Nissan Z Insurance Rates

The average insurance prices for a Nissan Z are $1,608 every 12 months for full coverage. Comprehensive costs an estimated $450, collision insurance costs $690, and liability is $332. Buying just liability costs around $388 a year, and insurance for high-risk drivers costs around $3,438. Teen drivers cost the most to insure at up to $5,580 a year.

Average premium for full coverage: $1,608

Policy rates broken down by type of insurance:

Price estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for different Z trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on insurance rates. More rural locations are shown to have more infrequent accident claims than larger metro areas. The price range example below illustrates the effect of geographic area on insurance prices.

The examples above show why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, instead of making a decision based on price averages.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below shows average Nissan Z insurance rates for other coverage scenarios.

• The lowest rate with discounts is $915
• Raising to $1,000 deductibles will save approximately $260 a year
• The average price for a good driver age 40 who has $500 deductibles is $1,608
• Choosing more expensive low deductibles increases the price to $2,106
• Drivers with multiple violations and an at-fault accident could pay up to $3,438
• Policy cost to insure a 16-year-old driver with full coverage can cost as much as $5,580

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

Choosing high deductibles can reduce rates by up to $760 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $299 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as low as $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay at least $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 could be paying $1,900 to $2,500 extra every year, depending on your age. High-risk driver insurance is expensive and can cost from 45% to 133% more than average. View High Risk Driver Rates

Your home state also has a big influence on Nissan Z insurance prices. A middle-age driver might find rates as low as $1,060 a year in states like Iowa, Maine, and Idaho, or as much as $2,290 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Shop for Cheaper Nissan Z Insurance

Finding cheaper rates on insurance for a Nissan Z consists of being a low-risk driver, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Take the time to compare rates every year by getting quotes from direct carriers, and also from several local insurance agents.

The items below are a condensed summary of the coverage data covered in the above illustrations.

• Drivers can save approximately $200 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $750 each year
• Teen drivers are charged the highest rates, costing up to $465 each month if they have full coverage
• Drivers considered higher risk with multiple at-fault accidents pay on average $1,830 more annually to insure their Z