Nissan Z Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Mar 28, 2024
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Average auto insurance rates for a Nissan Z are $1,592 annually including full coverage. Comprehensive insurance costs on average $432, collision insurance costs $686, and liability costs around $338. Buying just liability costs as low as $394 a year, and insurance for high-risk drivers costs $3,412 or more. Teen drivers receive the highest rates at up to $5,566 a year.
Average premium for full coverage: $1,592
Rate estimates by individual coverage type:
Price estimates include $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and for different Z trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from as cheap as $394 for minimum levels of liability insurance to a much higher rate of $3,412 for a policy for a high-risk driver.
Price Range by Location
Where you live can make a big difference on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than larger metro areas. The price range example below illustrates how rural and urban location affects car insurance rates.
These examples highlight why anyone shopping for car insurance should compare prices based on a specific location 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.
Additional Rate Details
The chart below breaks down average Nissan Z insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $905
- Using higher $1,000 deductibles will save around $256 every year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,592
- Choosing more expensive low deductibles for physical damage coverage costs an additional $488 annually
- High-risk insureds with multiple violations and an at-fault accident could pay upwards of $3,412
- The cost with full coverage for a 16-year-old driver with full coverage may cost $5,566 or more
Auto insurance rates for a Nissan Z can also vary considerably based on the trim level of your Z, your driving characteristics, and policy deductibles and limits.
An older driver with a good driving record and high physical damage deductibles may pay as low as $1,500 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay upwards of $5,500 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $1,800 to $2,500 in extra premium per year, depending on your age. High-risk driver insurance can be from 45% to 127% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $750 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $304 extra every year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Nissan Z insurance prices. A driver around age 40 might see rates 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% |
| 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 Cheaper Nissan Z Insurance
Saving money on insurance for a Nissan Z requires being safe and accident-free, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Set aside time to shop around every year by getting quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.
Below you'll find a condensed summary of the coverage data raised in the charts and tables above.
- You may be able to save as much as $200 per year just by shopping early and online
- Increasing deductibles could save up to $750 each year
- Youthful drivers are charged the highest rates, as much as $464 per month if full coverage is included
- Drivers considered higher risk with multiple at-fault accidents pay on average $1,820 more each year than a low-risk driver
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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