The Nissan 370Z is a two-seater sports car that first debuted in the U.S. in 2008. Though Nissan officially discontinued the 370Z after the 2020 model year, the vehicle remains a popular choice among car enthusiasts. If you still drive a Nissan 370Z, it needs to be protected with the right car insurance.
When it's time to find the best Nissan 370Z insurance, an independent insurance agent can assist you. These agents know where to get the right Nissan insurance at a great rate. But first, here's a closer look at how much it costs to insure a Nissan 370Z by model year and top-rated insurance company in 2026.
Key Takeaways - Nissan 370Z Car Insurance
Nissan 370Z insurance costs an average of $2,291 per year, or approximately $191 per month, for full coverage in 2026.
Nissan 370Z insurance costs vary widely by state, with drivers in Wyoming paying an average of only $39 monthly for minimum coverage, while those in Louisiana pay $188.
Your age, location, credit, trim level, and driving history are all major factors that can influence the cost of Nissan 370Z insurance.
American Family, USAA, and Erie are the cheapest carriers for model-year 2020 Nissan 370Z insurance this year.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Nissan 370Z model.
What Is Nissan 370Z Insurance?
Nissan 370Z insurance is a specialized car insurance policy that offers customized coverage for your specific vehicle. As a sports car, the 370Z may require additional coverage beyond that needed by standard sedans. However, the 370Z's average car insurance rates trend cheaper than those for similar vehicles in its class.
Recommended coverage options for Nissan 370Z drivers:
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
Add-on coverage options worth considering for a Nissan 370Z:
- Nissan warranty insurance: This can extend Nissan's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- Gap insurance: If you have a new or financed Nissan vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Nissan parts during the repair process.
A local independent insurance agent can help you get equipped with all the required Nissan 370Z insurance in your state.
How Much Does Nissan 370Z Insurance Cost?
The average cost of car insurance for a Nissan 370Z is $2,291 per year, or approximately $191 per month, for full coverage. Minimum coverage for a Nissan 370Z costs an average of $1,183 annually, or approximately $99 monthly. However, several factors can influence the cost of Nissan insurance, including:
- The specific type of 370Z you drive
- Annual mileage
- Your claims history
- Your location
- Your credit score (where allowed)
- The types and amount of coverage you need
- Vehicle safety features
- Your driving history
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Nissan 370Z full coverage insurance or a basic Nissan 370Z liability insurance policy.
Is the Nissan 370Z Expensive to Insure?
No, the Nissan 370Z isn't expensive to insure when compared to the average cost of auto insurance for typical coupes. The Nissan 370Z's monthly average of $191 is significantly lower than the $245 average for all coupes.
| Vehicle | Average Monthly Cost of Full Coverage |
| Nissan 370Z | $191 |
| All Coupes | $245 |
Average Nissan 370Z Insurance Rates Compared to Similar Vehicles
The Nissan 370Z's average monthly insurance rates are on the lower end, cost-wise, when compared to other vehicles in its class, including the Mercedes SLC and the Chevy Corvette. The table below compares the 370Z's average monthly rates to those of similar vehicles.
| Vehicle | Average Monthly Cost of Car Insurance |
| Chevrolet Camaro | $143 |
| BMW Z4 | $144 |
| Fisker Karma | $144 |
| Nissan 370Z | $145 |
| Mercedes SLC | $151 |
| Toyota 86 | $151 |
| Chevrolet Corvette | $153 |
| Toyota Supra | $153 |
Nissan 370Z Insurance Costs by Model Year
Next, we'll break down all model years of the Nissan 370Z and the average insurance costs for each.
| Model Year | Average Annual Cost of Car Insurance |
| 2020 Nissan 370Z | $1,170 |
| 2019 Nissan 370Z | $1,165 |
| 2018 Nissan 370Z | $1,423 |
| 2017 Nissan 370Z | $1,582 |
| 2016 Nissan 370Z | $1,330 |
| 2015 Nissan 370Z | $1,139 |
| 2014 Nissan 370Z | $1,145 |
| 2013 Nissan 370Z | $1,788 |
| 2012 Nissan 370Z | $1,343 |
| 2011 Nissan 370Z | $1,254 |
| 2010 Nissan 370Z | $733 |
Cheapest Nissan 370Z Car Insurance Companies for 2026
Some insurers offer more affordable Nissan 370Z insurance than others. These top-rated Nissan car insurance companies provide the cheapest model-year 2020 370Z insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| American Family | $1,996 |
| USAA | $2,051 |
| Erie | $2,187 |
| Progressive | $2,198 |
| Nationwide | $3,047 |
| Allstate | $3,927 |
Nissan 370Z Car Insurance Rates by State
Car insurance premiums are heavily influenced by your location. Here are some average auto insurance rates for the Nissan 370Z by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Alabama | $98 | $180 |
| Alaska | $69 | $147 |
| Arizona | $119 | $222 |
| Arkansas | $79 | $177 |
| California | $95 | $192 |
| Colorado | $94 | $225 |
| Connecticut | $136 | $234 |
| Delaware | $134 | $225 |
