Nissan Z Insurance Rates

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UPDATED: Mar 28, 2024

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U.S. average auto insurance rates for a Nissan Z are $1,592 annually with full coverage. Comprehensive costs approximately $432 a year, collision insurance costs $686, and liability is $338. Buying just liability costs around $394 a year, and insurance for high-risk drivers costs around $3,412. Teen drivers pay the highest rates at up to $5,566 a year.

Average premium for full coverage: $1,592

Price estimates by individual coverage:

Comprehensive $432
Collision $686
Liability $338

Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and Z trim levels.

Price Range from Low to High

For a driver around age 40, Nissan Z insurance prices range from as cheap as $394 for minimum levels of liability insurance to a high of $3,412 for high-risk insurance.

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

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of insurance. Rural locations have fewer collision claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

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

The ranges above demonstrate why it is important to compare rates quotes using their specific location and their own personal driving habits, 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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Additional Rate Details

The chart below details average Nissan Z insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $905
  • Raising to $1,000 deductibles will save $1,336 annually
  • The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,592
  • Choosing low $100 deductibles will cost $2,080
  • Drivers with multiple violations and an at-fault accident could pay around $3,412
  • The price with full coverage for a 16-year-old driver can cost $5,566

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

Insurance prices for a Nissan Z are also quite variable based on the trim level and model year, your driving record, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,500 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,800 to $2,500 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 45% to 127% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $750 annually, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $304 more each year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Nissan Z insurance prices. A middle-age driver might find prices as low as $1,150 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,150 on average in New York, Michigan, and Florida.

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
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 Buy Affordable Nissan Z Insurance

Getting lower rates on insurance for a Nissan Z consists of avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Set aside time to compare rates every couple of years by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The list below is a brief review of the material that was covered above.

  • Insureds who purchase higher liability limits will pay about $370 every year to raise from a low limit to higher 250/500 limits
  • Teenagers are the costliest to insure, costing up to $464 a month if they have full coverage
  • Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,820 more per year for car insurance
  • Increasing physical damage deductibles could save up to $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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