Nissan 370Z Insurance Rates

Everybody who shares the road has one thing in common, and that’s the need to carry an auto insurance policy. Whether or not you want to get full coverage or liability alone is up to you, but if you want to find good insurance rates for a Nissan 370Z, you’ve come to the right place.

This article will educate you on the size and class of the Nissan 370Z, provide you with background on how liability insurance rates are calculated, the safety features of the vehicle, overall MSRP value, and repair estimates.

Get started by reviewing the information outlined in this article. Once you’re ready to start comparing quotes, use our free online tool.

The average insurance rates for a Nissan 370Z are $1,220 a year including full coverage. Comprehensive insurance costs around $192 a year, collision costs $314, and liability coverage is $534. Liability-only coverage costs around $588 a year, with high-risk coverage costing $2,640 or more. Teenage drivers cost the most to insure at $4,888 a year or more.

Average premium for full coverage: $1,220

Policy rates for type of insurance:

Prices include $500 policy deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and 370Z trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above highlight why it is important to compare rates quotes for a specific zip code and risk profile, rather than using average rates.

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

Rates by State, City, and Model

The chart below breaks down estimated Nissan 370Z insurance rates for additional coverage choices and driver risks.

• The best discount rate is $728
• Raising to $1,000 deductibles will save about $1,104 every year
• The average rate for a good driver age 40 using $500 deductibles is $1,220
• Using low $100 deductibles will cost an extra $220 each year
• Unlucky drivers who are prone to accidents and violations could pay at least $2,640 or more
• Policy cost for full coverage for a teenage driver can be $4,888

View Chart as Image

Insurance rates for a Nissan 370Z also range considerably based on your risk profile, the model of your 370Z, and deductibles and policy limits.

Older drivers with no violations or accidents and high deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay as much as $4,800 a year. View Rates by Age

Your home state also has a big influence on Nissan 370Z insurance rates. A middle-age driver might find rates as low as $940 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,740 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $340 a year, while buying higher liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $426 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 are likely paying at least $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 137% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out your exact price is to get quotes and see how they stack up. Every auto insurance company uses a different method to calculate rates, and rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2009 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find the Right Nissan 370Z Insurance

Finding cheaper rates on auto insurance consists of being a good driver, having a good credit history, paying for small claims out-of-pocket, and taking advantage of discounts. Set aside time to compare rates at every other renewal by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a quick rundown of the concepts that were covered above.

• Drivers with reckless driving or DUI convictions pay on average $1,420 more every year than a safer driver
• Drivers age 16 to 20 are charged the highest rates, with premiums being up to $407 each month including comprehensive and collision insurance
• You may be able to save up to $140 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save around $325 each year
• You may be able to save up to $140 per year simply by quoting early and online

Even though the average annual rate for Nissan 370Z drivers is $1,676, there are several factors that ultimately determine the price of your individual policy. 

How does the size and class of the Nissan 370Z affect liability rates?

The amount of money you pay for liability auto insurance depends mainly on the size and class of your vehicle. The Insurance Institute for Highway Safety (IIHS) officially classifies the Nissan 370Z as a midsize sports car.

Since sports cars are smaller and lighter than family vehicles, such as minivans, insurance rates for the Nissan 370Z tend to be more expensive by comparison.

However, if you look at the bodily injury liability and property damage liability loss percentages for the Nissan 370Z as it compares to other similar models, this is where you can start to see how affordable insurance truly is for the car.

The IIHS reports that the Nissan 370Z has a loss probability of -16 percent for bodily injury and -7 percent for property damage. 

If you are unfamiliar with how loss ratios work, lower or negative loss percentages yield more affordable insurance rates. Therefore, liability insurance for the Nissan 370Z is considered favorable for the class.

What does liability insurance cost for a Nissan 370Z?

Now that we know how liability insurance rates are calculated, you might be curious to know how that translates to actual dollars and cents.

The following general quotes will show a breakdown of how much bodily injury liability costs for the Nissan 370Z from low to high coverage. Keep in mind that these rates are for bodily injury liability alone, now for your entire insurance policy. 

• Low ($25,000): $100.47
• Medium ($50,000): $123.63
• High ($100,000): $137.27

Compared to bodily injury, property damage liability insurance rates for the Nissan 370Z tend to be slightly more affordable. Take a look at the following quotes for property damage liability insurance as an itemized cost.

