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 including full coverage. Comprehensive costs an estimated $432 each year, collision insurance costs $686, and liability costs around $338. A liability-only policy costs as low as $394 a year, and high-risk insurance costs around $3,412. Teen 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:

Comprehensive $432
Collision $686
Liability $338

Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and Z models.

Price Range Variability

Using a 40-year-old driver as an example, Nissan Z insurance rates range from the low end price of $394 for a discount liability-only rate to a high rate of $3,412 for high-risk insurance.

Liability Only $394
Full Coverage $1,592
High Risk $3,412

Urban vs. Rural Price Range

Where you live can make a big difference on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than larger metro areas. The graphic below illustrates how rural and urban location affects insurance prices.

Rural Areas $1,194
Small Cities $1,672
Large Cities $2,149

The examples above highlight why all drivers should compare prices for a targeted area, 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.

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Rates by State, City, and Model

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

  • The lowest rate with discounts is $905
  • Using higher $1,000 deductibles will save approximately $256 every year
  • The estimated price for a good driver age 40 who has $500 deductibles is $1,592
  • Choosing low deductibles for physical damage coverage bumps up the cost to $2,080
  • High-risk insureds with multiple violations and an at-fault accident could pay up to $3,412
  • Policy cost that insures a 16-year-old driver can cost as much as $5,566 or more

View Chart as Image

Nissan Z insurance cost comparison chart
Column chart showing Nissan Z insurance rates range from $905 to $5,566 for full coverage

Car insurance rates for a Nissan Z also range considerably based on the trim level and model year, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,800 to $2,500 extra every year, depending on your age. Insurance for high-risk drivers can be from 45% to 127% more than average. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,500 a year, or $125 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged at least $5,500 a year. View Rates by Age

Your home state has a huge impact on Nissan Z insurance prices. A driver around age 40 might see rates as low as $1,220 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,270 on average in Louisiana, New York, and Michigan.

Nissan Z Insurance Rates by State
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%

View Chart as Image

Nissan Z insurance rates by U.S. city

Choosing high deductibles could cut rates by as much as $750 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $304 extra every 12 months. View Rates by Deductible or Liability Limit

Nissan Z Insurance Rates by Model Year
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 More Affordable Nissan Z Insurance

Finding cheaper rates on insurance for a Nissan Z requires having a decent driving record, having a positive credit history, paying for small claims out-of-pocket, and possibly higher deductibles. Shop around every couple of years by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The following items are a summary of the material that was raised in the charts and tables above.

  • Insureds who want additional liability coverage will pay about $370 per year to increase from a 30/60 limit to the 250/500 level
  • 16 to 18-year-old drivers have the highest car insurance rates, with premiums being up to $464 each month if full coverage is purchased
  • Drivers considered higher risk who have multiple accidents or major violations could be charged and average of $1,820 more annually than a driver with a clean driving record
  • Increasing comprehensive and collision deductibles can save approximately $750 each year

Rates by Driver Age

Nissan Z Insurance 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

Nissan Z Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,080
$250 $1,856
$500 $1,592
$1,000 $1,336

Full coverage, driver age 40

Rates by Liability Limit

Nissan Z Insurance Rates with Different Liability Limits
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

Nissan Z Insurance 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.

SR-22 Surcharge $218

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
Rate after discounts $905

Discounts are estimated and may not be available from every company or in every state.

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