Nissan Z Insurance Rates
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UPDATED: Mar 28, 2024
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Average insurance rates for a Nissan Z are $1,642 a year for full coverage. Comprehensive costs around $472, collision costs $718, and liability is $316. Liability-only coverage costs around $376 a year, with high-risk coverage costing around $3,508. Teenage drivers receive the highest rates at $5,654 a year or more.
Average premium for full coverage: $1,642
Rate estimates for individual coverage type:
These estimates include $500 deductible amounts, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all states and for different Z trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from the low end price of $376 for just liability insurance to a much higher rate of $3,508 for coverage for higher-risk drivers.
Price Range by Location
Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than densely populated cities.
The price range example below illustrates the difference location can make on auto insurance rates.
These examples show why anyone shopping for car insurance should compare rates 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.
More Rate Details
The chart below shows estimated Nissan Z insurance rates for additional coverage choices and driver risks.
- The best discount rate is $935
- Raising to $1,000 deductibles will save about $272 a year
- The estimated price for a 40-year-old driver using $500 deductibles is $1,642
- Using more expensive low deductibles bumps up the cost to $2,162
- Drivers who are prone to accidents and violations could pay at least $3,508 or more
- The cost that insures a 16-year-old driver with full coverage can be $5,654
Car insurance rates for a Nissan Z can also vary considerably based on the model year and trim level, how you drive, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you could be paying at least $1,900 to $2,500 extra per year, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 130% more than a normal policy. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,500 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged as much as $5,600 a year. View Rates by Age
Where you live also has a big influence on Nissan Z insurance prices. A middle-age driver might find rates as low as $1,080 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,340 on average in Michigan, Louisiana, and New York.
| 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 can reduce rates by up to $800 annually, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $285 extra every 12 months. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to know your exact price is to compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, so rate quotes can be significantly different.
| 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 Cheap Nissan Z Insurance
Saving money on insurance for a Nissan Z consists of having a good driving record, having a positive credit history, eliminating unneeded coverage, and qualifying for all possible discounts. Compare prices at least once a year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The next list is a brief summary of the primary concepts that were touched on in this article.
- Drivers can save up to $200 per year simply by shopping early and online
- Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,870 more every year to buy Nissan Z insurance
- Increasing deductibles can save approximately $800 each year
- Drivers age 20 and younger are the costliest to insure, costing as high as $471 per month if full coverage is purchased
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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