Nissan Z Insurance Rates

The average insurance rates for a Nissan Z are $1,592 a year for full coverage. Comprehensive insurance costs an estimated $432 a year, collision insurance costs $686, and liability coverage costs $338. Liability-only coverage costs as little as $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 broken down by type of insurance:

Prices include $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and Z trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. More rural locations are shown to have lower incidents of accident claims than congested cities. The diagram below illustrates how geographic area affects insurance prices.

The examples above show why it is important to compare rates for a targeted area, rather than using rate averages.

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

More Rate Information

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

• The best full coverage rate is $905
• Drivers who choose higher $1,000 deductibles will pay approximately $1,336 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,592
• Buying low $100 deductibles for comprehensive and collision insurance will cost an additional $488 each year
• High-risk insureds with multiple tickets or accidents could pay up to $3,412
• Policy cost that insures a teenage 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 the trim level of your Z, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,800 to $2,500 additional every year, depending on your age. A high-risk auto insurance policy can cost around 45% to 127% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,500 per year on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $5,500 a year. View Rates by Age

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 at least $2,270 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $750 a year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $304 more each year. View Rates by Deductible or Liability Limit

How to Find the Right Nissan Z Insurance

Finding cheaper rates on auto insurance not only requires being a good driver, but also having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Comparison shop at least every other year by requesting rates from direct carriers, and also from your local independent and exclusive agents.

The following list is a quick rundown of the car insurance concepts presented in the illustrations above.

• Drivers with reckless driving or DUI convictions may pay on average $1,820 more annually than a safer driver
• Drivers can save approximately $200 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $750 each year
• Consumers who want an increased level of liability coverage will pay around $370 each year to go from a 30/60 limit to the 250/500 level