Nissan Z Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Nissan Z costs more than most other cars to insure.

• Full coverage for a Z typically tends to be around $225 monthly, while liability only auto insurance premiums tend to be about $91.

• FirstChicago is the lowest insurance carrier for a Z.

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Z Overview

With base prices starting at just $30,090 for 2020 models, the Nissan Z is a great car for drivers on a budget.

We analyzed thousands of car insurance quotes on Compare.com, and we've found that Nissan Z insurance rates run around $206 per month, on average. How do car insurance premiums for the Z compare to rates of other similar cars?

How Much is Car Insurance for a Nissan Z?

Looking at the table above, you'll find that auto insurance prices for a Nissan Z are more expensive than average. On average, Z drivers can expect to pay about $225 monthly for full coverage, which has comprehensive and collision coverages in addition to liability, and about $91 per month for liability only insurance (learn more about these different types of insurance with our guide "State Minimum vs. Full Coverage").

When compared to other models, the Z is more expensive, with rates around 25% higher than Nissan's other vehicle offerings. Likewise, compared to other vehicles of a similar body style, Z coverage is higher than average, with both full coverage and liability only insurance averaging more expensive premiums than other cars.

When compared to all vehicles, regardless of model, make, or body style, the Z follows a similar pattern of having above average car insurance prices.

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Who has the Cheapest Car Insurance for a Nissan Z?

Browsing for a car insurance policy for your Nissan Z? You may be wondering which company offers the lowest prices. Although costs will normally be pretty different from person to person, the cheapest average rates for liability only insurance are as cheap as $27 a month from Sun Coast and Mapfre.

MetLife, Hallmark, and Safeco finish off the rest of the top 5. But just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Nissan Z.

Insurance carriers use multiple things and complex formulas to calculate rates. By reviewing quotes from a lot of auto insurance companies at once, you can be sure you're finding the most affordable rate.

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What Factors Affect Car Insurance Rates for a Nissan Z?

There are a range of factors that insurance carriers examine to decide how much to charge for auto insurance -- and every carrier weighs certain variables more than others, so there's not a singular company that's the lowest for everyone.

Keep reading to learn which variables car insurance companies look at and how they affect your final rate:

Vehicle Age

The Nissan Z has been around for a while -- that means vehicle age will likely play a role in what you end up paying for insurance. Typically, newer cars are going to cost more to insure because they're worth more, however, as time goes on and Zs begin to depreciate, insurance costs will gradually go lower.

As you can see in the information above, the Nissan Z is an outlier, as the cheapest models to insure are those that are 6 to 7 years old, while on average, the most expensive Zs are 15 years old or more.

Your Age

Age makes a big difference in how much you pay for auto insurance. As you can see in the table above, those who have more experience on the road pay less compared to young Z drivers. Nissan Z drivers under 18 actually pay more than twice as much as those 25 or older.

Car insurance prices continue to get lower as you get older, with drivers aged 65 years and older making up the cheapest age group for the Z.

Your Gender

Because women are less likely to get into accidents and get tickets, they have a decreased chance of filing a claim with insurance. So, women tend to get cheaper rates than men. The Nissan Z follows this convention, and women pay about $73 per month for insurance and men pay around $96.

Where You Live

You might already know that things like what vehicle you drive and how old you are play a role in your car insurance rates, but you may not realize that where you live can matter just as much. Because auto insurance is regulated on the state level rather than nationally, prices can fluctuate quite a bit from state to state.

For example, the average Nissan Z owner from New York pays about $207 a month for liability coverage. Meanwhile, on average, the same Californian driver will pay less than 50% of that price. The table above shows average premiums for the 10 largest states by population, just to give you a good idea of how much rates can change from state to state.

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Nissan Z Car Insurance Discounts

No matter your home state, your age, or your car, using as many discounts as possible when it comes to your insurance is always in your best interest when shopping around for a policy.

While no two car insurance carriers offer the same exact discounts, there are a few different ones that you'll find with most companies. These include discounts like:

• Multi-vehicle discounts for having more than one car on your auto policy
• Pay-in-full discounts for agreeing to pay your entire policy premium up front, rather than in monthly installments
• Defensive driving discounts for drivers who take a defensive driving class through an accredited school or institution
• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher than average safety ratings

These discounts are great, but some of the best ways to save are just by having a good driving history and positive insurance profile.

