Nissan Z Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated insurance rates for a Nissan Z are $1,642 a year for full coverage insurance. Comprehensive costs on average $472 each year, collision insurance costs $718, and liability costs $316. A policy with only liability insurance costs as little as $376 a year, and a high-risk policy costs around $3,508. Teenage drivers pay the most at up to $5,654 a year.
Average premium for full coverage: $1,642
Premium estimates by type of coverage:
Includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and Z models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Nissan Z range from as low as $376 for minimum levels of liability insurance to a high rate of $3,508 for a high-risk insurance policy.
Insurance Price Range by Location
Your location can have significant affects on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than densely populated cities. The graphic below illustrates how where you live affects car insurance rates.
These rate differences illustrate why all drivers should compare rates based on a specific location and risk profile, instead of 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 Details
The chart below illustrates average Nissan Z insurance rates for different risk profiles and scenarios.
- The best discount rate is $935
- Drivers who choose higher $1,000 deductibles will pay around $272 each year
- The average rate for a 40-year-old good driver with $500 deductibles is $1,642
- Using low deductibles for comprehensive and collision insurance will increase the cost to $2,162
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,508
- An auto insurance policy for full coverage for a teen driver may cost $5,654 a year
Car insurance prices for a Nissan Z also have a wide range based on your driving characteristics, the model year and trim level, and policy deductibles and limits.
More mature drivers with no driving violations and high deductibles may pay as little as $1,500 per year on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged upwards of $5,600 a year. View Rates by Age
Where you choose to live makes a big difference in Nissan Z insurance prices. A 40-year-old driver could pay as low as $1,070 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,220 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,484 | -$158 | -9.6% |
| Alaska | $1,258 | -$384 | -23.4% |
| Arizona | $1,362 | -$280 | -17.1% |
| Arkansas | $1,642 | -$0 | 0.0% |
| California | $1,872 | $230 | 14.0% |
| Colorado | $1,566 | -$76 | -4.6% |
| Connecticut | $1,688 | $46 | 2.8% |
| Delaware | $1,856 | $214 | 13.0% |
| Florida | $2,052 | $410 | 25.0% |
| Georgia | $1,518 | -$124 | -7.6% |
| Hawaii | $1,182 | -$460 | -28.0% |
| Idaho | $1,112 | -$530 | -32.3% |
| Illinois | $1,224 | -$418 | -25.5% |
| Indiana | $1,238 | -$404 | -24.6% |
| Iowa | $1,108 | -$534 | -32.5% |
| Kansas | $1,558 | -$84 | -5.1% |
| Kentucky | $2,240 | $598 | 36.4% |
| Louisiana | $2,432 | $790 | 48.1% |
| Maine | $1,016 | -$626 | -38.1% |
| Maryland | $1,356 | -$286 | -17.4% |
| Massachusetts | $1,310 | -$332 | -20.2% |
| Michigan | $2,852 | $1,210 | 73.7% |
| Minnesota | $1,376 | -$266 | -16.2% |
| Mississippi | $1,968 | $326 | 19.9% |
| Missouri | $1,458 | -$184 | -11.2% |
| Montana | $1,764 | $122 | 7.4% |
| Nebraska | $1,294 | -$348 | -21.2% |
| Nevada | $1,970 | $328 | 20.0% |
| New Hampshire | $1,184 | -$458 | -27.9% |
| New Jersey | $1,836 | $194 | 11.8% |
| New Mexico | $1,452 | -$190 | -11.6% |
| New York | $1,730 | $88 | 5.4% |
| North Carolina | $946 | -$696 | -42.4% |
| North Dakota | $1,346 | -$296 | -18.0% |
| Ohio | $1,132 | -$510 | -31.1% |
| Oklahoma | $1,684 | $42 | 2.6% |
| Oregon | $1,504 | -$138 | -8.4% |
| Pennsylvania | $1,566 | -$76 | -4.6% |
| Rhode Island | $2,190 | $548 | 33.4% |
| South Carolina | $1,488 | -$154 | -9.4% |
| South Dakota | $1,386 | -$256 | -15.6% |
| Tennessee | $1,436 | -$206 | -12.5% |
| Texas | $1,980 | $338 | 20.6% |
| Utah | $1,216 | -$426 | -25.9% |
| Vermont | $1,122 | -$520 | -31.7% |
| Virginia | $984 | -$658 | -40.1% |
| Washington | $1,266 | -$376 | -22.9% |
| West Virginia | $1,506 | -$136 | -8.3% |
| Wisconsin | $1,136 | -$506 | -30.8% |
| Wyoming | $1,462 | -$180 | -11.0% |
Using high physical damage deductibles could save up to $800 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $285 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying at a minimum $1,900 to $2,500 extra annually, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 130% more than a normal policy. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Nissan Z | $472 | $718 | $316 | $1,642 |
| 2023 Nissan Z | $450 | $690 | $332 | $1,608 |
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 the Cheapest Nissan Z Insurance
Finding better rates on car insurance not only requires having a decent driving record, but also having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Take the time to comparison shop at least every other year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The following items are a recap of the car insurance concepts touched on in the above illustrations.
- Higher risk drivers that have major violations or accidents pay an average of $1,870 more each year than a driver with a clean driving record
- It is possible to save as much as $200 per year just by quoting online in advance
- Increasing policy deductibles can save around $800 each year
- Policyholders who require additional liability coverage will pay an extra $350 annually to go from 30/60 bodily injury limits to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,654 |
| 20 | $3,706 |
| 30 | $1,740 |
| 40 | $1,642 |
| 50 | $1,490 |
| 60 | $1,462 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,162 |
| $250 | $1,924 |
| $500 | $1,642 |
| $1,000 | $1,370 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,642 |
| 50/100 | $1,705 |
| 100/300 | $1,784 |
| 250/500 | $1,990 |
| 100 CSL | $1,737 |
| 300 CSL | $1,911 |
| 500 CSL | $2,037 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,134 |
| 20 | $5,878 |
| 30 | $3,614 |
| 40 | $3,508 |
| 50 | $3,334 |
| 60 | $3,300 |
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 | $90 |
| Multi-vehicle | $80 |
| Homeowner | $21 |
| 5-yr Accident Free | $126 |
| 5-yr Claim Free | $106 |
| Paid in Full/EFT | $81 |
| Advance Quote | $83 |
| Online Quote | $120 |
| Total Discounts | $707 |
Discounts are estimated and may not be available from every company or in every state.
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