Updated: January 15, 2025
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Insurance rates for a Nissan 370Z can change based on your age and the car's model year. For instance, the annual cost to insure a 16-year-old driver with a 2009 model can be as high as $6,456, whereas a 40-year-old driver with the same car may only pay $1,405. On the other hand, insuring a 2020 model could cost a 16-year-old driver $8,484 annually, while a 40-year-old driver may pay $1,857 per year.
MoneyGeek has also ranked the best insurers offering exceptional service at affordable prices.
When searching for the most affordable insurance coverage for your Nissan 370Z, it's crucial to consider both full and minimum coverage options, as rates can vary significantly between providers. Here's a breakdown of the cheapest insurers for both types of coverage:
Full Coverage Insurance
For comprehensive protection, State Farm stands out as the most affordable option for full coverage, offering an annual premium of just $1,227. It also boasts a high MoneyGeek score of 90 out of 100, indicating exceptional service at a competitive price. If budget is your main concern, State Farm combines affordability with quality service.
Minimum Coverage Insurance
For those prioritizing basic liability coverage, GEICO offers the lowest annual premium at $475. With a MoneyGeek score of 87, GEICO provides a balance of affordability and satisfactory customer service, making it an excellent choice for budget-conscious drivers seeking minimum coverage.
Age and Model Year Considerations
- Older Models (2009): For a 2009 Nissan 370Z, State Farm again provides the cheapest full coverage at $1,018 annually for a 40-year-old driver.
- Newer Models (2020): For a 2020 model, the most affordable full coverage option is offered by GEICO at $1,455 annually.
Teen Drivers
Insurance costs for teen drivers are significantly higher. For a 16-year-old, State Farm offers the cheapest full coverage at $4,836 per year. This highlights the importance of shopping around, especially for young drivers, to ensure you're getting the best possible rate.
In conclusion, whether you're looking for full or minimum coverage, comparing quotes from different insurers is essential to find a plan that aligns with your budget and needs. State Farm and GEICO emerge as the top affordable choices for Nissan 370Z owners, depending on the level of coverage you're seeking.
For a Nissan 370Z, the best car insurance provider based on MoneyGeek's evaluation is State Farm. State Farm offers the most affordable full coverage policy at $1,227 per year and has a stellar MoneyGeek score of 90 out of 100. This provider stands out for its excellent affordability combined with high customer satisfaction, making it a top choice for Nissan 370Z owners looking for reliable and cost-effective insurance coverage.
It's important to consider that insurance premiums can vary depending on factors such as the driver’s age, the specific model year of the vehicle, and location. For instance, while State Farm is generally the cheapest for a 2009 model at $1,018 per year, GEICO offers the best rate for a 2020 model, at $1,455 per year. Therefore, it's recommended to compare quotes from multiple providers to ensure you get the best rate tailored for your individual circumstances.
When it comes to car insurance premiums, age is a significant factor that affects the cost of coverage, particularly for vehicles like the Nissan 370Z. Insurance providers consider younger drivers, especially teenagers, to be high-risk due to their lack of driving experience, which is reflected in higher premiums. Conversely, more experienced drivers, such as those in their 40s, tend to benefit from lower insurance rates due to their perceived lower risk.
For instance, a 16-year-old driver insuring a 2009 Nissan 370Z can expect to pay an annual premium as high as $6,456. Meanwhile, a 40-year-old driver with the same car would pay significantly less, with an annual cost of around $1,405. If we consider a newer 2020 model, the cost rises for both age groups: a 16-year-old would face an annual premium of $8,484, whereas a 40-year-old's rate would be $1,857.
These examples highlight how insurance premiums for young drivers are substantially higher, reflecting the increased risk insurance companies associate with them. However, as drivers move into their 20s and beyond, insurance costs typically decrease as the risk factors associated with inexperience are mitigated. A clean driving record and taking advantage of available discounts can further reduce premiums over time.
For teenage drivers, certain strategies can help manage these high costs. Adding a teen to a family's existing insurance policy is often more economical compared to securing an individual policy. Additionally, shopping around for the best rates can yield significant savings. For example, State Farm offers the cheapest individual plan for 16-year-olds at $4,836 annually, while Progressive's rates are the highest at $13,164.
Throughout the driver's life, rates begin to level off in their 20s and remain relatively stable through the 30s and beyond, provided there are no major changes in the driver's risk profile. A 40-year-old driver, with their years of experience, typically enjoys much lower premiums compared to their teenage counterparts.
In summary, age plays a crucial role in determining car insurance premiums, with costs generally decreasing as drivers gain more experience. While the cost disparity between younger and older drivers can be considerable, understanding and navigating the factors that influence insurance rates can help drivers secure better deals.
Why Trust MoneyGeek? We collected thousands of car insurance quotes from Quadrant Information Services to analyze the average rates for a Nissan 370Z.