While you can't control every single aspect of your insurance profile (like some of the factors we mentioned above), you can influence some of it. Below are just a few of the variables you can use to your favor when it comes to saving cash:

Your Driving Record

You've probably seen ads from auto insurance carriers promoting large discounts for good drivers. And you're probably not surprised to hear that if you get into a collision or get cited for speeding, car insurance prices will go higher. But exactly how much is it going to cost you for these infractions?

Looking at the table above, you'll see that accidents will usually cost Z drivers more than tickets, but both will result in a raise in rates. Nissan Z drivers with one accident on their record pay about $113 a month (up $22 from the $91/mo. overall average), while drivers with a single ticket will pay an average of $90 monthly. The rates only increase the more collisions you have or tickets you get.

How Much You Drive

Another variable that affects your auto insurance premiums is the total amount of miles you drive annually. Those who drive less are less likely to get into collisions, so they'll usually get lower prices. In the above table, you can see that Nissan Z owners who drive 10,000 miles or more pay $92 for car insurance, while those who drive fewer than 2,500 miles per year pay about $82 a month.

But if you don't use your Nissan Z that often, you might consider learning about usage-based or pay-per-mile insurance policies. With these policies, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Nissan Zs Compare to Other Vehicles?

If you're considering purchasing a new vehicle and a Nissan Z is on your shortlist, it can pay off to do your due diligence. Auto insurance is just one cost that comes with buying a new car, but it's certainly one that's worth considering carefully.

Review the table below to see how the Nissan Z stacks up:

With an MSRP that's a third less than the going rate for a new vehicle, the Nissan Z is a great value for any budget. While the average vehicle price in the U.S. is $46,538, the Z comes in at just $30,090.

Unlike the Z's lower price, auto insurance rates are slightly higher when compared to the rest of the vehicle market. Full coverage insurance for a Nissan Z is around $90 per month more than average, while liability only coverage is $2 cheaper per month.

When it comes to usage, Nissan Z drivers are pretty close to the national average in annual miles driven, with 11,660 miles every year for all vehicles compared to the Z's 11,294 each year.

Nissan Z Car Insurance Costs by Model Year

So far, you've seen how different factors have an impact on what you'll pay for car insurance. If you're thinking about buying a new vehicle and the Z is one you're considering, knowing what you can expect to pay is extremely valuable as you weigh your options.

That's why we've done the heavy lifting and analyzed Nissan Z insurance premiums by model year. Find the model year you want in the dropdown to see average rates for both full coverage and liability only options. We've included some additional information you might find helpful, too, like the base MSRP, which trim levels are offered, and who offers the cheapest policies for each Z model year.

Choose Your Model

2020 Nissan Z Car Insurance 2019 Nissan Z Car Insurance 2018 Nissan Z Car Insurance 2017 Nissan Z Car Insurance 2016 Nissan Z Car Insurance 2015 Nissan Z Car Insurance 2014 Nissan Z Car Insurance 2013 Nissan Z Car Insurance 2012 Nissan Z Car Insurance 2011 Nissan Z Car Insurance 2010 Nissan Z Car Insurance 2009 Nissan Z Car Insurance

2020 Nissan Z Car Insurance

2020 Z drivers can expect to pay an average of $79 monthly for liability or $259 for full coverage.

We found Liberty Mutual offered the most affordable policy, with rates as low as $22 a month.

If you want to find the best rates for auto insurance for a 2020 Nissan Z, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2019 Nissan Z Car Insurance

The average cost to insure a 2019 Nissan Z with liability only coverage is $98 monthly, while full coverage runs about $242 per month.

Sun Coast has premiums as low as just $27 a month for the 2019 Nissan Z.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2018 Nissan Z Car Insurance

On average, drivers who own a 2018 Z can expect to pay $86 to $183 monthly for liability only and full coverage insurance, respectively.

Infinity offered the lowest policy we found, with rates as little as just $22 per month.

Want to find the most affordable rates? Enter your ZIP code below to get multiple personalized quotes for free.

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2017 Nissan Z Car Insurance

It costs around $90 monthly for liability or $196 for a full coverage policy for the 2017 Nissan Z.

