Nissan Z Insurance Rates

Average insurance rates for a Nissan Z are $1,592 a year for full coverage. Comprehensive costs around $432 a year, collision insurance costs $686, and liability insurance is $338. Buying just liability costs around $394 a year, and insurance for high-risk drivers costs around $3,412. Teenage drivers receive the highest rates at up to $5,566 a year.

Average premium for full coverage: $1,592

Rate estimates for individual coverage type:

Prices include $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and Z trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than densely populated cities. The diagram below illustrates the effect of geographic area on auto insurance rates.

These examples show why it is important to compare rates quotes for a specific zip code, rather than relying on average rates.

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

Rates by State, City, and Model

The chart below shows average Nissan Z insurance rates for additional coverage choices and driver risks.

• The best discount rate is $905
• Raising to $1,000 deductibles will save about $1,336 a year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,592
• Using low $100 deductibles bumps up the cost to $2,080
• Higher-risk drivers who are prone to accidents and violations could pay at least $3,412
• The cost that insures a teen driver can be $5,566

View Chart as Image

Auto insurance rates for a Nissan Z can also vary considerably based on the trim level of your Z, how you drive, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you could be paying at least $1,800 to $2,500 in extra premium per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 45% to 127% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,500 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay as much as $5,500 a year. View Rates by Age

Where you live also has a big influence on Nissan Z insurance rates. A middle-age driver might find rates as low as $1,050 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,270 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $750 each year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $304 extra every year. View Rates by Deductible or Liability Limit

How to Find the Right Nissan Z Insurance

Saving money on Nissan Z insurance consists of avoiding accidents and violations, maintaining a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Compare prices every couple of years by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a quick rundown of the material that was covered in the above illustrations.

• Drivers who may need higher liability limits will pay an extra $370 each year to raise from a minimum limit to the 250/500 level
• Teenagers are expensive to insure, costing as high as $464 per month if the policy includes full coverage
• High-risk drivers with reckless driving or DUI convictions pay on average $1,820 more every year for car insurance
• Increasing deductibles can save approximately $750 each year