Nissan Z Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Nissan Z are $1,608 a year for full coverage. Comprehensive insurance costs around $450, collision costs $690, and liability is estimated at $332. Liability-only coverage costs approximately $388 a year, with high-risk coverage costing $3,438 or more. Teenage drivers pay the highest rates at $5,580 a year or more.
Average premium for full coverage: $1,608
Price estimates for individual coverage:
Price estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and for different Z trim levels.
Price Range from Low to High
For a driver in their 40's, Nissan Z insurance prices go from the low end price of $388 for just liability coverage to a much higher rate of $3,438 for a driver who has had serious violations or accidents.
Geographic Price Range
Living in a larger city can make a big difference on auto insurance rates. Areas with sparse population have lower incidents of accident claims than densely populated cities.
The price range example below illustrates how location helps determine auto insurance rates.
The ranges above show why anyone shopping for car insurance should get quotes for a specific zip code, instead of making a decision based on 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.
Detailed Rate Analysis
The chart below shows estimated Nissan Z insurance rates for additional coverage choices and driver risks.
- The best discount rate is $915
- Choosing higher $1,000 deductibles can save about $260 a year
- The estimated price for the average middle-age driver using $500 deductibles is $1,608
- Using more expensive low deductibles for comp and collision coverage will cost an additional $498 annually
- Higher-risk drivers who are prone to accidents and violations could pay at least $3,438 or more
- The price that insures a 16-year-old driver with full coverage can be $5,580 each year
Auto insurance prices for a Nissan Z are also quite variable based on the model year and trim level, how you drive, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you could be paying at least $1,900 to $2,500 in extra premium each year, depending on your age. High-risk driver insurance ranges from 45% to 133% more than a normal policy. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,500 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay as much as $5,500 a year. View Rates by Age
The state you live in 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 be forced to pay as much as $2,290 on average in Michigan, Louisiana, and New York.
| 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% |
Using high physical damage deductibles can save as much as $760 annually, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $299 extra every year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to know your exact price is to compare prices from multiple companies. Each auto insurer uses a different method to calculate prices, and quoted prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Nissan Z | $450 | $690 | $332 | $1,608 |
| 2023 Nissan Z | $432 | $686 | $338 | $1,592 |
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 Cheaper Nissan Z Insurance
Getting lower rates on insurance for a Nissan Z takes having a decent driving record, maintaining a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Compare prices every other policy renewal by obtaining price quotes from direct carriers, and also from several local insurance agents.
The following items are a condensed summary of the ideas that were covered in the charts and tables above.
- 16 to 18-year-old drivers are expensive to insure, with premiums as much as $465 a month if the policy includes full coverage
- Drivers considered higher risk with multiple at-fault accidents pay on average $1,830 more every year than a driver with a clean driving record
- Increasing physical damage deductibles can save approximately $750 each year
- Drivers can save up to $200 per year simply by shopping early and online
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,106 |
| $250 | $1,878 |
| $500 | $1,608 |
| $1,000 | $1,348 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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