Nissan Z Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Average auto insurance rates for a Nissan Z are $1,592 annually with full coverage. Comprehensive costs around $432, collision costs $686, and liability costs $338. A policy with just liability insurance costs as little as $394 a year, with coverage for high-risk drivers costing around $3,412. Teen drivers receive the highest rates at $5,566 a year or more.
Average premium for full coverage: $1,592
Rate estimates for individual coverage type:
These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for different Z trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as cheap as $394 for just liability coverage to a much higher rate of $3,412 for a driver who requires high-risk insurance.
Price Range by Location
Your location can make a big difference on insurance rates. Areas with sparse population tend to have fewer collision claims than larger metro areas.
The price range example below illustrates the difference location can make on auto insurance rates.
These examples demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based 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.
Detailed Rate Analysis
The chart below details estimated Nissan Z insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $905
- Drivers who choose higher $1,000 deductibles will pay about $256 annually
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,592
- Choosing more expensive low deductibles for comprehensive and collision insurance will cost $2,080
- Drivers with multiple violations and an at-fault accident could pay at least $3,412 or more
- The cost with full coverage for a 16-year-old driver with full coverage can be $5,566 a year
Insurance rates for a Nissan Z can also vary considerably based on the trim level of your Z, your driving record, and deductibles and policy limits.
An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,500 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $5,500 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at least $1,800 to $2,500 additional per year, depending on your age. High-risk driver insurance can cost from 45% to 127% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $750 annually, while increasing your policy's liability limits will increase rates. Moving 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 makes a big difference in Nissan Z insurance prices. A 40-year-old driver could pay as low as $1,150 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,150 on average in Florida, Michigan, and New York.
| 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% |
With so much variability in rates, the best way to find out your exact price is to compare rates from multiple companies. Every company uses a different rate calculation, and rates can be significantly different between companies.
| 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 Cheap Nissan Z Insurance
Saving money on insurance for a Nissan Z not only requires being a good driver, but also having good credit, eliminating unnecessary coverage, and taking advantage of discounts. Make time to compare rates at every other renewal by getting quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.
The following list is a brief summary of the concepts that were touched on in this article.
- Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,820 more every year than a safer driver
- Drivers age 16 to 20 are charged the highest rates, with premiums as much as $464 per month if they have full coverage
- You may be able to save up to $200 per year simply by shopping early and online
- Increasing deductibles could save up to $750 each year
- You may be able to save up to $200 per year simply by shopping early and online
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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