Nissan Z Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Estimated insurance rates for a Nissan Z are $1,592 a year including full coverage. Comprehensive insurance costs around $432 each year, collision insurance costs $686, and liability insurance costs around $338. A liability-only policy costs as low as $394 a year, and high-risk insurance costs $3,412 or more. Teen drivers pay the most at up to $5,566 a year.
Average premium for full coverage: $1,592
Premium estimates for type of coverage:
Prices include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and Z models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Nissan Z range from as low as $394 for just liability insurance to a high rate of $3,412 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Where you live has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than larger metro areas. The graphic below illustrates the difference location can make on auto insurance rates.
These rate differences highlight why all drivers should compare prices for a specific zip code and risk profile, rather than relying on 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.
More Rate Details
The chart below breaks down average Nissan Z insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $905
- Using higher $1,000 deductibles will save about $256 every year
- The average rate for a 40-year-old good driver using $500 deductibles is $1,592
- Choosing low deductibles for physical damage coverage will cost an extra $488 a year
- Drivers with multiple violations and an at-fault accident could pay at least $3,412
- An auto insurance policy for full coverage for a teen driver can be $5,566 or more
Auto insurance prices for a Nissan Z also have a wide range based on your driving characteristics, the model of your Z, and deductibles and policy limits.
More mature drivers with a good driving record and high deductibles could pay as little as $1,500 a year, or $125 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay as much as $5,500 a year. View Rates by Age
Where you choose to live has a huge impact on Nissan Z insurance rates. A driver around age 40 might see prices as low as $1,220 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,270 on average in Michigan, New York, and Louisiana.
| 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% |
Choosing high deductibles could cut prices by as much as $750 each year, whereas increasing liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $304 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying at least $1,800 to $2,500 in extra premium annually, depending on your age. Insurance for high-risk drivers can be anywhere from 45% to 127% more than average. View High Risk Driver Rates
| 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 Find the Right Nissan Z Insurance
Finding better rates on Nissan Z insurance requires avoiding accidents and violations, having good credit, refrain from filing small claims, and possibly raising deductibles. Make time to compare rates once a year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The list below is a quick rundown of the data that was touched on in this article.
- You may be able to save up to $200 per year just by quoting online in advance
- Drivers who may need higher liability limits will pay about $370 per year to increase from 30/60 bodily injury limits to 250/500 limits
- Teenagers are expensive to insure, with the cost nearing $464 per month if they have full coverage
- High-risk drivers with reckless driving or DUI convictions pay on average $1,820 more every year for car insurance
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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