Though the Nissan 350Z launched in 2003 and became the 370Z in 2009, it’s still a popular model among drivers across the country. The fact that the 350Z is an older sports car might leave you wondering about its insurance cost. Understanding the average rates can help you decide whether to buy a 350Z, or it can help you find the best rate for your current vehicle. Read on to learn more about the average Nissan 350Z insurance cost and discover what factors can influence your monthly premiums.
What Is the Average Nissan 350Z Insurance Cost?
According to MoneyGeek, the average full coverage Nissan 350Z insurance cost is $1,197 per year or about $100 per month. The average cost of insurance is around $1,427 per year, meaning Nissan 350Z drivers can spend an average of $230 less per year on insurance. Of course, the rate you get depends on which provider you choose. USAA is an attractive option for military members and their families, as the average yearly rate is $965. Other affordable providers include GEICO and State Farm, with yearly averages of $1,128 and $1,184, respectively.
What Factors Affect Your Nissan 350Z Insurance Cost?
Here are some key factors that can affect your Nissan 350Z insurance cost:
Your Location
Where you live can have a big impact on how much you pay for car insurance. Factors such as high urban populations and high average disposable incomes lead to states like Delaware, Louisiana, and New York requiring drivers to pay higher premiums. It’s also important to note that premiums vary because states mandate different types of coverage. For instance, even though most states have minimum requirements for liability coverage, the state you live in may not require you to have uninsured/underinsured motorist coverage or personal injury protection. Fewer coverage requirements usually translate to lower monthly premiums.
The Amount of Coverage You Want
You may want to expand your policy to receive more protection in the event of an accident, especially if your state has few coverage requirements. For instance, a Nissan 350Z driver might increase their liability coverage to provide more peace of mind. You might also want to add comprehensive and collision policies. Even though no state requires these types of insurance coverage, they cover vehicle damage resulting from acts of nature, fires, theft, vandalism, and collisions. The more protection you receive through your policy, the higher your monthly premium will be.
Your Age
While the 350Z is a popular model among drivers of all generations, your age can affect the cost of your insurance. Teens ages 16 to 18 tend to pay the most, as insurance companies find that their inexperience with driving poses higher risks for accidents. Instead of purchasing their own policy, this demographic can share their parents’ insurance policies to save money. As you get older, your driving experience can qualify you for lower rates, and you can buy your own policy.
Your Gender
Historically, insurance providers have charged higher rates for men than they charge for women in certain states. This discrepancy is still commonplace because of the perceived level of risk between these two demographics. It’s worth noting that the difference in premiums between men and women is usually greater in teens than adults.
Your Driving History
Insurance companies often provide better rates to drivers with clean records because they view them as low-risk clients. Having no speeding tickets, accidents, or other traffic violations can help you save big on monthly premiums. Many insurance companies check only a certain number of years back, meaning an experienced driver may not have to worry about losing money because of a speeding ticket they received a decade ago.
The Type of Vehicle You Own
The type of Nissan 350Z you own will also still affect the cost of your insurance. Older models tend to be cheaper to maintain and repair, meaning rates will likely be lower for a 2003 model than the newest 2009 model. Insurance providers also account for the vehicle’s condition and how many miles you put on it per year. If you don’t drive very much and your vehicle has few problems, you’ll likely pay less for insurance.
Another factor to consider is the trim level you have. You’ll probably pay less to insure a Base model than you would for a Track model, as the latter comes with premium or rare features that are expensive to replace. If you have a 350Z Roadster instead of a Coupe, the insurance company may charge more because convertibles have a higher risk of theft.
Your Vehicle’s Safety Features
The Nissan 350Z has several safety features that can help you obtain an affordable insurance rate. Providers appreciate the vehicle’s standard dual-stage front airbags, electronic tire pressure monitoring, anti-whiplash systems, and seatbelt pre-tensioners. Insurance companies may also lower your rates if your 350Z has safety features like anti-theft systems and an ignition disabler that halts turnover upon insertion of an unoriginal key.
How Can You Lower Your Insurance Costs for a Nissan 350Z?
Here are some ways to lower your insurance costs for a Nissan 350Z:
- Buy an older car: Like any model, older Nissan 350Zs are cheaper to insure because of depreciation.
- Compare rates: Different providers offer unique discounts and use different formulas when calculating a person’s rates, so it’s worth shopping around.
- Keep a clean record: Try to be cautious when you’re on the road, and consider taking defensive driving courses to develop good habits.
Even though the Nissan 350Z is a sports car, its age and safety features make it relatively affordable to insure. You can secure a lower rate by buying an older model, comparing providers, and keeping a clean driving record. As you shop for the best deal, note that factors like age and location affect the rates available to you.

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.