Nissan Z Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated insurance rates for a Nissan Z are $1,608 a year with full coverage. Comprehensive costs on average $450 each year, collision costs $690, and liability insurance costs $332. Liability-only coverage costs as little as $388 a year, with high-risk coverage costing around $3,438. Teens pay the most at $5,580 a year or more.
Average premium for full coverage: $1,608
Premium estimates by type of coverage:
Rate estimates include $500 deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and Z models.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Nissan Z go from as low as $388 for your basic liability-only policy to a high rate of $3,438 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Your location has a significant impact on auto insurance rates. Rural areas are statistically proven to have a lower frequency of collision claims than cities with more traffic congestion.
The graphic below illustrates the difference between rural and urban areas on car insurance rates.
These rate differences demonstrate why all drivers should compare rates based on a specific location and risk profile, rather than relying on 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 Information
The chart below details estimated Nissan Z insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $915
- Drivers who choose higher $1,000 deductibles will pay around $260 annually
- The average rate for a 40-year-old good driver with $500 deductibles is $1,608
- Selecting low deductibles for comprehensive and collision insurance will increase the cost to $2,106
- High risk drivers with serious driving violations could pay upwards of $3,438 or more
- An auto insurance policy for full coverage for a teen driver may cost $5,580 a year
Insurance prices for a Nissan Z also have a wide range based on your driving characteristics, the trim level and model year, and policy deductibles and limits.
More mature drivers with a clean driving record and high deductibles could pay as little as $1,500 per year on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay upwards of $5,500 a year. View Rates by Age
Where you choose to live makes a big difference in Nissan Z insurance rates. A 40-year-old driver could pay as low as $1,160 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,170 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,452 | -$156 | -9.7% |
| Alaska | $1,234 | -$374 | -23.3% |
| Arizona | $1,334 | -$274 | -17.0% |
| Arkansas | $1,608 | -$0 | 0.0% |
| California | $1,834 | $226 | 14.1% |
| Colorado | $1,534 | -$74 | -4.6% |
| Connecticut | $1,650 | $42 | 2.6% |
| Delaware | $1,818 | $210 | 13.1% |
| Florida | $2,008 | $400 | 24.9% |
| Georgia | $1,486 | -$122 | -7.6% |
| Hawaii | $1,156 | -$452 | -28.1% |
| Idaho | $1,090 | -$518 | -32.2% |
| Illinois | $1,196 | -$412 | -25.6% |
| Indiana | $1,212 | -$396 | -24.6% |
| Iowa | $1,084 | -$524 | -32.6% |
| Kansas | $1,526 | -$82 | -5.1% |
| Kentucky | $2,192 | $584 | 36.3% |
| Louisiana | $2,378 | $770 | 47.9% |
| Maine | $992 | -$616 | -38.3% |
| Maryland | $1,328 | -$280 | -17.4% |
| Massachusetts | $1,282 | -$326 | -20.3% |
| Michigan | $2,792 | $1,184 | 73.6% |
| Minnesota | $1,346 | -$262 | -16.3% |
| Mississippi | $1,926 | $318 | 19.8% |
| Missouri | $1,428 | -$180 | -11.2% |
| Montana | $1,726 | $118 | 7.3% |
| Nebraska | $1,266 | -$342 | -21.3% |
| Nevada | $1,928 | $320 | 19.9% |
| New Hampshire | $1,158 | -$450 | -28.0% |
| New Jersey | $1,798 | $190 | 11.8% |
| New Mexico | $1,422 | -$186 | -11.6% |
| New York | $1,692 | $84 | 5.2% |
| North Carolina | $926 | -$682 | -42.4% |
| North Dakota | $1,318 | -$290 | -18.0% |
| Ohio | $1,106 | -$502 | -31.2% |
| Oklahoma | $1,648 | $40 | 2.5% |
| Oregon | $1,472 | -$136 | -8.5% |
| Pennsylvania | $1,532 | -$76 | -4.7% |
| Rhode Island | $2,144 | $536 | 33.3% |
| South Carolina | $1,458 | -$150 | -9.3% |
| South Dakota | $1,356 | -$252 | -15.7% |
| Tennessee | $1,406 | -$202 | -12.6% |
| Texas | $1,938 | $330 | 20.5% |
| Utah | $1,192 | -$416 | -25.9% |
| Vermont | $1,098 | -$510 | -31.7% |
| Virginia | $962 | -$646 | -40.2% |
| Washington | $1,242 | -$366 | -22.8% |
| West Virginia | $1,474 | -$134 | -8.3% |
| Wisconsin | $1,112 | -$496 | -30.8% |
| Wyoming | $1,432 | -$176 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles could save up to $760 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost up to $299 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out at a minimum $1,900 to $2,500 extra annually, depending on your age. Insurance for high-risk drivers can cost anywhere from 45% to 133% more than the average policy. View High Risk Driver Rates
With such a large range in prices, the best way to find out exactly what you will pay is to do a rate comparison from as many companies as possible. Every company calculates prices differently, so the prices will be substantially different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Nissan Z | $450 | $690 | $332 | $1,608 |
| 2023 Nissan Z | $432 | $686 | $338 | $1,592 |
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 the Best Nissan Z Insurance
Finding better rates on Nissan Z insurance not only requires not taking risks behind the wheel, but also maintaining good credit, being claim-free, and bundling your home and auto policies. Set aside time to compare rates at every policy renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agents.
The following is a brief recap of the data covered above.
- Drivers who require higher liability limits will pay approximately $370 every year to go from 30/60 bodily injury limits to 250/500 limits
- You may be able to save as much as $200 per year simply by quoting online in advance
- Increasing policy deductibles can save around $750 each year
- Teens pay the highest prices, possibly costing $465 per month for full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,580 |
| 20 | $3,634 |
| 30 | $1,698 |
| 40 | $1,608 |
| 50 | $1,460 |
| 60 | $1,432 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,106 |
| $250 | $1,878 |
| $500 | $1,608 |
| $1,000 | $1,348 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,608 |
| 50/100 | $1,674 |
| 100/300 | $1,757 |
| 250/500 | $1,973 |
| 100 CSL | $1,708 |
| 300 CSL | $1,890 |
| 500 CSL | $2,023 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,024 |
| 20 | $5,768 |
| 30 | $3,542 |
| 40 | $3,438 |
| 50 | $3,270 |
| 60 | $3,238 |
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 | $88 |
| Multi-vehicle | $79 |
| Homeowner | $21 |
| 5-yr Accident Free | $123 |
| 5-yr Claim Free | $104 |
| Paid in Full/EFT | $79 |
| Advance Quote | $81 |
| Online Quote | $118 |
| Total Discounts | $693 |
Discounts are estimated and may not be available from every company or in every state.
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