Nissan Z Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a Nissan Z are $1,592 annually including full coverage. Comprehensive costs on average $432, collision costs $686, and liability insurance is estimated at $338. Liability-only coverage costs approximately $394 a year, with high-risk coverage costing around $3,412. Teenage 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:
Estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for all Z models.
Price Range Variability
Using a 40-year-old driver as an example, Nissan Z insurance rates go from as cheap as $394 for your basic liability-only policy to the much higher price of $3,412 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than densely populated cities.
The example below illustrates how rural and urban location affects car insurance rates.
The examples above highlight why everyone should get quotes based on a specific location and their own personal driving habits, rather than relying on average rates.
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.
More Rate Information
The chart below breaks down estimated Nissan Z insurance rates for different risk profiles and scenarios.
- The best discount rate is $905
- Choosing higher $1,000 deductibles can save around $256 every year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,592
- Using pricier low deductibles for comp and collision coverage will cost $2,080
- High-risk insureds who are prone to accidents and violations could pay upwards of $3,412 or more
- Policy cost with full coverage for a teen driver for full coverage may cost $5,566 each year
Insurance rates for a Nissan Z also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.
A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $1,500 annually on average, or $125 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $5,500 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,800 to $2,500 additional every year, depending on your age. Nissan Z insurance for high-risk drivers ranges anywhere from 45% to 127% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $750 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $304 more each year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Nissan Z insurance rates. A good driver about age 40 could pay as low as $1,220 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,270 on average in Michigan, New York, and Louisiana.
| 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% |
Because rates have so much variability, the best way to figure out exactly what you will pay is to regularly compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, and rates will be varied between companies.
| 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 Buy Low Cost Nissan Z Insurance
Finding cheaper rates on Nissan Z insurance takes not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Set aside time to shop around at every other renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following is a review of the concepts that were raised in the charts and tables above.
- High-risk drivers who have several accidents or serious violations pay on average $1,820 more each year for Z insurance
- Teens pay higher rates, with premiums being up to $464 each month if they have full coverage
- You may be able to save as much as $200 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save up to $750 each year
- You may be able 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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