Cheaper Nissan Z Insurance in 2024: Insights Into Savings

• Car insurance rates for a Nissan Z average $2,200 per year or around $183 per month.
• Ranked eighth out of 23 other models in the sports car class, car insurance rates for the Nissan Z cost $411 less per year than the average cost for the segment.
• The Sport trim is the cheapest to insure at around $2,028 per year, or $169 per month.
• The model with the most expensive insurance is the NISMO at $2,360 per year, or around $197 per month.

How much does Nissan Z insurance cost?

Insurance for a 2024 Nissan Z averages $2,200 annually for full coverage, or about $183 monthly. Expect to pay approximately $411 less per year to insure a Nissan Z compared to the average rate for sports cars, but $317 more per year than the overall national average of $1,883 for all vehicles.

The rate summary chart below breaks down average auto insurance cost for a Z using different driver ages and policy limits.

The rate table below shows the estimated annual and 6-month policy costs, in addition to a monthly amount for budgeting, for each Nissan Z package and trim level.

Tips to reduce the cost of insuring a Nissan Z

Insurance rates on a Nissan Z are high in relation to the average car, but are not bad when compared to higher-performance models. There are some things you can do to ensure the cost stays as low as possible, however. The list below has some of the best ways to keep prices down when insuring a Nissan Z.

• The higher deductible you choose, the lower the policy cost. Raising your policy deductibles from $500 to $1,000 could save around $368 per year for a 40-year-old driver and $698 per year for a 20-year-old driver.
• Teen drivers cost a lot to insure. Average rates for full coverage Z insurance costs $7,558 per year for a 16-year-old driver, $7,339 per year for a 17-year-old driver, $6,618 per year for an 18-year-old driver, and $6,033 per year for a 19-year-old driver.
• Negligent drivers pay higher insurance rates. Too many at-fault accidents will increase rates, possibly by an additional $3,012 per year for a 20-year-old driver and even as much as $488 per year for a 60-year-old driver.
• More mature drivers get better rates than young drivers. The difference in insurance cost on a Z between a 60-year-old driver ($1,816 per year) and a 30-year-old driver ($2,354 per year) is $538, or a savings of 25.8%.
• More discounts means cheap Nissan Z insurance rates. Discounts may be available if you are accident-free, are a homeowner, drive low annual mileage, take a defensive driving course, or many other discounts which could save as much as $370 per year (or more).

Nissan Z insurance rates vs. the competition

The Nissan Z ranks eighth out of 23 total comparison vehicles in the sports car category for insurance affordability. The Z costs an average of $2,200 per year for full coverage car insurance, while the category average price is $2,611 per year, a difference of $411 less per year.

When insurance prices are compared to some other models in the sports car category, insurance prices for a Nissan Z cost $1,460 less per year than the Mercedes-Benz SL 55, $202 more per year than the Toyota GR86, $446 more per year than the Mazda MX-5 Miata, and $114 more per year than the Ford Mustang.

The following table shows how car insurance rates for a 2024 Nissan Z compare to other sports cars.