Nissan 370Z Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 4, 2023

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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.

Average insurance rates for a Nissan 370Z are $1,178 a year for full coverage. Comprehensive insurance costs on average $180 a year, collision insurance costs $284, and liability is estimated at $534. Buying just liability costs approximately $588 a year, and insurance for high-risk drivers costs $2,550 or more. Teens receive the highest rates at up to $4,758 a year.

Average premium for full coverage: $1,178

Rate estimates by individual coverage type:

Comprehensive $180
Collision $284
Liability $534

Prices include $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and 370Z trim levels.

Price Range by Coverage and Risk

For the normal driver, prices range range from the low end price of $588 for just the minimum liability insurance to a high of $2,550 for high-risk insurance.

Liability Only $588
Full Coverage $1,178
High Risk $2,550

Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural areas tend to have lower incidents of accident claims than cities with more traffic congestion. The diagram below illustrates how geographic area affects car insurance rates.

Rural Areas $884
Small Cities $1,237
Large Cities $1,590

These examples show why it is important to get quotes based on a specific location, instead of using averaged prices.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Analysis

The chart below shows average Nissan 370Z insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $708
  • Choosing higher $1,000 deductibles can save around $1,072 a year
  • The estimated price for a 40-year-old driver with $500 deductibles is $1,178
  • Selecting low $100 deductibles for comp and collision coverage will cost an additional $204 every year
  • Unlucky drivers with serious driving violations could pay upwards of $2,550
  • The cost that insures a teen driver may cost $4,758 each year

View Chart as Image

Nissan 370Z insurance cost comparison chart
Column chart showing Nissan 370Z insurance prices range from $708 to $4,758 for full coverage

Auto insurance rates for a Nissan 370Z can also vary considerably based on the trim level of your 370Z, how you drive, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you could be paying at a minimum $1,400 to $2,000 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges as much as 42% to 132% more than the average policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,100 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay upwards of $4,700 a year. View Rates by Age

Where you live plays a big part in determining prices for Nissan 370Z insurance prices. A good driver about age 40 could pay as low as $780 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,680 on average in Michigan, Louisiana, and New York.

Nissan 370Z Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,066 -$112 -9.5%
Alaska $904 -$274 -23.3%
Arizona $980 -$198 -16.8%
Arkansas $1,178 -$0 0.0%
California $1,344 $166 14.1%
Colorado $1,124 -$54 -4.6%
Connecticut $1,210 $32 2.7%
Delaware $1,334 $156 13.2%
Florida $1,474 $296 25.1%
Georgia $1,090 -$88 -7.5%
Hawaii $846 -$332 -28.2%
Idaho $798 -$380 -32.3%
Illinois $876 -$302 -25.6%
Indiana $890 -$288 -24.4%
Iowa $796 -$382 -32.4%
Kansas $1,118 -$60 -5.1%
Kentucky $1,608 $430 36.5%
Louisiana $1,746 $568 48.2%
Maine $728 -$450 -38.2%
Maryland $974 -$204 -17.3%
Massachusetts $942 -$236 -20.0%
Michigan $2,044 $866 73.5%
Minnesota $986 -$192 -16.3%
Mississippi $1,414 $236 20.0%
Missouri $1,044 -$134 -11.4%
Montana $1,266 $88 7.5%
Nebraska $930 -$248 -21.1%
Nevada $1,416 $238 20.2%
New Hampshire $852 -$326 -27.7%
New Jersey $1,320 $142 12.1%
New Mexico $1,044 -$134 -11.4%
New York $1,242 $64 5.4%
North Carolina $680 -$498 -42.3%
North Dakota $968 -$210 -17.8%
Ohio $812 -$366 -31.1%
Oklahoma $1,208 $30 2.5%
Oregon $1,078 -$100 -8.5%
Pennsylvania $1,124 -$54 -4.6%
Rhode Island $1,572 $394 33.4%
South Carolina $1,068 -$110 -9.3%
South Dakota $996 -$182 -15.4%
Tennessee $1,032 -$146 -12.4%
Texas $1,420 $242 20.5%
Utah $872 -$306 -26.0%
Vermont $806 -$372 -31.6%
Virginia $704 -$474 -40.2%
Washington $908 -$270 -22.9%
West Virginia $1,080 -$98 -8.3%
Wisconsin $816 -$362 -30.7%
Wyoming $1,050 -$128 -10.9%

View Chart as Image

Nissan 370Z insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can save as much as $310 every year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Nissan 370Z Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Nissan 370Z 2-Dr Coupe $1,152 $96
Nissan 370Z Touring 2-Dr Coupe $1,190 $99
Nissan 370Z 2-Dr Roadster $1,074 $90
Nissan 370Z Nismo 2-Dr Coupe $1,220 $102
Nissan 370Z Touring 2-Dr Roadster $1,090 $91

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.

Nissan 370Z Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2016 Nissan 370Z $258 $506 $520 $1,464
2014 Nissan 370Z $234 $436 $524 $1,374
2013 Nissan 370Z $228 $406 $534 $1,348
2012 Nissan 370Z $210 $378 $534 $1,302
2011 Nissan 370Z $206 $342 $540 $1,268
2009 Nissan 370Z $180 $284 $534 $1,178

Rates are averaged for all Nissan 370Z models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Right Nissan 370Z Insurance

Saving money on car insurance takes being safe and accident-free, maintaining a good credit score, eliminating unneeded coverage, and deciding if full coverage is necessary. Compare rates every couple of years by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below you'll find a quick rundown of the material that was presented in the illustrations above.

  • Policyholders who require more liability protection will pay approximately $590 each year to raise limits from a minimum limit to the 250/500 level
  • Youthful drivers are charged the highest rates, costing as high as $397 per month if the policy includes full coverage
  • Higher risk drivers with reckless driving or DUI convictions may pay on average $1,370 more each year than a low-risk driver
  • Increasing deductibles can save approximately $300 each year

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. 

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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, 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.

Rates by Driver Age

Nissan 370Z Insurance Rates by Driver Age
Driver Age Premium
16 $4,758
20 $2,720
30 $1,202
40 $1,178
50 $1,084
60 $1,062

Full coverage, $500 deductibles

Rates by Deductible

Nissan 370Z Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,382
$250 $1,290
$500 $1,178
$1,000 $1,072

Full coverage, driver age 40

Rates by Liability Limit

Nissan 370Z Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,178
50/100 $1,185
100/300 $1,303
250/500 $1,611
100 CSL $1,232
300 CSL $1,493
500 CSL $1,683

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan 370Z Insurance Rates for High Risk Drivers
Age Premium
16 $6,716
20 $4,336
30 $2,574
40 $2,550
50 $2,442
60 $2,418

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $161

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $60
Multi-vehicle $64
Homeowner $21
5-yr Accident Free $74
5-yr Claim Free $74
Paid in Full/EFT $44
Advance Quote $53
Online Quote $80
Total Discounts $470
Rate after discounts $708

Discounts are estimated and may not be available from every company or in every state.

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