These rates were updated to reflect the average cost of car insurance for a Nissan 370Z as of 2023.
While the average cost to insure a Nissan 370Z is around $1,597 annually, you should compare rates to find the cheapest auto insurance policy that meets your needs. Rates can vary significantly between providers. State Farm offers the most affordable coverage at $1,227 per year for a full coverage policy, while Allstate is the most expensive at $1,886.
GEICO provides the cheapest coverage for minimum coverage at $475 per year, while Progressive is the most expensive at $735 per year.
| State Farm | $1,227 |
| GEICO | $1,394 |
| Nationwide | $1,413 |
| Travelers | $1,607 |
| Farmers | $1,727 |
| Progressive | $1,791 |
| Allstate | $1,886 |
Auto insurance providers consider several factors when determining the cost to insure a Nissan 370Z, such as the driver's age, driving record, location and model year. Nissan 370Z insurance costs tend to be moderately expensive compared to other vehicles. Certain models are either cheaper or more costly to insure depending on their market values, repair costs and theft rates. Factors like safety ratings and anti-theft features may also influence the cost of car insurance.
The cost of insurance is incredibly important to consider when purchasing coverage for your Nissan 370Z. Evaluating any provider's quality of customer service and claims handling is also crucial. MoneyGeek's top-rated car insurance providers are:
Placing first, State Farm scored the highest for affordability and second-highest for customer satisfaction among the seven providers we analyzed. This insurer provides its customers with great customer service at a relatively low price.
Offers the most affordable rates out of the seven providers we analyzed
Second-best customer satisfaction rating
Offers roadside assistance and rental car coverage
Does not offer gap insurance
Poor claims management score
State Farm is the best auto insurance company for the Nissan 370Z, offering affordable premiums and exceptional customer service. It provides basic coverage options, including roadside assistance and rental car coverage.
In case of a breakdown, State Farm provides coverage for mechanical labor for up to one hour, towing services to the nearest repair shop and tire changes. While you'll be responsible for the costs of the items, State Farm will cover the delivery of essentials, such as gas, oil and batteries. The insurer will pay for up to one hour of locksmith labor if you get locked out of your vehicle, as well.
State Farm also provides rental car coverage that pays for car rental expenses up to a specific limit and travel expenses up to $500. If you're at fault in an accident in your rental car, State Farm will also cover up to $500 of your deductible.
Offers the second-cheapest premiums
Ranked third for customer satisfaction
Offers mechanical breakdown insurance (MBI) and accident forgiveness
Does not offer original equipment manufacturer (OEM) coverage
Low claims management rating
If you're looking to insure your Nissan 370Z, GEICO provides excellent customer service at an affordable price. It ranks second in affordability and third in customer satisfaction among the insurance providers we looked at. In addition to the standard coverage options like roadside assistance and rental car coverage, GEICO offers add-ons like mechanical breakdown insurance (MBI) and accident forgiveness. These additional options make GEICO a well-rounded choice for Nissan 370Z owners.
MBI provides greater coverage at a more reasonable price than most dealer-extended warranties for new or leased cars. Your car must be under 15 months old with less than 15,000 miles on the odometer to qualify for this add-on.
If you're over 21 years old and maintain a clean driving record without any accidents for five years or more, you can qualify for accident forgiveness. With this valuable coverage on your GEICO auto insurance policy, your Nissan 370Z insurance rate won't go up after your first at-fault accident.
A vehicle's model year also impacts its average cost of car insurance. For instance, insuring a 2009 Nissan 370Z costs around $1,405 per year, while insurance for a 2020 model costs about $1,857 per year, which is $452 more. Newer model years tend to be more expensive to insure due to their increased value and repair costs.
| 2020 | $1,857 |
| 2019 | $1,727 |
| 2018 | $1,702 |
| 2017 | $1,619 |
| 2016 | $1,588 |
| 2015 | $1,531 |
| 2014 | $1,465 |
| 2013 | $1,451 |
| 2012 | $1,411 |
| 2011 | $1,383 |
| 2010 | $1,407 |
| 2009 | $1,405 |
Nissan 370Z insurance costs will also vary depending on the insurer you select and the specific model year of your car. For example, the cheapest insurer for a 2009 model is State Farm at $1,018 per year, while the cheapest option for a 2020 model is GEICO at $1,455 per year. You should get quotes from multiple providers and compare them to make sure you secure the most favorable rate within your budget.
| GEICO | $1,455 |
| State Farm | $1,476 |
| Nationwide | $1,541 |
| Travelers | $1,778 |
| Allstate | $2,026 |
| Progressive | $2,253 |
| Farmers | $2,421 |
Car insurance tends to be much more expensive for teens and drivers in their 20s compared to adults aged 30 and older. For instance, Nissan 370Z insurance costs for a 16-year-old are roughly $7,002 annually, while a 40-year-old driver pays an average of $1,545 per year.
