference location can make on car insurance rates.

The examples above illustrate why it is important to get quotes based on a specific location and risk profile, instead of making a decision based on rate averages.

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

More Rate Information

The chart below illustrates average Nissan Z insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $905
• Choosing higher $1,000 deductibles can save around $1,336 each year
• The average rate for a good driver age 40 with $500 deductibles is $1,592
• Buying low $100 deductibles for comp and collision coverage will cost an extra $488 annually
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,412
• Policy cost for full coverage for a 16-year-old driver may cost $5,566 each year

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles may pay as low as $1,500 annually on average, or $125 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay upwards of $5,500 a year. View Rates by Age

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 $1,040 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,150 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles can save as much as $750 annually, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $304 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at a minimum $1,800 to $2,500 additional every year, depending on your age. A high-risk auto insurance policy ranges from 45% to 127% more than the average rate. View High Risk Driver Rates

How to Find More Affordable Nissan Z Insurance

Finding cheaper rates on insurance for a Nissan Z takes being a low-risk driver, having a good credit history, being claim-free, and dropping full coverage on older vehicles. Make time to compare rates at least once a year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The items below are a summary of the primary concepts that were touched on in this article.

• It is possible to save as much as $200 per year just by quoting early and online
• Drivers considered higher risk who have multiple accidents or major violations pay an average of $1,820 more each year to insure their Z
• Increasing comprehensive and collision deductibles can save around $750 each year
• Teen drivers pay higher rates, possibly costing $464 each month including comprehensive and collision insurance