Nissan Z Insurance Rates

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2023 Nissan Z Insurance Quotes in 2025

Searching for the cheapest insurance coverage rates for your Nissan Z? Are you burned out from trying to scrape together enough money to keep your car insured? You have the same problem as the majority of other consumers. Consumers have many auto insurance companies to choose from, and even though it's nice to be able to choose, so many choices can make it hard to get the best deal. Finding the b...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Mar 28, 2024

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Estimated auto insurance rates for a Nissan Z are $1,608 annually including full coverage. Comprehensive insurance costs on average $450, collision insurance costs $690, and liability is estimated at $332. Liability-only insurance costs approximately $388 a year, and high-risk driver insurance costs $3,438 or more. Teens pay the most at up to $5,580 a year.

Average premium for full coverage: $1,608

Premium estimates by type of coverage:

Comprehensive $450
Collision $690
Liability $332

Rates are based on $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all Z models.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Nissan Z range from as cheap as $388 for liability-only coverage to the much higher price of $3,438 for a driver required to buy high-risk insurance.

Liability Only $388
Full Coverage $1,608
High Risk $3,438

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Rural areas are statistically proven to have fewer comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how your location can change car insurance rates.

Rural Areas $1,206
Small Cities $1,688
Large Cities $2,171

These rate differences highlight why everyone should get quotes based on a specific location and their own personal driving habits, instead of making a decision based 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.

Additional Charts and Tables

The chart below breaks down average Nissan Z insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $915
  • Choosing higher $1,000 deductibles can save around $260 every year
  • The estimated rate for a 40-year-old good driver with $500 deductibles is $1,608
  • Selecting pricier low deductibles for comp and collision coverage costs an additional $498 annually
  • Higher-risk drivers with serious driving violations could pay upwards of $3,438
  • An auto insurance policy with full coverage for a 16-year-old driver for full coverage may cost $5,580 each year

View Chart as Image

Nissan Z insurance cost comparison chart
Column chart showing Nissan Z insurance prices range from $915 to $5,580 for full coverage

Insurance prices for a Nissan Z also have a wide range based on the model of your Z, your driving characteristics, and policy deductibles and limits.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,500 annually on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $5,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at a minimum $1,900 to $2,500 additional annually, depending on your age. Nissan Z insurance for high-risk drivers ranges from 45% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $760 annually, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $299 more each year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Nissan Z insurance prices. A good driver about age 40 could pay as low as $1,230 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,290 on average in Michigan, New York, and Louisiana.

Nissan Z Insurance Rates by State
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%

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 $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 Buy the Best Cheap Nissan Z Insurance

Finding better rates on insurance for a Nissan Z takes being a low-risk driver, having good credit, refrain from filing small claims, and dropping full coverage on older vehicles. Invest the time to shop around at every policy renewal by getting quotes from direct car insurance companies, and also from several local insurance agents.

The items below are a quick review of the data illustrated above.

  • Insureds who require more liability coverage will pay approximately $370 per year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
  • You may be able to save as much as $200 per year just by quoting online well ahead of the renewal date
  • Increasing policy deductibles could save up to $750 each year
  • Teen drivers pay higher prices, with the cost nearing $465 per month if they have full coverage

Rates by Driver Age

Nissan Z Insurance 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

Nissan Z Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,106
$250 $1,878
$500 $1,608
$1,000 $1,348

Full coverage, driver age 40

Rates by Liability Limit

Nissan Z Insurance Rates with Different Liability Limits
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

Nissan Z Insurance 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.

SR-22 Surcharge $218

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
Rate after discounts $915

Discounts are estimated and may not be available from every company or in every state.

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