Nissan Z Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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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U.S. average insurance prices for a Nissan Z are $1,608 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $450, collision insurance costs $690, and liability insurance is $332. Liability-only insurance costs around $388 a year, and high-risk driver insurance costs $3,438 or more. Teenage drivers pay the highest rates at up to $5,580 a year.
Average premium for full coverage: $1,608
Price estimates broken down by individual coverage:
Full coverage includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and for all Z models.
Price Range from Low to High
For the normal driver, Nissan Z insurance prices range from the cheapest price of $388 for minimum levels of liability insurance to the much higher price of $3,438 for coverage for higher-risk drivers.
Geographic Price Range
Choosing to live in a large city has a significant impact on the price of insurance. More rural locations have more infrequent physical damage claims than densely populated cities. The example below illustrates how geographic area affects insurance prices.
The ranges above illustrate why everyone should compare rates quotes for a targeted area and their own driving history, 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.
Additional Rate Details
The chart below illustrates average Nissan Z insurance rates for other coverage scenarios.
- The best discount rate is $915
- Raising to $1,000 deductibles will save approximately $260 each year
- The average price for the average middle-age driver who has $500 deductibles is $1,608
- Using pricier low deductibles costs an extra $498 a year
- Higher-risk drivers who are prone to accidents and violations could pay up to $3,438
- The price to insure a teen driver for full coverage can cost as much as $5,580
Car insurance prices for a Nissan Z are also quite variable based on deductibles and policy limits, your risk profile, and the model year and trim level.
Using high physical damage deductibles can reduce prices by up to $760 each year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $299 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles could pay as little as $1,500 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged at least $5,500 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying $1,900 to $2,500 extra each year, depending on your age. Nissan Z insurance for high-risk drivers is expensive and can cost anywhere from 45% to 133% more than a normal policy. View High Risk Driver Rates
The state you live in also has a big influence on Nissan Z insurance rates. A middle-age driver might find prices as low as $1,050 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,170 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,452 | -$156 | -9.7% |
| Alaska | $1,234 | -$374 | -23.3% |
| Arizona | $1,334 | -$274 | -17.0% |
| Arkansas | $1,608 | -$0 | 0.0% |
| California | $1,834 | $226 | 14.1% |
| Colorado | $1,534 | -$74 | -4.6% |
| Connecticut | $1,650 | $42 | 2.6% |
| Delaware | $1,818 | $210 | 13.1% |
| Florida | $2,008 | $400 | 24.9% |
| Georgia | $1,486 | -$122 | -7.6% |
| Hawaii | $1,156 | -$452 | -28.1% |
| Idaho | $1,090 | -$518 | -32.2% |
| Illinois | $1,196 | -$412 | -25.6% |
| Indiana | $1,212 | -$396 | -24.6% |
| Iowa | $1,084 | -$524 | -32.6% |
| Kansas | $1,526 | -$82 | -5.1% |
| Kentucky | $2,192 | $584 | 36.3% |
| Louisiana | $2,378 | $770 | 47.9% |
| Maine | $992 | -$616 | -38.3% |
| Maryland | $1,328 | -$280 | -17.4% |
| Massachusetts | $1,282 | -$326 | -20.3% |
| Michigan | $2,792 | $1,184 | 73.6% |
| Minnesota | $1,346 | -$262 | -16.3% |
| Mississippi | $1,926 | $318 | 19.8% |
| Missouri | $1,428 | -$180 | -11.2% |
| Montana | $1,726 | $118 | 7.3% |
| Nebraska | $1,266 | -$342 | -21.3% |
| Nevada | $1,928 | $320 | 19.9% |
| New Hampshire | $1,158 | -$450 | -28.0% |
| New Jersey | $1,798 | $190 | 11.8% |
| New Mexico | $1,422 | -$186 | -11.6% |
| New York | $1,692 | $84 | 5.2% |
| North Carolina | $926 | -$682 | -42.4% |
| North Dakota | $1,318 | -$290 | -18.0% |
| Ohio | $1,106 | -$502 | -31.2% |
| Oklahoma | $1,648 | $40 | 2.5% |
| Oregon | $1,472 | -$136 | -8.5% |
| Pennsylvania | $1,532 | -$76 | -4.7% |
| Rhode Island | $2,144 | $536 | 33.3% |
| South Carolina | $1,458 | -$150 | -9.3% |
| South Dakota | $1,356 | -$252 | -15.7% |
| Tennessee | $1,406 | -$202 | -12.6% |
| Texas | $1,938 | $330 | 20.5% |
| Utah | $1,192 | -$416 | -25.9% |
| Vermont | $1,098 | -$510 | -31.7% |
| Virginia | $962 | -$646 | -40.2% |
| Washington | $1,242 | -$366 | -22.8% |
| West Virginia | $1,474 | -$134 | -8.3% |
| Wisconsin | $1,112 | -$496 | -30.8% |
| Wyoming | $1,432 | -$176 | -10.9% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Nissan Z | $450 | $690 | $332 | $1,608 |
| 2023 Nissan Z | $432 | $686 | $338 | $1,592 |
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 Shop for More Affordable Nissan Z Insurance
Getting lower rates on Nissan Z insurance consists of having a decent driving record, maintaining a good credit score, not filing small claims, and possibly higher deductibles. Invest the time to compare rates at least once a year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following items are a summary of the primary concepts that were presented in the illustrations above.
- It is possible to save approximately $200 per year just by quoting online well ahead of the renewal date
- High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,830 more annually than a driver with a clean driving record
- Increasing physical damage deductibles could save as much as $750 each year
- 16 to 18-year-old drivers have the highest car insurance prices, as much as $465 a month if the policy includes full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,580 |
| 20 | $3,634 |
| 30 | $1,698 |
| 40 | $1,608 |
| 50 | $1,460 |
| 60 | $1,432 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,106 |
| $250 | $1,878 |
| $500 | $1,608 |
| $1,000 | $1,348 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,608 |
| 50/100 | $1,674 |
| 100/300 | $1,757 |
| 250/500 | $1,973 |
| 100 CSL | $1,708 |
| 300 CSL | $1,890 |
| 500 CSL | $2,023 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,024 |
| 20 | $5,768 |
| 30 | $3,542 |
| 40 | $3,438 |
| 50 | $3,270 |
| 60 | $3,238 |
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 | $88 |
| Multi-vehicle | $79 |
| Homeowner | $21 |
| 5-yr Accident Free | $123 |
| 5-yr Claim Free | $104 |
| Paid in Full/EFT | $79 |
| Advance Quote | $81 |
| Online Quote | $118 |
| Total Discounts | $693 |
Discounts are estimated and may not be available from every company or in every state.
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