Nissan Z Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Mar 28, 2024
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Average auto insurance rates for a Nissan Z are $1,592 annually including full coverage. Comprehensive costs an estimated $432, collision insurance costs $686, and liability insurance is $338. A policy with just liability insurance costs around $394 a year, and coverage for high-risk drivers costs around $3,412. 16-year-old drivers receive the highest rates at up to $5,566 a year.
Average premium for full coverage: $1,592
Rate estimates broken down by individual coverage type:
Prices include $500 physical damage deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and for different Z trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from as cheap as $394 for minimum levels of liability insurance to a much higher rate of $3,412 for high-risk insurance.
Price Range by Location
Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than congested cities. The price range example below illustrates how rural and urban location affects insurance prices.
These examples highlight why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, rather than relying on rate 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.
Additional Rate Details
The chart below breaks down average Nissan Z insurance rates for other coverage scenarios.
- The best full coverage rate is $905
- Raising to $1,000 deductibles will save approximately $256 every year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,592
- Buying more expensive low deductibles will cost $2,080
- Higher-risk drivers with multiple tickets or accidents could pay up to $3,412
- The cost with full coverage for a teen driver with full coverage can cost as much as $5,566
Insurance rates for a Nissan Z can also vary considerably based on the trim level of your Z, your driving characteristics, and liability limits and deductibles.
An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,500 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay at least $5,500 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying $1,800 to $2,500 additional per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 45% to 127% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce rates by up to $750 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $304 more each year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Nissan Z insurance rates. A middle-age driver might find rates as low as $1,220 a year in states like Vermont, New Hampshire, and Missouri, or at least $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% |
| 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 the Right Nissan Z Insurance
Saving money on Nissan Z insurance consists of being a safe and courteous driver, having good credit, not filing small claims, and possibly raising deductibles. Set aside time to shop around every couple of years by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
Below is a quick rundown of the material that was raised in the charts and tables above.
- Drivers who want higher levels of liability will pay around $370 per year to raise from a minimum limit to higher 250/500 limits
- Teenage drivers are expensive to insure, as much as $464 per month if they have full coverage
- High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,820 more annually for auto insurance
- Increasing 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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