- Car insurance rates for a Nissan Z average $1,978 per year or around $165 per month.
- Ranked sixth out of 26 other models in the sports car class, car insurance rates for the Nissan Z cost $434 less per year than the average cost for the segment.
- The Sport trim is the cheapest to insure at around $1,852 per year, or $154 per month.
- The model with the most expensive insurance is the Proto Spec at $2,060 per year, or around $172 per month.
How much does Nissan Z insurance cost?
Insurance for a 2023 Nissan Z averages $1,978 annually for full coverage, or about $165 monthly. Expect to pay approximately $434 less per year to insure a Nissan Z compared to the average rate for sports cars, but $293 more per year than the overall national average of $1,685 for all vehicles.
The rate summary chart below breaks down average auto insurance cost for a Z using different driver ages and policy limits.
|Driver Risk Profile||Annual Rate||Monthly Rate|
|High Risk Driver Age 30||$4,444||$370|
|Safe Driver Age 20||$3,896||$325|
|At-fault Accidents Age 40||$2,764||$230|
|Low Deductibles Age 40||$2,596||$216|
|Safe Driver Age 30||$2,090||$174|
|Safe Driver Age 40||$1,978||$165|
|Safe Driver Age 50||$1,796||$150|
|Safe Driver Age 60||$1,760||$147|
|High Deductibles Age 40||$1,656||$138|
|Discount Rate Age 40||$1,642||$137|
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.
|Nissan Z Trim Level||Annual Policy||Six-Month Policy||Per Month|
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 $322 per year for a 40-year-old driver and $616 per year for a 20-year-old driver.
- Teen drivers cost a lot to insure. Average rates for full coverage Z insurance costs $6,904 per year for a 16-year-old driver, $6,474 per year for a 17-year-old driver, $6,058 per year for an 18-year-old driver, and $5,500 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 $2,708 per year for a 20-year-old driver and even as much as $572 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 ($1,760 per year) and a 30-year-old driver ($2,090 per year) is $330, or a savings of 17.1%.
- 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 $336 per year (or more).
Nissan Z insurance rates vs. the competition
The Nissan Z ranks sixth out of 26 total comparison vehicles in the sports car category for insurance affordability. The Z costs an average of $1,978 per year for full coverage car insurance, while the category average price is $2,412 per year, a difference of $434 less per year.
When insurance prices are compared to some other models in the sports car category, insurance prices for a Nissan Z cost $682 less per year than the Dodge Challenger, $64 more than the Ford Mustang, and $198 less than the Chevrolet Corvette.
The following table shows how car insurance rates for a 2023 Nissan Z compare to other sports cars.
|1||Mazda MX-5 Miata||$1,630||-$348|
|7||Toyota GR Supra||$2,010||$32|
|13||Lexus RC F||$2,270||$292|
|16||Mercedes-Benz AMG GT53||$2,448||$470|
|20||Lexus LC 500||$2,652||$674|
|25||Mercedes-Benz SL 55||$3,382||$1,404|
|26||Mercedes-Benz SL 63||$3,600||$1,622|