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 rates for a Nissan Z are $1,592 a year including full coverage. Comprehensive costs approximately $432 a year, collision costs $686, and liability costs around $338. A liability-only policy costs as low as $394 a year, with high-risk insurance costing around $3,412. Teen drivers pay the most at $5,566 a year or more.
Average premium for full coverage: $1,592
Premium estimates by type of coverage:
Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and Z trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Nissan Z go from as low as $394 for your basic liability-only policy to a high of $3,412 for a high-risk driver policy.
Insurance Price Range by Location
Where you live can make a big difference on car insurance prices. Rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than larger metro areas.
The diagram below illustrates how geographic area affects auto insurance prices.
These rate differences highlight why it is important to compare prices using their specific location and risk profile, 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.
More Rate Information
The chart below breaks down estimated Nissan Z insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $905
- Using higher $1,000 deductibles will save $1,336 every year
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,592
- Choosing low $100 deductibles for physical damage coverage will increase the cost to $2,080
- High-risk insureds with multiple violations and an at-fault accident could pay around $3,412 or more
- An auto insurance policy for full coverage for a 16-year-old driver can cost $5,566 or more
Auto insurance prices for a Nissan Z also have a wide range based on your driving characteristics, the model of your Z, and physical damage deductibles and liability limits.
Older drivers with a good driving record and high deductibles may pay as low as $1,500 a year, or $125 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay in the ballpark of $5,500 a year. View Rates by Age
Where you choose to live has a huge impact on Nissan Z insurance prices. A driver around age 40 might see prices as low as $1,220 a year in states like Vermont, New Hampshire, and Missouri, or as much as $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% |
Choosing high deductibles could cut prices by as much as $750 annually, while buying higher liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will cost up to $304 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying anywhere from $1,800 to $2,500 in extra premium annually, depending on your age. A high-risk auto insurance policy can be from 45% to 127% more than average. View High Risk Driver Rates
With such a large range in prices, the best way to figure out who has the best auto insurance prices is to get quotes from multiple companies. Each insurance company uses a different rate calculation, and quoted prices will be substantially different from one company to the next.
| 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 Find Affordable Nissan Z Insurance
Finding better rates on insurance for a Nissan Z requires being safe and accident-free, having good credit, refrain from filing small claims, and not having any coverage lapses. Invest the time to compare rates every time your policy renews by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
Below you'll find a brief review of the information presented in the illustrations above.
- You may be able to save around $200 per year simply by quoting early and online
- Youthful drivers have the highest car insurance prices, with the cost nearing $464 per month if they have full coverage
- Increasing policy deductibles can save around $750 each year
- Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,820 more per year than a low-risk driver
- Insureds who purchase more liability protection will pay about $370 per year to increase from 30/60 bodily injury limits to 250/500 limits
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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