If you're looking for the cheapest possible 2017 Nissan Z insurance policy, Safeco offered the cheapest policy we found, with rates sometimes as little as $18 a month.

While these are good estimates of what the average driver might pay to insure a 2017 Nissan Z, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2016 Nissan Z Car Insurance

You can expect full coverage for a 2016 Z to run about $252 per month, while liability only coverage will average around $99 a month.

With rates sometimes as cheap as $28 per month, MetLife offered the lowest policy we found for the 2016 Nissan Z.

If you want to know exactly how much you can expect to pay for your Z, just enter your ZIP code below and get several free quotes in minutes.

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2015 Nissan Z Car Insurance

On average, drivers who own a 2015 Nissan Z can expect to pay $72 to $231 monthly for liability only and full coverage car insurance, respectively.

Looking for the most affordable policy? Commonwealth Casualty offered liability only coverage for as little as $16 a month.

Want to find the best rates? Just enter your ZIP code below to get lots of free personalized quotes.

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2014 Nissan Z Car Insurance

It costs about $77 per month for liability or $215 for a full coverage policy for the 2014 Z.

With premiums sometimes as low as $24 monthly, StateAuto offered the cheapest policy we found.

If you want to know just how much your rate will be, get free quotes in minutes by just entering your ZIP code below.

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2013 Nissan Z Car Insurance

The average cost to insure a 2013 Nissan Z with liability only coverage is $76 a month, while full coverage runs around $227 monthly.

With prices as cheap as just $17 per month, Hugo offered the most affordable policy we found for the 2013 Nissan Z.

Want to figure out exactly what you'll be asked to pay? Get a variety of personalized quotes for free by just entering your ZIP code below.

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2012 Nissan Z Car Insurance

You can expect full coverage for a 2012 Z to run about $232 a month, while liability only coverage will average around $81 monthly.

Looking for the cheapest policy? Hugo offered liability only coverage for sometimes as little as $21 per month.

If you're looking for a more exact figure on what you should pay for auto insurance for a 2012 Nissan Z, you can get free quotes in minutes by just entering your ZIP code below.

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2011 Nissan Z Car Insurance

2011 Nissan Z drivers can expect to pay an average of $104 monthly for liability or $200 for full coverage.

If you're looking for the lowest possible 2011 Nissan Z insurance policy, Elephant offered the lowest policy we found, with rates as little as just $25 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2010 Nissan Z Car Insurance

On average, drivers who own a 2010 Z can expect to pay $97 to $219 a month for liability only and full coverage insurance, respectively.

AnswerFinancial offered the cheapest policy we found, with rates sometimes as low as $20 per month.

Want something more accurate than nationwide averages? Enter your ZIP code below to get several free customized quotes.

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2009 Nissan Z Car Insurance

You can expect full coverage for a 2009 Nissan Z to run about $237 a month, while liability only coverage will average around $99 monthly.

MetroMile has rates as cheap as $22 a month for the 2009 Nissan Z.

While these are good estimates of what the average driver might pay to insure a 2009 Nissan Z, these prices might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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Nissan Z Insurance FAQs

Is a Nissan Z expensive to insure?

Liability insurance runs an average of $91 per month, while full coverage will cost you around $225. It costs more to insure a Nissan Z when compared to the average car.

How can I get the best price on car insurance for my Nissan Z?

There's only one way to confirm you're getting the lowest rates -- regularly shopping around and getting quotes. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from quite a few companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Nissan Z affect my insurance rates?

You might have heard that it is more expensive to insure red cars that silver or white vehicles, but that's just a myth. Even though there are multiple things car insurance carriers consider when they decide your insurance price, the color of your Z is not on that list.

Do I need to have insurance before I buy a Nissan Z?

Before you can legally drive your new (or new to you) Nissan Z off the dealership lot, you'll need to have valid car insurance for it. As part of the buying process, some dealerships may offer you an auto insurance policy, but the easiest thing to do is to let your auto insurance carrier know beforehand.

What car insurance discounts can I get for my Nissan Z?

There are a ton of discounts out there for car insurance. Many of them (like "multi-vehicle discounts" and "safe driver discounts") are based less on your vehicle and more on you, but if your Z has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may be eligible for certain discounts. To learn more about which discounts you might qualify for, contact your insurance company and ask about their list of discounts, since they change quite a bit from carrier to carrier.