Nissan Z Insurance Rates
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a Nissan Z are $1,608 annually with full coverage. Comprehensive costs around $450 a year, collision costs $690, and liability insurance is estimated at $332. A liability-only policy costs approximately $388 a year, with high-risk insurance costing around $3,438. 16-year-old drivers cost the most to insure at $5,580 a year or more.
Average premium for full coverage: $1,608
Policy rates for type of insurance:
Estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and Z trim levels.
Price Range Variability
For an average driver, Nissan Z insurance rates go from as cheap as $388 for the bare minimum liability coverage to a high of $3,438 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on insurance rates. Areas with sparse population are shown to have fewer collision claims than congested cities.
The diagram below illustrates the effect of geographic area on auto insurance rates.
The examples above demonstrate why it is important to get quotes for a specific zip code and their own personal driving habits, rather than relying on 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 Information
The chart below details estimated Nissan Z insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $915
- Choosing higher $1,000 deductibles can save about $1,348 annually
- The estimated rate for a good driver age 40 using $500 deductibles is $1,608
- Buying low $100 deductibles for comp and collision coverage will cost $2,106
- High-risk insureds with multiple tickets or accidents could pay at least $3,438 or more
- Policy cost with full coverage for a teen driver can be $5,580 each year
Car insurance rates for a Nissan Z also range considerably based on the model year and trim level, your driving record, and deductibles and policy limits.
Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,500 annually on average, or $125 per month, for full coverage. Rates are highest for teenagers, 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 a few points on your driving record or you caused a few accidents, you may be forking out at least $1,900 to $2,500 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 45% to 133% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $760 each year, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $299 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Nissan Z insurance rates. A good driver about age 40 could pay as low as $1,160 a year in states like New Hampshire, Ohio, and Utah, or at least $2,170 on average in Florida, Michigan, 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% |
Because rates have so much variability, the best way to find out your exact price is to get quotes from as many companies as possible. Each auto insurer utilizes a different rate formula, so rate quotes will be varied between companies.
| 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 Buy Low Cost Nissan Z Insurance
Finding cheaper rates on Nissan Z insurance takes being a low-risk driver, having a good credit score, not filing small claims, and qualifying for all possible discounts. Take the time to compare rates every year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The items below are a review of the coverage data covered in the above illustrations.
- You may be able to save up to $200 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles could save up to $750 each year
- Teen drivers are the costliest to insure, as much as $465 each month if comprehensive and collision insurance is included
- High-risk drivers who have several accidents or serious violations may pay on average $1,830 more every year to insure their Z
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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