Nissan Z Insurance Rates
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UPDATED: Mar 28, 2024
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Average insurance rates for a Nissan Z are $1,642 a year including full coverage. Comprehensive costs an estimated $472 each year, collision costs $718, and liability is $316. Buying just liability costs around $376 a year, with insurance for high-risk drivers costing around $3,508. Teen drivers receive the highest rates at $5,654 a year or more.
Average premium for full coverage: $1,642
Rate estimates broken down by individual coverage type:
Price estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and Z models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from as low as $376 for a discount liability-only rate to a high rate of $3,508 for a driver who has had serious violations or accidents.
Price Range by Location
Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than larger metro areas.
The graphic below illustrates how where you live affects insurance prices.
These examples highlight why all drivers should compare rates quotes for a targeted area and risk profile, instead of using 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.
Rates by State, City, and Model
The chart below breaks down estimated Nissan Z insurance rates for other coverage scenarios.
- The lowest rate with discounts is $935
- Raising to $1,000 deductibles will save approximately $272 every year
- The average rate for a 40-year-old driver who has $500 deductibles is $1,642
- Choosing low deductibles will increase the cost to $2,162
- At-risk drivers with multiple violations and an at-fault accident could pay up to $3,508 or more
- The cost for full coverage for a teen driver can cost as much as $5,654
Auto insurance rates for a Nissan Z can also vary considerably based on your driver profile, the model of your Z, and liability limits and deductibles.
More mature drivers with a good driving record and high deductibles may pay as little as $1,500 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay at least $5,600 a year. View Rates by Age
Where you live also has a big influence on Nissan Z insurance prices. A middle-age driver might find rates as low as $1,260 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,340 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,484 | -$158 | -9.6% |
| Alaska | $1,258 | -$384 | -23.4% |
| Arizona | $1,362 | -$280 | -17.1% |
| Arkansas | $1,642 | -$0 | 0.0% |
| California | $1,872 | $230 | 14.0% |
| Colorado | $1,566 | -$76 | -4.6% |
| Connecticut | $1,688 | $46 | 2.8% |
| Delaware | $1,856 | $214 | 13.0% |
| Florida | $2,052 | $410 | 25.0% |
| Georgia | $1,518 | -$124 | -7.6% |
| Hawaii | $1,182 | -$460 | -28.0% |
| Idaho | $1,112 | -$530 | -32.3% |
| Illinois | $1,224 | -$418 | -25.5% |
| Indiana | $1,238 | -$404 | -24.6% |
| Iowa | $1,108 | -$534 | -32.5% |
| Kansas | $1,558 | -$84 | -5.1% |
| Kentucky | $2,240 | $598 | 36.4% |
| Louisiana | $2,432 | $790 | 48.1% |
| Maine | $1,016 | -$626 | -38.1% |
| Maryland | $1,356 | -$286 | -17.4% |
| Massachusetts | $1,310 | -$332 | -20.2% |
| Michigan | $2,852 | $1,210 | 73.7% |
| Minnesota | $1,376 | -$266 | -16.2% |
| Mississippi | $1,968 | $326 | 19.9% |
| Missouri | $1,458 | -$184 | -11.2% |
| Montana | $1,764 | $122 | 7.4% |
| Nebraska | $1,294 | -$348 | -21.2% |
| Nevada | $1,970 | $328 | 20.0% |
| New Hampshire | $1,184 | -$458 | -27.9% |
| New Jersey | $1,836 | $194 | 11.8% |
| New Mexico | $1,452 | -$190 | -11.6% |
| New York | $1,730 | $88 | 5.4% |
| North Carolina | $946 | -$696 | -42.4% |
| North Dakota | $1,346 | -$296 | -18.0% |
| Ohio | $1,132 | -$510 | -31.1% |
| Oklahoma | $1,684 | $42 | 2.6% |
| Oregon | $1,504 | -$138 | -8.4% |
| Pennsylvania | $1,566 | -$76 | -4.6% |
| Rhode Island | $2,190 | $548 | 33.4% |
| South Carolina | $1,488 | -$154 | -9.4% |
| South Dakota | $1,386 | -$256 | -15.6% |
| Tennessee | $1,436 | -$206 | -12.5% |
| Texas | $1,980 | $338 | 20.6% |
| Utah | $1,216 | -$426 | -25.9% |
| Vermont | $1,122 | -$520 | -31.7% |
| Virginia | $984 | -$658 | -40.1% |
| Washington | $1,266 | -$376 | -22.9% |
| West Virginia | $1,506 | -$136 | -8.3% |
| Wisconsin | $1,136 | -$506 | -30.8% |
| Wyoming | $1,462 | -$180 | -11.0% |
Choosing high deductibles can reduce rates by up to $800 every year, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $285 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying $1,900 to $2,500 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 44% to 130% more than average. View High Risk Driver Rates
With so much variability in rates, the best way to figure out which company is cheapest is to do a rate comparison and see which company has the best rate. Every auto insurance company uses a different rate calculation, and quoted rates can be significantly different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Nissan Z | $472 | $718 | $316 | $1,642 |
| 2023 Nissan Z | $450 | $690 | $332 | $1,608 |
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 Cheaper Nissan Z Insurance
Saving money on car insurance consists of having a decent driving record, having good credit, not filing small claims, and qualifying for all possible discounts. Take the time to comparison shop every other policy renewal by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.
The following items are a condensed summary of the ideas that were touched on in the above illustrations.
- 16 to 18-year-old drivers are the costliest to insure, as much as $471 per month if they have full coverage
- Higher risk drivers with multiple at-fault accidents may pay on average $1,870 more annually than a driver with a clean driving record
- Increasing deductibles can save around $800 each year
- You may be able to save approximately $200 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,654 |
| 20 | $3,706 |
| 30 | $1,740 |
| 40 | $1,642 |
| 50 | $1,490 |
| 60 | $1,462 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,162 |
| $250 | $1,924 |
| $500 | $1,642 |
| $1,000 | $1,370 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,642 |
| 50/100 | $1,705 |
| 100/300 | $1,784 |
| 250/500 | $1,990 |
| 100 CSL | $1,737 |
| 300 CSL | $1,911 |
| 500 CSL | $2,037 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,134 |
| 20 | $5,878 |
| 30 | $3,614 |
| 40 | $3,508 |
| 50 | $3,334 |
| 60 | $3,300 |
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 | $90 |
| Multi-vehicle | $80 |
| Homeowner | $21 |
| 5-yr Accident Free | $126 |
| 5-yr Claim Free | $106 |
| Paid in Full/EFT | $81 |
| Advance Quote | $83 |
| Online Quote | $120 |
| Total Discounts | $707 |
Discounts are estimated and may not be available from every company or in every state.
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