Teen car insurance costs decrease each year as a driver gets older. While costs tend to level off in their 20s, drivers can still benefit from maintaining a clean driving record and looking for discounts.
The cost of Nissan 370Z car insurance for teens can be significantly higher than for adults. One way to reduce this cost is to add your teen to the family car insurance policy, as individual plans are more expensive.
For a 16-year-old, State Farm is the cheapest insurer, with an average annual cost of $4,836 for an individual plan. Progressive is the most expensive, with an average yearly cost of $13,164. Teenagers and their families should shop for the cheapest teen car insurance rates.
| State Farm | $4,836 |
| Nationwide | $6,340 |
| GEICO | $6,668 |
| Travelers | $7,482 |
| Allstate | $8,736 |
| Farmers | $11,785 |
| Progressive | $13,164 |
Though a driver's age and the make and model of their car are major factors that determine insurance costs, the location where the vehicle is primarily driven also has a huge impact. Insurance premiums can vary widely by state, with Idaho having the lowest annual rates at around $299 and Florida having the highest at $1,058. To find the best Nissan 370Z insurance, you should compare quotes from the most affordable insurers in your state to find the best rates.
| Alabama | Nationwide | $709 | $59 |
| Alaska | State Farm | $699 | $58 |
| Arizona | Root Insurance Company | $682 | $57 |
| Arkansas | State Farm | $629 | $52 |
| California | AAA California | $1,001 | $83 |
| Colorado | American National P&C | $541 | $45 |
| Connecticut | GEICO | $693 | $58 |
| Delaware | State Farm | $881 | $73 |
| District of Columbia | GEICO | $662 | $55 |
| Florida | State Farm | $1,058 | $88 |
| Georgia | Country Financial | $665 | $55 |
| Hawaii | GEICO | $565 | $47 |
| Idaho | American National P&C | $299 | $25 |
| Illinois | Country Financial | $663 | $55 |
| Indiana | American Family | $555 | $46 |
| Iowa | State Farm | $509 | $42 |
| Kansas | Nationwide | $670 | $56 |
| Kentucky | Nationwide | $790 | $66 |
| Louisiana | Louisiana Farm Bureau | $1,048 | $87 |
| Maine | Concord Group | $521 | $43 |
| Maryland | Progressive | $938 | $78 |
| Massachusetts | State Farm | $483 | $40 |
| Michigan | GEICO | $898 | $75 |
| Minnesota | State Farm | $797 | $66 |
| Mississippi | Direct General Insurance | $723 | $60 |
| Missouri | Nationwide | $909 | $76 |
| Montana | Progressive | $437 | $36 |
| Nebraska | American National P&C | $405 | $34 |
| Nevada | CSAA | $940 | $78 |
| New Hampshire | State Farm | $540 | $45 |
| New Jersey | Plymouth Rock Assurance | $895 | $75 |
| New Mexico | State Farm | $644 | $54 |
| New York | Kemper | $781 | $65 |
| North Carolina | Erie | $630 | $52 |
| North Dakota | American Family | $616 | $51 |
| Ohio | Nationwide | $485 | $40 |
| Oklahoma | State Farm | $662 | $55 |
| Oregon | State Farm | $706 | $59 |
| Pennsylvania | Nationwide | $580 | $48 |
| Rhode Island | State Farm | $700 | $58 |
| South Carolina | American National P&C | $463 | $39 |
| South Dakota | Allstate | $746 | $62 |
| Tennessee | State Farm | $579 | $48 |
| Texas | State Farm | $699 | $58 |
| Utah | Nationwide | $725 | $60 |
| Vermont | State Farm | $493 | $41 |
| Virginia | American Family | $601 | $50 |
| Washington | PEMCO | $534 | $44 |
| West Virginia | Erie | $784 | $65 |
| Wisconsin | GEICO | $556 | $46 |
| Wyoming | State Farm | $745 | $62 |
If you're in the market for Nissan 370Z car insurance, you may have questions about finding the best insurance plan for your needs. We addressed some frequently asked questions to assist you in your search.
State Farm offers the cheapest rates, with yearly premiums averaging $1,227. Insuring a Nissan 370Z with this company is more affordable compared to the average insurance rate of $1,597 per year for this model. Remember that Nissan 370Z insurance rates can go up or down depending on your location, age and your car’s model year. Comparing coverage options and getting quotes from several insurers can help you find the best fit for your needs.
State Farm is the best auto insurance provider for the Nissan 370Z, earning a MoneyGeek score of 90 out of 100 due to its affordable premiums and excellent customer service. State Farm offers basic coverage options, including roadside assistance and rental car coverage. While Farmers has a higher customer satisfaction rating and better claims management, it is significantly more expensive than State Farm. Note that the best provider for you will vary depending on your preferences and budget.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned 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 5-time Jeopardy champion!
He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
