Nissan Z Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average insurance rates for a Nissan Z are $1,592 a year for full coverage. Comprehensive costs around $432, collision costs $686, and liability coverage costs around $338. Buying just liability costs as low as $394 a year, with insurance for high-risk drivers costing around $3,412. Teenage drivers cost the most to insure at $5,566 a year or more.
Average premium for full coverage: $1,592
Policy rates for type of insurance:
Estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for all Z models.
Price Range Variability
Using a 40-year-old driver as an example, Nissan Z insurance rates go from as low as $394 for the bare minimum liability coverage to the much higher price of $3,412 for a high-risk driver policy.
Urban vs. Rural Price Range
Where you live has a large influence on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than densely populated cities.
The example below illustrates how rural and urban location affects auto insurance rates.
The examples above show why everyone should compare prices for a specific zip code and risk profile, rather than using average rates.
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 Information
The chart below shows estimated Nissan Z insurance rates for additional coverage choices and driver risks.
- The best discount rate is $905
- Using higher $1,000 deductibles will save about $256 a year
- The average rate for a good driver age 40 using $500 deductibles is $1,592
- Using pricier low deductibles for physical damage coverage will increase the cost to $2,080
- Higher-risk drivers who are prone to accidents and violations could pay at least $3,412 or more
- Policy cost for full coverage for a teenage driver for full coverage can be $5,566 or more
Insurance rates for a Nissan Z also range considerably based on your risk profile, the trim level of your Z, and deductibles and policy limits.
A more mature driver with a clean driving record and high deductibles may only pay around $1,500 a year, or $125 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $5,500 a year. View Rates by Age
Your home state has a huge impact on Nissan Z insurance rates. A driver around age 40 might see rates as low as $1,050 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,270 on average in Michigan, Louisiana, 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% |
Using high physical damage deductibles could cut rates by as much as $750 a year, whereas buying more liability protection will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $304 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,800 to $2,500 extra every year, depending on your age. Nissan Z insurance for high-risk drivers can be around 45% to 127% more than a normal policy. View High Risk Driver Rates
Because rates have so much variability, the only way to know your exact price is to regularly compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, so the rates will be varied from one company to the next.
| 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 Low Cost Nissan Z Insurance
Finding cheaper rates on auto insurance requires having a decent driving record, maintaining good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Set aside time to shop around every time your policy renews by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.
The following items are a review of the information raised in the charts and tables above.
- Drivers can save up to $200 per year simply by quoting online well ahead of the renewal date
- 16 to 18-year-old drivers pay higher rates, costing up to $464 each month for full coverage
- Increasing comprehensive and collision deductibles can save around $750 each year
- Drivers who have several accidents or serious violations may be required to pay an average of $1,820 more every year than a driver with a clean driving record
- Consumers who may need additional liability coverage will pay an extra $370 each year to increase from a 30/60 limit to 250/500 limits
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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