Nissan Z Insurance Rates

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UPDATED: Mar 28, 2024

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Average auto insurance rates for a Nissan Z are $1,592 annually including full coverage. Comprehensive costs approximately $432, collision costs $686, and liability coverage is estimated at $338. A policy with just liability insurance costs approximately $394 a year, with coverage 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 by individual coverage type:

Comprehensive $432
Collision $686
Liability $338

Rate estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all Z models.

Price Range by Coverage and Risk

For the average driver, prices range go from as cheap as $394 for just liability coverage to the much higher price of $3,412 for a policy for a high-risk driver.

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

Price Range by Location

Living in a larger city has a large influence on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how location impacts auto insurance prices.

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

These examples highlight why everyone should get quotes using their specific location and their own personal driving habits, 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.

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Detailed Rate Analysis

The chart below breaks down estimated Nissan Z insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $905
  • Choosing higher $1,000 deductibles can save $256 every year
  • The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,592
  • Selecting pricier low deductibles for comp and collision coverage will cost $2,080
  • Drivers with serious driving violations could pay around $3,412 or more
  • The cost with full coverage for a teenage driver for full coverage can cost $5,566 each year

View Chart as Image

Nissan Z insurance cost comparison chart
Column chart showing full coverage Nissan Z insurance rates range from $905 to $5,566

Insurance rates for a Nissan Z can also vary considerably based on the trim level of your Z, your driving characteristics, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,500 annually on average for full coverage. Rates are much higher for teen 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 like to drive fast or you caused a few accidents, you are likely paying anywhere from $1,800 to $2,500 additional per year, depending on your age. Nissan Z insurance for high-risk drivers ranges around 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 a year, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $304 more each year. View Rates by Deductible or Liability Limit

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 $1,220 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.

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

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to regularly compare rates and see how they stack up. Each auto insurer calculates rates differently, and rates can be significantly different between companies.

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 the Best Nissan Z Insurance

Saving money on auto insurance takes being a low-risk driver, having good credit, not filing small claims, and qualifying for all possible discounts. Spend time shopping around every year by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.

The items below are a brief recap of the coverage data touched on above.

  • You may be able to save around $200 per year simply by quoting online well ahead of the renewal date
  • Increasing deductibles could save up to $750 each year
  • Teen drivers are the costliest to insure, as much as $464 per month if they have full coverage
  • Drivers who tend to receive serious violations may have to pay on average $1,820 more per year to insure their Z

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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