Nissan Z Insurance Rates

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Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 28, 2024

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The average insurance rates for a Nissan Z are $1,608 a year for full coverage. Comprehensive insurance costs on average $450, collision insurance costs $690, and liability is estimated at $332. Liability-only coverage costs approximately $388 a year, and high-risk coverage costs $3,438 or more. Teen drivers cost the most to insure at up to $5,580 a year.

Average premium for full coverage: $1,608

Policy rates by type of insurance:

Comprehensive $450
Collision $690
Liability $332

Full coverage includes $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for all Z models.

Price Range Variability

For a 40-year-old driver, Nissan Z insurance rates range from as low as $388 for just the minimum liability insurance to the much higher price of $3,438 for high-risk insurance.

Liability Only $388
Full Coverage $1,608
High Risk $3,438

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than larger metro areas. The example below illustrates how your location can change car insurance rates.

Rural Areas $1,206
Small Cities $1,688
Large Cities $2,171

The examples above show why everyone should get quotes based on a specific location and risk profile, instead of using 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 Analysis

The chart below shows average Nissan Z insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $915
  • Choosing higher $1,000 deductibles can save around $260 a year
  • The average rate for a good driver age 40 with $500 deductibles is $1,608
  • Choosing pricier low deductibles for comp and collision coverage will cost an extra $498 every year
  • Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $3,438
  • Policy cost for full coverage for a teen driver for full coverage may cost $5,580 each year

View Chart as Image

Nissan Z insurance cost comparison chart
Column chart showing Nissan Z insurance prices range from $915 to $5,580 for full coverage

Insurance rates for a Nissan Z also range considerably based on your risk profile, the trim level of your Z, and policy deductibles and limits.

A more mature driver with no violations or accidents and high deductibles may pay as little as $1,500 annually on average, or $125 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay upwards of $5,500 a year. View Rates by Age

Your home state plays a big part in determining prices for Nissan Z insurance prices. A good driver about age 40 could pay as low as $1,060 a year in states like Idaho, Maine, and Iowa, or as much as $2,290 on average in Michigan, Louisiana, and New York.

Nissan Z Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,452 -$156 -9.7%
Alaska $1,234 -$374 -23.3%
Arizona $1,334 -$274 -17.0%
Arkansas $1,608 -$0 0.0%
California $1,834 $226 14.1%
Colorado $1,534 -$74 -4.6%
Connecticut $1,650 $42 2.6%
Delaware $1,818 $210 13.1%
Florida $2,008 $400 24.9%
Georgia $1,486 -$122 -7.6%
Hawaii $1,156 -$452 -28.1%
Idaho $1,090 -$518 -32.2%
Illinois $1,196 -$412 -25.6%
Indiana $1,212 -$396 -24.6%
Iowa $1,084 -$524 -32.6%
Kansas $1,526 -$82 -5.1%
Kentucky $2,192 $584 36.3%
Louisiana $2,378 $770 47.9%
Maine $992 -$616 -38.3%
Maryland $1,328 -$280 -17.4%
Massachusetts $1,282 -$326 -20.3%
Michigan $2,792 $1,184 73.6%
Minnesota $1,346 -$262 -16.3%
Mississippi $1,926 $318 19.8%
Missouri $1,428 -$180 -11.2%
Montana $1,726 $118 7.3%
Nebraska $1,266 -$342 -21.3%
Nevada $1,928 $320 19.9%
New Hampshire $1,158 -$450 -28.0%
New Jersey $1,798 $190 11.8%
New Mexico $1,422 -$186 -11.6%
New York $1,692 $84 5.2%
North Carolina $926 -$682 -42.4%
North Dakota $1,318 -$290 -18.0%
Ohio $1,106 -$502 -31.2%
Oklahoma $1,648 $40 2.5%
Oregon $1,472 -$136 -8.5%
Pennsylvania $1,532 -$76 -4.7%
Rhode Island $2,144 $536 33.3%
South Carolina $1,458 -$150 -9.3%
South Dakota $1,356 -$252 -15.7%
Tennessee $1,406 -$202 -12.6%
Texas $1,938 $330 20.5%
Utah $1,192 -$416 -25.9%
Vermont $1,098 -$510 -31.7%
Virginia $962 -$646 -40.2%
Washington $1,242 -$366 -22.8%
West Virginia $1,474 -$134 -8.3%
Wisconsin $1,112 -$496 -30.8%
Wyoming $1,432 -$176 -10.9%

View Chart as Image

Nissan Z insurance rates by U.S. city

Choosing high deductibles can save as much as $760 every year, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $299 more each 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 a minimum $1,900 to $2,500 additional every year, depending on your age. Nissan Z insurance for high-risk drivers ranges as much as 45% to 133% more than average. View High Risk Driver Rates

Nissan Z Insurance Rates by Model Year
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 More Affordable Nissan Z Insurance

Finding cheaper rates on car insurance takes being a good driver, having a good credit history, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Invest the time to shop around every couple of years by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The following list is a summary of the material that was illustrated above.

  • Policyholders who require an increased level of liability coverage will pay about $370 each year to raise limits from a 30/60 limit to 250/500 limits
  • Drivers age 16 to 20 pay higher rates, costing up to $465 each month including comprehensive and collision insurance
  • Higher risk drivers who have multiple accidents or major violations will pay on average $1,830 more each year than a safer driver
  • Increasing comprehensive and collision deductibles can save around $750 each year

Rates by Driver Age

Nissan Z Insurance Rates by Driver Age
Driver Age Premium
16 $5,580
20 $3,634
30 $1,698
40 $1,608
50 $1,460
60 $1,432

Full coverage, $500 deductibles

Rates by Deductible

Nissan Z Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,106
$250 $1,878
$500 $1,608
$1,000 $1,348

Full coverage, driver age 40

Rates by Liability Limit

Nissan Z Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,608
50/100 $1,674
100/300 $1,757
250/500 $1,973
100 CSL $1,708
300 CSL $1,890
500 CSL $2,023

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan Z Insurance Rates for High Risk Drivers
Age Premium
16 $8,024
20 $5,768
30 $3,542
40 $3,438
50 $3,270
60 $3,238

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.

SR-22 Surcharge $218

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $88
Multi-vehicle $79
Homeowner $21
5-yr Accident Free $123
5-yr Claim Free $104
Paid in Full/EFT $79
Advance Quote $81
Online Quote $118
Total Discounts $693
Rate after discounts $915

Discounts are estimated and may not be available from every company or in every state.

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