| Florida | $122 | $284 |
| Georgia | $146 | $238 |
| Hawaii | $52 | $117 |
| Idaho | $55 | $111 |
| Illinois | $89 | $166 |
| Indiana | $62 | $121 |
| Iowa | $55 | $133 |
| Kansas | $71 | $165 |
| Kentucky | $118 | $200 |
| Louisiana | $188 | $400 |
| Maine | $50 | $105 |
| Maryland | $147 | $247 |
| Massachusetts | $100 | $212 |
| Michigan | $148 | $285 |
| Minnesota | $80 | $166 |
| Mississippi | $94 | $184 |
| Missouri | $117 | $232 |
| Montana | $73 | $173 |
| Nebraska | $69 | $158 |
| Nevada | $168 | $303 |
| New Hampshire | $69 | $123 |
| New Jersey | $155 | $254 |
| New Mexico | $80 | $177 |
| New York | $120 | $215 |
| North Carolina | $76 | $149 |
| North Dakota | $58 | $127 |
| Ohio | $73 | $140 |
| Oklahoma | $88 | $196 |
| Oregon | $115 | $200 |
| Pennsylvania | $86 | $202 |
| Rhode Island | $119 | $213 |
| South Carolina | $97 | $181 |
| South Dakota | $54 | $163 |
| Tennessee | $78 | $157 |
| Texas | $120 | $245 |
| Utah | $102 | $173 |
| Vermont | $46 | $110 |
| Virginia | $92 | $148 |
| Washington | $87 | $162 |
| West Virginia | $85 | $172 |
| Wisconsin | $65 | $143 |
| Wyoming | $39 | $124 |
Average Nissan 370Z Insurance Rates by Trim Level
Auto insurance rates for the Nissan 370Z are also affected by the trim level. Here are some average Nissan 370Z insurance rates by trim level in 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Touring Sport Roadster 2d | $88 | $170 |
| Coupe 2d | $89 | $172 |
| Sport Tech Coupe 2d | $90 | $175 |
| Sport Coupe 2d | $91 | $176 |
| Nismo Tech Coupe 2d | $94 | $182 |
| Touring Coupe 2d | $97 | $187 |
| Nismo Coupe 2d | $99 | $191 |
| Roadster 2d | $99 | $192 |
| Touring Roadster 2d | $100 | $195 |
| Sport Touring Coupe 2d | $106 | $205 |
| Sport Touring Roadster 2d | $109 | $211 |
Average Nissan 370Z Insurance Rates by Driver Age and Profile
Your age, credit, and driving history can also significantly affect the cost of auto insurance. Teens and young drivers pay the highest average insurance rates for a Nissan 370Z. Auto insurance rates tend to decline considerably starting around age 25.
Once a driver reaches about age 65, auto insurance rates begin to climb through their senior years. Here are some average Nissan 370Z insurance rates by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $9,036 | $13,237 | $15,533 |
| 20 | $6,962 | $10,214 | $11,971 |
| 25 | $4,090 | $5,988 | $6,985 |
| 30 | $3,173 | $4,625 | $5,446 |
| 35 | $3,017 | $4,351 | $5,128 |
| 40 | $2,831 | $4,207 | $4,908 |
| 45 | $2,805 | $4,090 | $4,788 |
| 55 | $2,543 | $3,730 | $4,392 |
| 65 | $2,677 | $3,929 | $4,583 |
| 75 | $3,350 | $4,946 | $5,813 |
Best Nissan 370Z Insurance Discounts: How to Lower Your Nissan 370Z Insurance Premiums
Want to save even more money on Nissan 370Z insurance? Just follow any of these simple strategies to potentially increase your savings today:
- Ask about Nissan 370Z insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Ask about telematics programs: Your insurance company or Nissan may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Compare quotes from multiple carriers: Comparing Nissan 370Z insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Nissan 370Z insurance from a trusted carrier near you.
When you work with an independent insurance agent, you're automatically matched to the most affordable Nissan 370Z insurance company that offers the best discounts. Your agent can also recommend additional ways to lower your premiums even further.
An Independent Insurance Agent Can Help You Get the Best Nissan 370Z Insurance Quotes
When it's time to find the most affordable Nissan 370Z insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Nissan 370Z insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to lower your premium rates even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Nissan 370Z Insurance
How much does Nissan 370Z insurance cost per year?
The average annual cost of full coverage for a Nissan 370Z is $2,291 per year, or approximately $191 per month, for full coverage. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Nissan 370Z insurance premiums?
Having traffic violations or accidents on your record, poor credit, prior claims, or living in a high-theft rate area can all increase the cost of Nissan 370Z auto insurance.
Is the Nissan 370Z expensive to insure?
No, the Nissan 370Z isn't expensive to insure when compared to other coupes.
What are the best and cheapest carriers for Nissan 370Z insurance in 2026?
We found that American Family, USAA, and Erie are the best and cheapest car insurance companies for model-year 2020 Nissan 370Z insurance this year.
Is insurance cheaper for the Nissan 370Z than for similar vehicles?
Yes, the Nissan 370Z's average monthly auto insurance rate is cheaper than those for many similar vehicles, including the Chevy Corvette, the Toyota Supra, and the Mercedes SLC.
How can I get cheaper Nissan 370Z insurance?
Finding cheaper Nissan 370Z insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.moneygeek.com/insurance/auto/nissan-370z-insurance/
https://www.insuranceopedia.com/auto-insurance/nissan-370z-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/nissan/370z/