Nissan Z Insurance Rates

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UPDATED: Mar 28, 2024

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The average insurance prices for a Nissan Z are $1,592 every 12 months with full coverage. Comprehensive insurance costs around $432, collision insurance costs $686, and liability coverage is estimated at $338. Liability-only coverage costs approximately $394 a year, and high-risk coverage costs $3,412 or more. Teens 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:

Comprehensive $432
Collision $686
Liability $338

Prices are based on $500 deductible amounts, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different Z trim levels.

Price Range Variability

For a driver in their 40's, Nissan Z insurance rates range from the cheapest price of $394 for just liability insurance to a much higher rate of $3,412 for a high-risk insurance policy.

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

Urban vs. Rural Price Range

Living in a larger city has a large influence on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than cities with more traffic congestion. The price range example below illustrates how location helps determine auto insurance rates.

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

The examples above demonstrate why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, 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.

More Rate Details

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

  • The cheapest rate after discounts is $905
  • Choosing higher $1,000 deductibles can save about $256 annually
  • The average price for a good driver age 40 using $500 deductibles is $1,592
  • Selecting more expensive low deductibles for comp and collision coverage costs an extra $488 each year
  • Drivers with serious driving violations could pay at least $3,412
  • Policy cost to insure a teenage driver with full coverage can be $5,566 each year

View Chart as Image

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

Insurance rates for a Nissan Z also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can save as much as $750 a year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $304 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may only pay around $1,500 annually on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $5,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,800 to $2,500 additional every year, depending on your age. High-risk driver insurance ranges around 45% to 127% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Nissan Z insurance rates. A good driver about age 40 could pay as low as $1,150 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,150 on average in Florida, Michigan, and New York.

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
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 Shop for Affordable Nissan Z Insurance

Finding cheaper rates on auto insurance takes having a good driving record, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Invest time comparing rates at least every other year by getting quotes from direct companies, and also from several local insurance agents.

The next list is a brief review of the car insurance concepts covered in the charts and tables above.

  • Drivers with DUI or reckless driving convictions pay on average $1,820 more every year to buy Nissan Z insurance
  • You may be able to save up to $200 per year just by shopping early and online
  • Increasing comprehensive and collision deductibles could save as much as $750 each year
  • Consumers who may need increased levels of liability coverage will pay approximately $370 every year to raise limits from a 30/60 limit to a 250/500 level

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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