• Low ($25,000): $97.25
• Medium ($50,000): $97.74
• High ($100,000): $102.07

It is possible that the insurance policy you want to get for your Nissan 370Z can be customized. However, when it comes to liability insurance, your bodily injury and property damage limits will likely be the same.

That’s why it’s important for you to have a good idea of how much money you want to be insured during the research phase.

What are the safety features and ratings of the Nissan 370Z?

Another way you can end up saving more money on insurance is by driving a vehicle that has positive safety features and ratings.

In the case of the Nissan 370Z, Autoblog.com reports that the sports car has the following list of safety features come standard for the model.

• Anti-Lock Brakes – Also known as ABS, these brakes have sensors that detect when the tire(s) have stopped moving when extreme braking occurs. The ABS system will modify pressure allowing the tire(s) to continue rotating safely.
• Stability Control – This feature automatically senses when the van’s handling limits have been exceeded and reduces engine power and applies select brakes to help prevent the driver from losing control.
• Front-Impact Airbags – This feature serves to protect the heads of the driver and passengers during a front-end crash.
• Pretensioners – This feature automatically tightens the seatbelts to place the occupant in the optimal seating position during a collision.
• Anti-Whiplash – These head restraints actively react to rear collision forces and cradle the occupants’ head in an effort to reduce the likelihood of a whiplash injury.
• Anti-Theft Security – This technology anticipates and detects unwanted vehicle intrusion. The vehicle is equipped with an ignition-disable device that will prevent the engine from starting if the correct original manufacturer key is not used.

No matter how many safety features are included with a particular model like the Nissan 370Z, accidents are an inevitable part of driving.

The IIHS reports that out of 9,736,590 registered midsize cars, a total of 396 deaths have resulted after car crashes. Broken down, that is a fatality rate of 41 per one million registered people.

The average for all vehicle types is 36 per million, so models like the Nissan 370Z experience a fatality rate that is slightly higher than the median.

Beyond vehicle type, fatality statistics vary based on the point of impact from which the crash occurred. Take a look at the following figures to see how some types of crashes are more fatal than others.

• Frontal Impact: 7,433 deaths  
• Side Impact: 3,568 deaths 
• Rear Impact: 834 deaths
• Other (mostly rollovers): 1,303 deaths

Since driving can be unpredictable at times, two things that you have total control over are how safely you choose to drive and how much protection you have in the form of your auto insurance policy.

What is the MSRP of the Nissan 370Z?

Knowing the value of a Nissan 370Z will help you understand how much full insurance coverage will cost for the model. The best way to find out the value of this car by examining the Manufacturer’s Suggested Retail Price (MSRP).

As of the writing of this article, Kelley Blue Book (KBB) reports that a 2020 base-level Nissan 370Z has an MSRP of $32,415 with a fair market value range between $28,955 and $31,212.

When it comes to getting more insurance coverage to protect your Nissan 370Z, the two most basic forms of coverage you can get are called collision and comprehensive insurance.

• Collision car insurance is a type of coverage that will pay for any costs associated with repairing or even replacing your vehicle if it gets damaged after colliding with another car or object.
• Comprehensive car insurance protects you from any damage sustained that is outside of your control, such as a bicycle running into your vehicle while it is parked on the street.

The decision to have full coverage or liability only is entirely up to you. However, it’s important to remember that having a liability-only policy will not pay for any damages sustained to your Nissan 370Z.

How much will it cost to repair my Nissan 370Z?

Paying for vehicle maintenance is necessary for every type of car model from trucks and vans to smaller sports cars like the Nissan 370Z.

According to experts from RepairPal, the Nissan 370Z has an average annual repair cost that amounts to $504 per year. This includes regularly scheduled appointments and more significant work.

If there is a specific part of the Nissan 370Z that needs to be repaired, take a look at the following estimates courtesy of Instant Estimator.

• Front Bumper: $437.40
• Rear Bumper: $459.80
• Hood: $414.20
• Roof: $451.40
• Front Door: $401.60
• Back Door: $390.20
• Fender: $364.60
• Quarter Panel: $389.40

We uncovered a lot of information about insurance rates for the Nissan 370Z. Is there any specific topic you would like to have seen expanded? If not, you are ready to start comparing insurance quotes for free with our online tool.