Nissan Z Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average auto insurance rates for a Nissan Z are $1,642 annually including full coverage. Comprehensive insurance costs approximately $472, collision costs $718, and liability is estimated at $316. Liability-only coverage costs approximately $376 a year, with high-risk coverage costing $3,508 or more. Teens pay the highest rates at $5,654 a year or more.
Average premium for full coverage: $1,642
Price estimates by individual coverage:
Estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Z models.
Price Range from Low to High
For a 40-year-old driver, Nissan Z insurance prices go from as cheap as $376 for liability-only coverage to the much higher price of $3,508 for a high-risk insurance policy.
Geographic Price Range
Living in a larger city can have significant affects on car insurance prices. Rural locations have fewer comprehensive and collision claims than cities with more traffic congestion.
The example below illustrates how your location can change auto insurance prices.
The ranges above highlight why everyone should get quotes using their specific location and their own personal driving habits, instead of using averaged prices.
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 Charts and Tables
The chart below breaks down estimated Nissan Z insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $935
- Choosing higher $1,000 deductibles can save $272 every year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,642
- Selecting pricier low deductibles for comp and collision coverage costs an additional $520 every year
- Unlucky drivers with serious driving violations could pay around $3,508 or more
- The price with full coverage for a teen driver for full coverage can cost $5,654 each year
Auto insurance prices for a Nissan Z are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.
A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,500 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $5,600 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $1,900 to $2,500 in extra premium each year, depending on your age. Nissan Z insurance for high-risk drivers ranges as much as 44% to 130% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $800 every year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $285 extra every year. View Rates by Deductible or Liability Limit
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 $1,260 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,340 on average in Louisiana, New York, and Michigan.
| 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% |
Since prices can be so different, the best way to figure out who has the best auto insurance prices is to regularly compare prices and see which company has the best price. Each auto insurer calculates prices differently, and quoted prices may be quite different between companies.
| 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 Buy Low Cost Nissan Z Insurance
Getting lower rates on car insurance takes being a low-risk driver, having above-average credit, being claim-free, and not having any coverage lapses. Invest the time to shop around at least every other year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
The items below are a review of the car insurance concepts illustrated above.
- Higher risk drivers who have several accidents or serious violations may have to pay on average $1,870 more per year to insure their Z
- You may be able to save around $200 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save up to $800 each year
- Policyholders who purchase more liability coverage will pay approximately $350 per year to raise limits from a low limit to higher 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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