Nissan Z Insurance Rates

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Jeffrey Johnson

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 including full coverage. Comprehensive insurance costs on average $450 each year, collision costs $690, and liability insurance costs $332. Liability-only insurance costs as little as $388 a year, with high-risk driver insurance costing $3,438 or more. 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 by type of insurance:

Comprehensive $450
Collision $690
Liability $332

These estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Z models.

Price Range Variability

Using a 40-year-old driver as an example, Nissan Z insurance rates go from the low end price of $388 for just the minimum liability insurance to a high rate of $3,438 for a driver required to buy high-risk insurance.

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

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than congested cities.

The graphic below illustrates how rural and urban location affects car insurance rates.

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

The examples above highlight why all drivers should compare rates based on a specific location, 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 Analysis

The chart below breaks down estimated Nissan Z insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $915
  • Drivers who choose higher $1,000 deductibles will pay around $260 every year
  • The estimated price for a good driver age 40 with $500 deductibles is $1,608
  • Buying low deductibles for comprehensive and collision insurance will cost an additional $498 a year
  • High risk drivers with multiple tickets or accidents could pay upwards of $3,438 or more
  • Policy cost that insures a teen driver may cost $5,580 a year

View Chart as Image

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

Auto insurance rates for a Nissan Z also range considerably based on the trim level and model year, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,900 to $2,500 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 45% to 133% more than the average rate. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,500 per year on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay upwards of $5,500 a year. View Rates by Age

Your home state makes a big difference in Nissan Z insurance rates. A 40-year-old driver could pay as low as $1,230 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,290 on average in Michigan, New York, and Louisiana.

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

Opting for high physical damage deductibles could save up to $760 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $299 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Every company utilizes a different rate formula, and quoted rates will be varied.

Nissan Z Insurance Rates by Model Year
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 Cheap Nissan Z Insurance

Finding cheaper rates on Nissan Z insurance not only requires having a decent driving record, but also maintaining a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Comparison shop at every policy renewal by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

The following items are a brief summary of the data raised in the charts and tables above.

  • Drivers who require additional liability coverage will pay around $370 per year to go from a 30/60 limit to the 250/500 level
  • You may be able to save as much as $200 per year simply by quoting online in advance
  • Increasing comprehensive and collision deductibles can save approximately $750 each year
  • 16 to 18-year-old drivers are charged the highest rates, with premiums being up to $465 each month if the policy includes full coverage

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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