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...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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Average insurance prices for a Nissan Z are $1,592 every 12 months for full coverage. Comprehensive insurance costs on average $432, collision costs $686, and liability insurance costs around $338. A policy with just liability insurance costs as low as $394 a year, with coverage for high-risk drivers costing $3,412 or more. 16-year-old drivers receive the highest rates at $5,566 a year or more.
Average premium for full coverage: $1,592
Rate estimates by individual coverage type:
Prices are based on $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all states and for all Z models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from the cheapest price of $394 for the bare minimum liability coverage to the much higher price of $3,412 for high-risk insurance.
Price Range by Location
Where you live has a significant impact on car insurance rates. Rural areas tend to have more infrequent accident claims than congested cities.
The example below illustrates how rural and urban location affects car insurance rates.
These examples show why everyone should compare prices based on a specific location and their own driving history, rather than relying on rate 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 Information
The chart below shows estimated Nissan Z insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $905
- Using higher $1,000 deductibles will save around $256 a year
- The average price for a 40-year-old driver with $500 deductibles is $1,592
- Buying pricier low deductibles for physical damage coverage costs an extra $488 a year
- Drivers with multiple tickets or accidents could pay upwards of $3,412 or more
- The cost to insure a teen driver for full coverage may cost $5,566 or more
Insurance rates for a Nissan Z can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your Z.
Opting for high physical damage deductibles could cut rates by as much as $750 each year, whereas buying more liability protection will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $304 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles could pay as little as $1,500 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay upwards of $5,500 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $1,800 to $2,500 additional per year, depending on your age. Nissan Z insurance for high-risk drivers can be anywhere from 45% to 127% more than the average rate. View High Risk Driver Rates
Where you live 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 at least $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% |
With so much variability in rates, the only way to know exactly what you will pay is to regularly compare rates from as many companies as possible. Each insurance company utilizes a different rate formula, and rates can be significantly different.
| 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 Shop for Affordable Nissan Z Insurance
Saving money on Nissan Z insurance requires being safe and accident-free, having above-average credit, eliminating unneeded coverage, and insuring your home and auto with the same company. Set aside time to shop around every couple of years by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
Below you'll find a brief review of the material that was raised in the charts and tables above.
- Drivers who require more liability protection will pay around $370 each year to increase from a minimum limit to a 250/500 level
- Youthful drivers pay higher rates, costing as high as $464 per month if full coverage is included
- High-risk drivers with DUI or reckless driving convictions pay an average of $1,820 more each year than a low-risk driver
- Increasing deductibles could save as much as $750 each year
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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