Nissan Z Insurance Rates
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UPDATED: Mar 28, 2024
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Average insurance prices for a Nissan Z are $1,642 every 12 months for full coverage. Comprehensive costs an estimated $472 a year, collision costs $718, and liability is estimated at $316. A liability-only policy costs approximately $376 a year, with high-risk insurance costing around $3,508. 16-year-old drivers receive the highest rates at $5,654 a year or more.
Average premium for full coverage: $1,642
Rate estimates broken down by individual coverage type:
Price estimates include $500 deductible amounts, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and Z trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from the cheapest price of $376 for liability-only coverage to a high of $3,508 for high-risk insurance.
Price Range by Location
Living in a larger city can make a big difference on insurance rates. More rural locations tend to have more infrequent accident claims than congested cities.
The diagram below illustrates how location helps determine insurance prices.
These examples show why it is important to get quotes for a targeted area and their own driving history, instead of making a decision based 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 Charts and Tables
The chart below shows estimated Nissan Z insurance rates for other coverage scenarios.
- The best full coverage rate is $935
- Choosing higher $1,000 deductibles can save approximately $1,370 a year
- The average price for a 40-year-old driver who has $500 deductibles is $1,642
- Buying low $100 deductibles for comp and collision coverage increases the price to $2,162
- Higher-risk drivers with multiple tickets or accidents could pay up to $3,508 or more
- The cost to insure a 16-year-old driver can cost as much as $5,654 each year
Insurance rates for a Nissan Z can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.
Opting for high physical damage deductibles can save as much as $800 annually, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $285 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may pay as low as $1,500 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay at least $5,600 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying $1,900 to $2,500 extra per year, depending on your age. A high-risk auto insurance policy ranges from 44% to 130% more than the average rate. View High Risk Driver Rates
Where you live plays a big part in determining prices for Nissan Z insurance prices. A good driver about age 40 could pay as low as $1,080 a year in states like Iowa, Maine, and Idaho, or at least $2,340 on average in New York, Louisiana, and Michigan.
| 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% |
With so much variability in rates, the only way to know which company is cheapest is to get quotes from multiple companies. Each auto insurer utilizes a different rate formula, so the rates 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 Shop for Cheaper Nissan Z Insurance
Saving money on insurance for a Nissan Z takes having a good driving record, having good credit, eliminating unneeded coverage, and taking advantage of discounts. Invest time comparing rates every couple of years by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The next list is a condensed summary of the material that was covered in the charts and tables above.
- Insureds who want increased levels of liability coverage will pay around $350 each year to raise limits from a minimum limit to a 250/500 level
- Drivers age 20 and younger are charged the highest rates, costing as high as $471 per month if they have full coverage
- Drivers considered higher risk with multiple at-fault accidents pay on average $1,870 more annually to buy Nissan Z insurance
- Increasing deductibles could save as much as $800 each year
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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