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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Estimated insurance prices for a Nissan Z are $1,592 every 12 months including full coverage. Comprehensive insurance costs approximately $432 each year, collision costs $686, and liability coverage costs around $338. Liability-only insurance costs as low as $394 a year, with high-risk driver insurance costing $3,412 or more. Teens pay the most at $5,566 a year or more.
Average premium for full coverage: $1,592
Premium estimates by type of coverage:
Estimates include $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and Z models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Nissan Z go from the cheapest price of $394 for your basic liability-only policy to a high rate of $3,412 for a policy for a high-risk driver.
Insurance Price Range by Location
Where you live has a large influence on car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion.
The graphic below illustrates how location helps determine auto insurance prices.
These rate differences highlight why all drivers should compare prices using their specific location and their own driving history, rather than 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 breaks down estimated Nissan Z insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $905
- Using higher $1,000 deductibles will save $256 every year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,592
- Selecting low deductibles for physical damage coverage costs an extra $488 each year
- Higher-risk drivers with serious driving violations could pay around $3,412 or more
- An auto insurance policy to insure a teenage driver can cost $5,566 or more
Insurance prices for a Nissan Z also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model of your Z.
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $750 a year, whereas increasing liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $304 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may only pay around $1,500 a year, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay in the ballpark of $5,500 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $1,800 to $2,500 additional annually, depending on your age. Insurance for high-risk drivers can be around 45% to 127% more than the average policy. View High Risk Driver Rates
Where you choose to live has a huge impact on Nissan Z insurance rates. A driver around age 40 might see prices as low as $1,220 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,270 on average in Louisiana, 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 such a large range in prices, the best way to figure out who has the best auto insurance prices is to do a rate comparison and see how they stack up. Each insurance company calculates prices differently, and prices will be substantially 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
Finding better rates on auto insurance requires being safe and accident-free, having above-average credit, refrain from filing small claims, and qualifying for all possible discounts. Invest time comparing rates every year by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.
Below you'll find a review of the coverage data covered in the charts and tables above.
- You may be able to save around $200 per year simply by quoting online in advance
- Increasing policy deductibles could save as much as $750 each year
- Youthful drivers are the costliest to insure, with the cost nearing $464 per month if full coverage is included
- Drivers who have several accidents or serious violations could be charged and average of $1,820 more per year than a low-risk driver
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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