Nissan Z Insurance Rates

The average insurance rates for a Nissan Z are $1,592 a year for full coverage. Comprehensive costs around $432 a year, collision insurance costs $686, and liability insurance costs $338. A liability-only policy costs as little as $394 a year, and high-risk insurance costs around $3,412. 16-year-old drivers cost the most to insure at up to $5,566 a year.

Average premium for full coverage: $1,592

Policy rates for type of insurance:

Estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and Z trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than congested cities. The diagram below illustrates how where you live affects auto insurance rates.

The examples above show why it is important to compare rates for a specific zip code and risk profile, rather than relying on rate averages.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below shows average Nissan Z insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $905
• Drivers who choose higher $1,000 deductibles will pay about $1,336 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,592
• Buying low $100 deductibles for comprehensive and collision insurance will increase the cost to $2,080
• High risk drivers with multiple tickets or accidents could pay at least $3,412
• Policy cost for full coverage for a teen driver can be $5,566 a year

View Chart as Image

Car insurance rates for a Nissan Z also range considerably based on your risk profile, the trim level of your Z, and deductibles and policy limits.

Older drivers with no driving violations and high deductibles could pay as little as $1,500 per year on average, or $125 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged as much as $5,500 a year. View Rates by Age

Your home state makes a big difference in Nissan Z insurance rates. A 40-year-old driver could pay as low as $1,050 a year in states like Idaho, Maine, and Iowa, or at least $2,270 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could save up to $750 each year, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $304 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,800 to $2,500 extra every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 45% to 127% more than the average rate. View High Risk Driver Rates

How to Find Low Cost Nissan Z Insurance

Finding cheaper rates on Nissan Z insurance not only requires being a low-risk driver, but also having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Take the time to comparison shop every couple of years by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The items below are a review of the material that was touched on in the above illustrations.

• Drivers who may need more liability coverage will pay around $370 each year to go from a 30/60 limit to 250/500 limits
• Teen drivers are the costliest to insure, costing up to $464 each month if full coverage is included
• High-risk drivers who have several accidents or serious violations may be required to pay an average of $1,820 more every year to insure their Z
• Increasing comprehensive and collision deductibles can save around $750 each year