Nissan Z Insurance Rates

The average insurance rates for a Nissan Z are $1,592 a year for full coverage. Comprehensive insurance costs on average $432, collision insurance costs $686, and liability is estimated at $338. Liability-only coverage costs approximately $394 a year, and high-risk coverage costs $3,412 or more. Teen drivers cost the most to insure at up to $5,566 a year.

Average premium for full coverage: $1,592

Policy rates by type of insurance:

Full coverage includes $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for all Z models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than larger metro areas. The example below illustrates how your location can change car insurance rates.

The examples above show why everyone should get quotes based on a specific location and risk profile, instead of using price averages.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below shows average Nissan Z insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $905
• Choosing higher $1,000 deductibles can save around $256 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,592
• Choosing pricier low deductibles for comp and collision coverage will cost an extra $488 every year
• Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $3,412
• Policy cost for full coverage for a teen driver for full coverage may cost $5,566 each year

Insurance rates for a Nissan Z also range considerably based on your risk profile, the trim level of your Z, and policy deductibles and limits.

A more mature driver with no violations or accidents and high deductibles may pay as little as $1,500 annually on average, or $125 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay upwards of $5,500 a year. View Rates by Age

Your home state plays a big part in determining prices for Nissan Z insurance prices. A good driver about age 40 could pay as low as $1,050 a year in states like Idaho, Maine, and Iowa, or as much as $2,270 on average in Michigan, Louisiana, and New York.

Choosing high deductibles can save as much as $750 every year, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $304 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,800 to $2,500 additional every year, depending on your age. Nissan Z insurance for high-risk drivers ranges as much as 45% to 127% more than average. View High Risk Driver Rates

How to Find More Affordable Nissan Z Insurance

Finding cheaper rates on car insurance takes being a good driver, having a good credit history, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Invest the time to shop around every couple of years by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The following list is a summary of the material that was illustrated above.

• Policyholders who require an increased level of liability coverage will pay about $370 each year to raise limits from a 30/60 limit to 250/500 limits
• Drivers age 16 to 20 pay higher rates, costing up to $464 each month including comprehensive and collision insurance
• Higher risk drivers who have multiple accidents or major violations will pay on average $1,820 more each year than a safer driver
• Increasing comprehensive and collision deductibles can save around $750 each year