Nissan Z Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Nissan Z are $1,608 a year for full coverage. Comprehensive costs approximately $450 a year, collision costs $690, and liability is $332. Liability-only insurance costs around $388 a year, with high-risk driver insurance costing around $3,438. 16-year-old drivers pay the highest rates at $5,580 a year or more.
Average premium for full coverage: $1,608
Price estimates by individual coverage:
These estimates include $500 deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all states and Z trim levels.
Price Range from Low to High
For an average driver, Nissan Z insurance prices go from the low end price of $388 for a discount liability-only rate to a high of $3,438 for a high-risk driver policy.
Geographic Price Range
Choosing to live in a large city can have significant affects on car insurance rates. Rural locations have lower incidents of accident claims than congested cities.
The diagram below illustrates the effect of geographic area on auto insurance prices.
The ranges above show why it is important to compare rates quotes using their specific location, 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.
Rates by State, City, and Model
The chart below shows estimated Nissan Z insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $915
- Raising to $1,000 deductibles will save $1,348 a year
- The estimated price for the average middle-age driver who chooses $500 deductibles is $1,608
- Buying low $100 deductibles bumps up the cost to $2,106
- At-risk drivers with multiple tickets or accidents could pay around $3,438 or more
- The price that insures a teen driver can cost $5,580
Car insurance prices for a Nissan Z are also quite variable based on the trim level of your Z, how you drive, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you could be paying anywhere from $1,900 to $2,500 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 45% to 133% more than the average rate. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,500 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $5,500 a year. View Rates by Age
The state you live in also has a big influence on Nissan Z insurance prices. A middle-age driver might find prices as low as $1,060 a year in states like Iowa, Maine, and Idaho, or at least $2,290 on average in New York, Louisiana, and Michigan.
| 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 prices by up to $760 every year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $299 extra every 12 months. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to know who has the cheapest car insurance prices is to get quotes and see which company has the best price. Every auto insurance company utilizes a different rate formula, so rate quotes may be quite different.
| 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
Getting lower rates on car insurance consists of not taking risks behind the wheel, having a positive credit history, eliminating unnecessary coverage, and avoiding coverage lapses. Comparison shop every time your policy renews by requesting quotes from direct carriers, and also from insurance agencies where you live.
The following is a brief summary of the information covered in the above illustrations.
- Drivers can save around $200 per year simply by quoting early and online
- Teens pay the highest auto insurance prices, with premiums as much as $465 a month if full coverage is purchased
- Increasing physical damage deductibles can save approximately $750 each year
- Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,830 more per year for Z insurance
- Policyholders who purchase higher liability limits will pay around $370 each year to raise from a low limit to the 250/500 level
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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