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...
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UPDATED: Mar 28, 2024
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Average insurance prices for a Nissan Z are $1,592 every 12 months for full coverage insurance. Comprehensive costs an estimated $432 a year, collision costs $686, and liability insurance is estimated at $338. Buying just liability costs approximately $394 a year, with insurance for high-risk drivers costing around $3,412. Teens receive the highest rates at $5,566 a year or more.
Average premium for full coverage: $1,592
Rate estimates broken down by individual coverage type:
Estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and Z trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from the cheapest price of $394 for basic liability insurance to a high of $3,412 for a high-risk driver policy.
Price Range by Location
Living in a larger city has a significant impact on the price of insurance. More rural locations tend to have more infrequent physical damage claims than cities with more traffic congestion.
The diagram below illustrates how location helps determine insurance prices.
These examples illustrate why it is important to get quotes for a targeted area and their own driving history, rather than relying on 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.
Rate Comparisons
The chart below illustrates estimated Nissan Z insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $905
- Choosing higher $1,000 deductibles can save approximately $1,336 each year
- The average price for a 40-year-old driver who has $500 deductibles is $1,592
- Selecting low $100 deductibles for comp and collision coverage increases the price to $2,080
- High-risk insureds with serious driving violations could pay up to $3,412 or more
- The cost to insure a teen driver can cost as much as $5,566 each year
Auto insurance rates for a Nissan Z can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles can save as much as $750 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $304 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles could pay as little as $1,500 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay at least $5,500 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying $1,800 to $2,500 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 45% to 127% more than the average policy. View High Risk Driver Rates
Where you live plays a big part in determining prices for Nissan Z insurance rates. A good driver about age 40 could pay as low as $1,040 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,150 on average in Florida, New York, and Michigan.
| 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 so much variability in rates, the only way to figure out which company is cheapest is to get quotes from as many companies as possible. Each auto insurer calculates rates differently, and quoted rates can be significantly different.
| 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 Shop for Low Cost Nissan Z Insurance
Saving money on Nissan Z insurance takes being a safe and courteous driver, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest time comparing rates every time your policy renews by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
Below is a review of the information covered in the charts and tables above.
- It is possible to save approximately $200 per year simply by quoting early and online
- Teenage drivers are the costliest to insure, costing up to $464 per month if comprehensive and collision insurance is included
- Increasing deductibles could save as much as $750 each year
- High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,820 more annually for auto insurance
- Drivers who want higher levels of liability will pay approximately $370 annually to raise limits from a minimum limit to a 250/500 level
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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