Annual full coverage insurance for a Nissan 350Z ranges from $930 to $5,721. Rates vary based on the car’s model year, your age, location, driving history, coverage level and insurer. This article explores Nissan 350Z insurance costs, highlighting the best companies and most affordable options for drivers.
Nissan 350Z Insurance Cost
Updated: March 19, 2025
Key Takeaways
State Farm has the most affordable minimum coverage across all Nissan 350Z model years at $436 annually.
For a Nissan 350z, the average yearly cost is $564 for minimum coverage and $1,299 for full coverage.
MoneyGeek examined 1,793 quotes from Quadrant Information Services to provide these insights.
Nissan 350Z Insurance Rates
What Is the Average Nissan 350Z Car Insurance Cost?
The average full coverage insurance cost for a Nissan 350Z is $108 per month or $1,299 per year, based on a 40-year-old male driver with a clean record. Minimum coverage costs around $47 monthly or $564 annually.
| Minimum Coverage | $564 |
| Full Coverage | $1,299 |
Nissan 350Z Insurance Costs by Company
Nissan 350Z insurance costs range from $960 to $1,691 annually. Rates vary depending on age, model year and coverage level. The table below compares the average Nissan 350Z insurance rates with the averages for all vehicles from several national and midsize providers.
| Allstate | $1,564 | $1,811 | -14% |
| Auto-Owners | $1,036 | $1,227 | -16% |
| Farmers | $1,580 | $1,956 | -19% |
| GEICO | $1,168 | $1,332 | -12% |
| Kemper | $1,691 | $2,212 | -24% |
| Nationwide | $1,333 | $1,588 | -16% |
| Progressive | $1,686 | $1,742 | -3% |
| State Farm | $1,026 | $1,269 | -19% |
| Travelers | $1,421 | $1,521 | -7% |
| USAA | $960 | $1,200 | -20% |
Read more: Best Car Insurance Companies
Cost of Insuring a Nissan 350Z by Model Year
Your Nissan 350Z's production year affects insurance rates, with older models typically costing less. For instance, full coverage for a 2004 model averages $1,222 annually, while a 2008 model costs $1,397. Below are the average full and minimum coverage rates by production year.
| 2009 | $559 | $1,344 |
| 2008 | $607 | $1,397 |
| 2007 | $596 | $1,336 |
| 2006 | $587 | $1,300 |
| 2005 | $552 | $1,235 |
| 2004 | $550 | $1,222 |
Nissan 350Z Insurance Costs by Driver Age
Nissan 350Z insurance rates vary by driver's age. For example, 40-year-olds pay around $1,306 annually for full coverage, while 16-year-olds pay $5,721. Below are the average rates based on different ages.
| 16 | $2,640 | $5,721 |
| 17 | $2,152 | $4,686 |
| 18 | $1,877 | $4,129 |
| 19 | $1,328 | $2,933 |
| 20 | $1,194 | $2,667 |
| 21 | $946 | $2,147 |
| 22 | $865 | $1,971 |
| 23 | $803 | $1,840 |
| 24 | $761 | $1,750 |
| 25 | $669 | $1,552 |
| 26 | $652 | $1,510 |
| 27 | $637 | $1,478 |
| 28 | $627 | $1,456 |
| 29 | $619 | $1,436 |
| 30 | $598 | $1,380 |
| 35 | $581 | $1,334 |
| 40 | $575 | $1,306 |
| 45 | $570 | $1,285 |
| 50 | $555 | $1,242 |
| 55 | $540 | $1,205 |
| 60 | $540 | $1,201 |
| 65 | $565 | $1,232 |
| 70 | $612 | $1,320 |
| 75 | $678 | $1,448 |
| 80 | $766 | $1,615 |
| 85 | $828 | $1,731 |
| 90 | $872 | $1,813 |
Nissan 350Z Insurance Rates Explained
Several factors influence car insurance rates, including a driver’s profile. Insurers also consider details about the vehicle, such as its make, model, age, safety features and repair costs. Below is a breakdown of these vehicle-related cost factors.
Nissan 350Z Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Nissan 350Z
Average Full Coverage Rate
$1,299Premiums for Nissan 350Z are:$3 more
This is 0% more expensive.
Repair costs
The Nissan 350Z's annual repair cost of $452 is below the national average. This lower cost can result in cheaper insurance premiums. Factors such as ease of part replacement and labor costs also influence insurance rates.
Vehicle age
Newer Nissan 350Z models typically cost more to insure than older ones. However, collector and classic vehicles can also be very expensive.
Safety features
The Nissan 350Z has safety features like stability control, airbags and antilock brakes, which help reduce accident risk and may qualify for insurance discounts.
Vehicle size
Larger vehicles typically cost more to insure due to increased property damage risks. With a curb weight of 3,616 lbs, the Nissan 350Z may have higher insurance costs than smaller vehicles.
Cheapest Nissan 350Z Insurance
State Farm offers the lowest annual minimum coverage rate for a Nissan 350z at $436, based on a 40-year-old male with a clean driving record. Below is a breakdown of the cheapest car insurance rates across coverage levels, age groups, driving records, model years and more.
