Nissan Z Insurance Rates
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UPDATED: Mar 28, 2024
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Average insurance rates for a Nissan Z are $1,608 a year with full coverage. Comprehensive insurance costs an estimated $450, collision insurance costs $690, and liability is $332. Buying just liability costs around $388 a year, and insurance for high-risk drivers costs $3,438 or more. 16-year-old drivers receive the highest rates at up to $5,580 a year.
Average premium for full coverage: $1,608
Rate estimates broken down by individual coverage type:
Rate estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and for different Z trim levels.
Price Range by Coverage and Risk
For an average driver, prices range range from as low as $388 for just the minimum liability insurance to a much higher rate of $3,438 for a driver who requires high-risk insurance.
Price Range by Location
Choosing to live in a large city can have significant affects on car insurance rates. More rural locations tend to have a lower frequency of collision claims than congested cities. The price range example below illustrates the effect of geographic area on insurance prices.
These examples demonstrate why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, instead of using 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 details average Nissan Z insurance rates for other coverage scenarios.
- The best full coverage rate is $915
- Raising to $1,000 deductibles will save approximately $260 annually
- The average rate for a 40-year-old driver who has $500 deductibles is $1,608
- Buying more expensive low deductibles will cost an extra $498 every year
- At-risk drivers with multiple tickets or accidents could pay up to $3,438
- The cost for full coverage for a teen driver with full coverage can cost as much as $5,580
Auto insurance rates for a Nissan Z can also vary considerably based on your driver profile, the trim level and model year, and liability limits and deductibles.
An older driver with a good driving record and high deductibles may pay as little as $1,500 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay at least $5,500 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 $1,160 a year in states like Utah, Ohio, and New Hampshire, or at least $2,170 on average in New York, Michigan, and Florida.
| 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% |
Opting for high physical damage deductibles can reduce rates by up to $760 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $299 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out $1,900 to $2,500 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 45% to 133% more than the average rate. View High Risk Driver Rates
| 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 the Best Nissan Z Insurance
Saving money on car insurance consists of being a low-risk driver, having good credit, eliminating unnecessary coverage, and consideration of higher deductibles. Take the time to compare rates at every other renewal by requesting quotes from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.
The items below are a brief recap of the concepts that were covered in the above illustrations.
- Higher risk drivers who tend to receive serious violations may pay on average $1,830 more annually to insure their Z
- Teen drivers are the costliest to insure, with premiums as much as $465 per month if they have full coverage
- You may be able to save approximately $200 per year just by shopping early and online
- Increasing deductibles can save around $750 each year
- You may be able to save approximately $200 per year just 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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