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Car insurance for Nissan 370Z

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Nissan’s powerful and sporty 370Z model has been impressing owners since its 2009 model, but this top sports car comes at a price. That price may extend to insurance costs. The average annual cost of car insurance in the U.S. is $1,674, based on Bankrate’s 2021 study of quoted annual premiums. Full coverage for the 370Z, however, averages $2,359 annually.

2020 was the last year of production for the 370Z, but there are still thousands on the road and available at dealerships as pre-owned vehicles across the country. If you are considering purchasing one, it may pay to look for the best cheap car insurance you can find.

Models included in this review:
This article reviews insurance for a single model: the Nissan 370Z.

How much does it cost to insure a Nissan?

The average cost of car insurance in the U.S. is $1,674, or $139.50 a month. Your rate is based on multiple factors and will likely be different than the average. Your car’s type and age, your age, location, credit rating (if you live in a state that permits it) and more may all be considered by insurers when determining your premium. Other considerations include the following:

  • Price of parts: Nissan 370Zs are assembled primarily in Japan using Japanese parts. This may make parts harder to come by and more expensive if you are doing repairs in the U.S.
  • Safety features: The Nissan 370Z has standard safety features, such as front- and side-impact air bags, anti-whiplash head restraints and stability control. However, it does not have the high-tech safety features that newer cars have, such as multiple cameras, blind spot warnings and lane departure warnings.

Car insurance for a Nissan: by model

As we noted, your Nissan 370Z insurance cost will probably differ from the national and vehicle averages since there are multiple factors that your insurer will consider that are unique to your situation. However, it could be useful to know what the averages are when you start your search for inexpensive Nissan 370Z insurance.

Car insurance for 370Z

Minimum coverage includes liability insurance and may have other requirements depending on the state you live in. Full coverage includes all state-mandated insurance as well as optional collision and comprehensive coverage.

Full coverage 370Z insurance cost tends to be more expensive than other standard vehicles because repairing these sports cars can cost thousands of dollars following a serious accident or other mishap — for example, if your car is hit by a falling tree. Because of the expense, insurers generally charge considerably more for Nissan 370Z car insurance with full coverage.

Nissan 370Z car insurance Average annual premium
Minimum coverage $461
Full coverage $2,359

Cheapest car insurance companies for Nissan 370Z

No one wants to pay more for car insurance than they have to. The insurers below are known for offering competitive prices for Nissan 370Z insurance. All of these providers are also some of the best car insurance companies of 2021. The rates for Nissan 370Z car insurance are below the average by as much as $1,272 per year, like in the case of Erie insurance, which has the lowest average premium of the insurers highlighted. However, it may be worthwhile to get quotes from several insurers as the cheapest carrier will be different for every driver.

Average annual premium for full coverage by model

Car insurance company Nissan 370Z
Amica $2,119
Erie $1,087
Geico $1,972
State Farm $1,549
USAA $1,671

Nissan features that impact insurance costs

Nissan built the 370Z with features that may lower your insurance costs. However, there are other features not included that are found on more newly-designed cars, which might have decreased your rates even more. Features on the Nissan 370Z include:

  • Airbags: The 370Z comes with front- and side-impact airbags, as well as overhead airbags to protect your head in a rollover.
  • Stability control: This feature automatically senses when the car is going faster than it is able to safely and reduces engine power and may even apply the brakes.
  • Security features: The 370Z is equipped with an ignition disable device to deter theft by preventing startup if the manufacturer key is not used. However, it lacks more technological anti-theft devices that other cars have.
  • Pretensioners: These devices help to tighten seat belts so that the driver or passengers are in the best position possible if an accident happens.
  • Anti-whiplash: These are head restraints that sense a rear collision and move to cradle the occupant’s head to avoid whiplash.

Other car insurance coverage for a Nissan 370Z

In almost every state in the U.S., you are required to carry a minimum amount of liability insurance. Some states also have other requirements, such as personal injury protection (PIP) or uninsured/underinsured motorist coverage. Here are some of the other most common optional coverages you can add to your policy:

  • Collision: As the name suggests, collision covers your 370Z if you are in an accident and the car is damaged or totaled. You will pay a deductible as set by you and your insurer, and your collision coverage will help pay the rest.
  • Comprehensive: Comprehensive coverage is often purchased with collision and covers anything other than a collision that damages your car. This might include hitting an animal, theft, vandalism or a falling object such as a tree.
  • Uninsured motorist: This is mandatory in some states, but optional in others. It covers damage to your car if you are involved in an accident with one of the 12.6% of motorists on the road illegally without insurance.
  • Gap insurance: If you have a car that is less than one year old, and you financed its purchase, gap insurance may be a good idea to consider. It will pay the difference between your car’s depreciated value after an accident and the amount you owe, which may be higher.
  • Roadside assistance: This type of coverage used to be limited to car groups such as AAA, but is now offered as an option on your insurance. It will cover you if you are unable to drive your car for some reason, such as a dead battery or lockout.
  • Rideshare driver coverage: If you drive for Uber, Lyft, or another rideshare company, rideshare coverage will help cover the difference between what your employer offers and your personal insurance.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Nissan of the following model types, commute five days a week and drive 12,000 miles annually:

  • Nissan Nissan 370-Z

These are sample rates and should only be used for comparative purposes.

Written by
Mary Van Keuren
Insurance Contributor
Mary Van Keuren has written for insurance domains such as Bankrate,, and The Simple Dollar for the past five years, specializing in home and auto insurance. She has also written extensively for consumer websites including and Slumber Yard. Prior to that, she worked as a writer in academia for several decades.
Edited by
Insurance Editor