Cheapest Nissan 350Z Insurance by Coverage Level
The coverage level you choose can greatly affect your Nissan 350Z insurance rate. State Farm offers the most affordable minimum and full coverage rates. Below is a breakdown of the cheapest providers for both types.
Cheapest Nissan 350Z Minimum Coverage
State Farm offers the cheapest minimum coverage for a Nissan 350Z at $36 monthly. GEICO follows at $41, with Travelers and Nationwide offering competitive rates of $49 and $50, respectively.
| USAA | $30 | $363 |
| State Farm | $36 | $436 |
| GEICO | $41 | $492 |
| Travelers | $49 | $586 |
| Nationwide | $50 | $604 |
| Farmers | $56 | $668 |
| Allstate | $56 | $678 |
| Progressive | $59 | $703 |
*State Farm offers non-military-affiliated Nissan 350Z owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Nissan 350Z Insurance Rates by Model Year
The above list doesn't consider the production year, so lower rates might be available depending on your vehicle's age. Check the table below for the cheapest minimum coverage rates for every Nissan 350Z model year.
Data filtered by:Results filtered by:
Select
Model Year:2004
| Allstate | $684 | $57 |
| Farmers | $606 | $51 |
| GEICO | $495 | $41 |
| Nationwide | $600 | $50 |
| Progressive | $681 | $57 |
| State Farm | $413 | $34 |
| Travelers | $587 | $49 |
| USAA | $347 | $29 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Nissan 350Z Insurance
State Farm offers the cheapest full coverage for a Nissan 350Z at $1,004 annually or $84 monthly. Below is the complete list of full coverage car insurance providers and rates.
| USAA | $77 | $930 |
| State Farm | $84 | $1,004 |
| GEICO | $96 | $1,154 |
| Nationwide | $106 | $1,269 |
| Travelers | $118 | $1,414 |
| Farmers | $125 | $1,495 |
| Allstate | $125 | $1,503 |
| Progressive | $137 | $1,646 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Nissan 350Z owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Nissan 350Z Insurance by Age
Younger drivers aged 16 to 25 and seniors 55+ often face higher Nissan 350Z insurance costs. Below is a breakdown of the cheapest options by age.
Cheapest Nissan 350Z Insurance for Young Drivers
State Farm offers the cheapest auto insurance for young drivers, averaging $948 annually or $79 monthly for minimum coverage. Below is the complete list of the most affordable Nissan 350Z insurance rates for drivers aged 16 to 25.
| USAA | $62 | $738 |
| State Farm | $79 | $948 |
| GEICO | $97 | $1,161 |
| Travelers | $102 | $1,226 |
| Allstate | $128 | $1,535 |
| Nationwide | $131 | $1,568 |
| Farmers | $149 | $1,792 |
| Progressive | $172 | $2,067 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Nissan 350Z Insurance for Seniors
State Farm offers the cheapest car insurance for seniors at $40 monthly or $478 annually. Below is a full list of insurers providing affordable options for Nissan 350Z owners aged 55 and up.
| USAA | $40 | $477 |
| State Farm | $40 | $478 |
| GEICO | $49 | $584 |
| Travelers | $58 | $700 |
| Nationwide | $59 | $707 |
| Allstate | $69 | $823 |
| Farmers | $69 | $832 |
| Progressive | $71 | $858 |
*State Farm is the cheapest insurer for non-military-affiliated senior drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Nissan 350Z Insurance After an Accident
State Farm, GEICO and Travelers offer Nissan 350Z drivers the cheapest car insurance after an accident. See the complete list below.
| USAA | $45 | $539 |
| State Farm | $46 | $548 |
| GEICO | $64 | $773 |
| Travelers | $69 | $834 |
| Nationwide | $76 | $917 |
| Allstate | $77 | $924 |
| Progressive | $96 | $1,154 |
| Farmers | $113 | $1,359 |
*State Farm provides the lowest rates for non-military-affiliated at-fault Nissan 350Z drivers. USAA is the most affordable option for military-affiliated drivers.
Nissan 350Z Insurance Cost: Bottom Line
Regularly comparing car insurance rates from different providers can help you find the best deal. This article offers an in-depth look at Nissan 350Z insurance, including costs across demographics and the most affordable providers.
Nissan 350Z Insurance Rates: FAQ
Below are answers to common questions about the cost of insuring a Nissan 350Z, including minimum coverage and affordable plans.
What company has the cheapest car insurance for a Nissan 350Z?
State Farm is the cheapest car insurance provider for a Nissan 350Z, with an annual minimum coverage rate of $436.
What is the average cost of car insurance for a Nissan 350Z?
The average annual Nissan 350Z insurance cost is $564 for minimum coverage and $1,299 for full coverage.
Nissan 350Z Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 1,793 Nissan 350Z insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Nissan 350Z:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Nissan 350Z insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Nissan 350Z.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis also includes average rates for a full coverage policy that includes comprehensive and collision coverage (with a $1,000 deductible) and the following increased liability coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.