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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U.S. average auto insurance rates for a Nissan Z are $1,592 annually including full coverage. Comprehensive insurance costs around $432 each year, collision costs $686, and liability coverage costs around $338. Liability-only insurance costs as low as $394 a year, with high-risk driver insurance costing $3,412 or more. 16-year-old drivers pay the highest rates at $5,566 a year or more.
Average premium for full coverage: $1,592
Price estimates for individual coverage:
Prices are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and Z models.
Price Range from Low to High
For the average 40-year-old driver, Nissan Z insurance prices go from as cheap as $394 for minimum levels of liability insurance to a high rate of $3,412 for a driver that may need high-risk insurance.
Geographic Price Range
Where you live has a large influence on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than congested cities.
The graphic below illustrates the difference location can make on auto insurance rates.
The ranges above highlight why all drivers should compare prices for a specific zip code and their own personal driving habits, rather than using 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 Details
The chart below breaks down estimated Nissan Z insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $905
- Using higher $1,000 deductibles will save about $256 every year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,592
- Buying low deductibles for physical damage coverage costs an additional $488 each year
- Higher-risk drivers with multiple tickets or accidents could pay at least $3,412 or more
- The price with full coverage for a teenage driver can be $5,566 or more
Car insurance prices for a Nissan Z are also quite variable based on the trim level and model year, your driving characteristics, and deductibles and policy limits.
More mature drivers with no driving violations and high physical damage deductibles may only pay around $1,500 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged as much as $5,500 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying at least $1,800 to $2,500 extra each year, depending on your age. Insurance for high-risk drivers can be around 45% to 127% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut prices by as much as $750 a year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $304 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Nissan Z insurance rates. A driver around age 40 might see prices as low as $1,220 a year in states like Missouri, New Hampshire, and Vermont, or at least $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% |
Since prices can be so different, the best way to figure out your exact price is to do a rate comparison and see how they stack up. Each insurance company utilizes a different rate formula, so rate quotes may be quite 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 Affordable Nissan Z Insurance
Getting lower rates on auto insurance requires avoiding accidents and violations, having a good credit score, being claim-free, and qualifying for all possible discounts. Make time to compare rates once a year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The list below is a brief review of the data that was touched on in this article.
- You may be able to save up to $200 per year simply by quoting online in advance
- Consumers who may need higher liability limits will pay around $370 per year to increase from a low limit to higher 250/500 limits
- Teenagers are the costliest to insure, possibly costing $464 a month if comprehensive and collision insurance is included
- Drivers with DUI or reckless driving convictions may pay on average $1,820 more every year for car insurance
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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