Nissan Z Insurance Rates
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a Nissan Z are $1,592 annually for full coverage. Comprehensive insurance costs approximately $432, collision costs $686, and liability is $338. Buying just liability costs around $394 a year, with insurance for high-risk drivers costing $3,412 or more. Teenage drivers cost the most to insure at $5,566 a year or more.
Average premium for full coverage: $1,592
Policy rates by type of insurance:
Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for all Z models.
Price Range Variability
For the average 40-year-old driver, Nissan Z insurance rates go from as cheap as $394 for basic liability insurance to the much higher price of $3,412 for high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on car insurance rates. Rural locations are shown to have fewer accident claims than densely populated cities.
The example below illustrates the difference location can make on auto insurance prices.
The examples above show why everyone should compare rates quotes using their specific location and their own personal driving habits, instead of using 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.
Rate Comparisons
The chart below shows estimated Nissan Z insurance rates for additional coverage and risk scenarios.
- The best discount rate is $905
- Raising to $1,000 deductibles will save $256 a year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,592
- Using pricier low deductibles costs an additional $488 every year
- At-risk drivers who are prone to accidents and violations could pay around $3,412 or more
- Policy cost with full coverage for a teen driver for full coverage can cost $5,566
Insurance rates for a Nissan Z also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.
A more mature driver with a clean driving record and high physical damage deductibles may pay as little as $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $5,500 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $1,800 to $2,500 extra every year, depending on your age. Nissan Z insurance for high-risk drivers is expensive and can cost as much as 45% to 127% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce rates by up to $750 every year, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $304 more per year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Nissan Z insurance prices. A middle-age driver might find rates as low as $1,050 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,270 on average in New York, Louisiana, 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% |
Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to regularly compare rates and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, so the rates will be varied between companies.
| 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 Affordable Nissan Z Insurance
Finding cheaper rates on car insurance consists of having a decent driving record, having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Make time to compare rates every couple of years by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following items are a brief review of the material that was touched on in this article.
- Policyholders who purchase additional liability coverage will pay an extra $370 each year to raise from a 30/60 limit to higher 250/500 limits
- 16 to 18-year-old drivers are expensive to insure, costing up to $464 each month including comprehensive and collision insurance
- Higher risk drivers with DUI or reckless driving convictions pay on average $1,820 more per year than a driver with a clean driving record
- Increasing comprehensive and collision deductibles could save up to $750 each year
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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