Nissan Z Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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Estimated auto insurance rates for a Nissan Z are $1,592 annually for full coverage insurance. Comprehensive costs around $432 a year, collision costs $686, and liability is estimated at $338. A liability-only policy costs approximately $394 a year, with high-risk insurance costing around $3,412. Teens pay the most at $5,566 a year or more.
Average premium for full coverage: $1,592
Premium estimates for type of coverage:
Estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and Z trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Nissan Z go from as cheap as $394 for your basic liability-only policy to a high of $3,412 for a high-risk driver policy.
Insurance Price Range by Location
Living in a larger city can have significant affects on car insurance rates. Areas with sparse population are statistically proven to have fewer physical damage claims than cities with more traffic congestion.
The diagram below illustrates how where you live affects auto insurance rates.
These rate differences illustrate why it is important to get quotes for a specific zip code and their own personal driving habits, instead of using averaged prices.
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 illustrates estimated Nissan Z insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $905
- Choosing higher $1,000 deductibles can save about $1,336 each year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,592
- Selecting low $100 deductibles for comp and collision coverage will cost $2,080
- Unlucky drivers with serious driving violations could pay at least $3,412 or more
- An auto insurance policy with full coverage for a teen driver can be $5,566 each year
Auto insurance prices for a Nissan Z also have a wide range based on the model of your Z, your risk profile, and deductibles and policy limits.
Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,500 annually on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay as much as $5,500 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying at least $1,800 to $2,500 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges as much as 45% to 127% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $750 every year, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $304 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live 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 have to pay at least $2,150 on average in Michigan, New York, and Florida.
| 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% |
With such a large range in prices, the only way to figure out your exact price is to get quotes and see which company has the best price. Each auto insurer calculates prices differently, and quoted prices will be substantially different 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 better rates on car insurance takes having a decent driving record, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to comparison shop every time your policy renews by requesting rates from direct insurance companies, and also from several local insurance agents.
The following items are a review of the information touched on in the above illustrations.
- It is possible to save up to $200 per year simply by quoting early and online
- 16 to 18-year-old drivers are expensive to insure, with premiums being up to $464 per month if full coverage is included
- Increasing policy deductibles could save up to $750 each year
- Higher risk drivers who have several accidents or serious violations pay on average $1,820 more every year than a driver with a clean driving record
- Policyholders who may need additional liability coverage will pay approximately $370 annually to raise limits from 30/60 bodily injury limits to higher 250/500 limits
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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