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Ben Luthi is a Utah-based insurance writer for Compare.com. With more than a decade of experience covering various insurance and personal finance topics, Ben is passionate about helping people make smart decisions with their money. His work has appeared on a variety of well-known personal finance websites, including the Wall Street Journal, Fortune, Credit Karma, Yahoo! Finance, Experian, NerdWallet, Insurify, and many more.
Ben has been writing for Compare.com since 2025.
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Sara Getman is an insurance editor for Compare.com. With several years of insurance experience, Sara is passionate about helping readers better manage their money by breaking down complex topics into simple, clear, and easy-to-understand language.
Sara earned a Bachelor of Arts in Literature from Simmons University, where she served as editor-in-chief for the school’s literary and art magazine, Sidelines. She has been editing for Compare.com since 2025.
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Car insurance for a Nissan 370Z costs an average of $175 per month, which is about 5% higher than the national average for all vehicles.
USAA offers the cheapest Nissan 370Z insurance, at an average of $87 per month.
As a sports car, the 370Z’s high-performance engine and repair costs push insurance rates higher than typical coupes.
Insurance costs for your Nissan 370Z depend largely on the type of insurance policy and coverage levels you choose.
A liability-only policy covers damage you cause to others but won’t pay for damage to your own car. Full coverage includes liability insurance plus comprehensive coverage, which protects against theft, weather, and vandalism, and collision coverage, which pays for accident damage to your vehicle.
The table below compares 370Z insurance rates to the average for all vehicles, according to Compare.com data.
Vehicle  | Average Liability Premium | Average Full-Coverage Premium | Overall Average Premium |
|---|---|---|---|
| Nissan 370Z | $122 | $228 | $175 |
| All vehicles | $116 | $216 | $166 |
The average Nissan 370Z costs $175 per month to insure, which breaks down to $122 per month for basic liability coverage and $228 per month for a full-coverage policy. These rates sit about 5% higher than the national average across all vehicles. Your actual insurance cost will vary based on factors like where you live, your age, and your driving history.
Compare rates for your Nissan 370Z and save money in seconds.
Insurance rates for the same vehicle can vary dramatically between companies because each insurer weighs risk factors differently. One insurance company might focus heavily on your age, while another places more emphasis on your location or driving record.
The table below shows average monthly premiums for the Nissan 370Z from top insurers, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $87 |
| State Farm | $104 |
| Allstate | $115 |
| GEICO | $128 |
| American Family | $133 |
| Progressive | $155 |
| Nationwide | $160 |
| Travelers | $169 |
| Farmers | $203 |
| Liberty Mutual | $256 |
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA offers some of the most affordable Nissan 370Z insurance. While the insurance company only serves military members, veterans, and their families, eligible drivers benefit from rates that are significantly lower than those of competitors.
The company consistently ranks among the best car insurance companies for customer satisfaction and claims handling, according to J.D. Power’s 2025 studies. USAA is an excellent choice for eligible 370Z owners.
Lowest 370Z rates available
Top-tier customer service
Membership limited to military family
Minimal in-person agencies
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm offers solid value and affordable rates for Nissan 370Z owners. With insurance agents in nearly every community, this insurance company makes it easy to get personalized service and discuss insurance coverage options in person.
The insurer offers several insurance discounts for safe driving, bundling policies, and vehicle safety features, which can help lower your sports car insurance premium even further.
Many agents available
Above-average claims satisfaction rating
Few available policy add-ons
Gap insurance not available
| User Reviews | 3.5 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate comes in as the third cheapest insurer for Nissan 370Z insurance. The insurer offers standard coverage options, plus other tools to help you save money. Examples include a car-buying service, roadside assistance, and an extended vehicle service plan. Allstate also offers accident forgiveness to help protect rates after your first at-fault incident.
Extra tools and programs
Coverage available nationwide
Below-average claims satisfaction rating
Few available add-ons
Your car’s age affects your insurance premium because newer vehicles cost more to repair or replace, which means higher comprehensive and collision coverage costs.
The tables below show how rates change by 370Z model year and the average monthly premiums for each, according to Compare.com data.
370Z Model Year | Average Monthly Premium |
|---|---|
| 2020 | $194 |
| 2019 | $190 |
| 2018 | $183 |
| 2017 | $179 |
| 2016 | $175 |
| 2015 | $172 |
| 2014 | $168 |
| 2013 | $160 |
| 2012 | $155 |
| 2011 | $150 |
| 2010 | $149 |
| 2009 | $143 |
Company | Average Monthly Premium |
|---|---|
| USAA | $96 |
| State Farm | $115 |
| Allstate | $128 |
| GEICO | $142 |
| American Family | $147 |
| Progressive | $171 |
| Nationwide | $178 |
| Travelers | $188 |
| Farmers | $225 |
| Liberty Mutual | $284 |
Company | Average Monthly Premium |
|---|---|
| USAA | $94 |
| State Farm | $112 |
| Allstate | $125 |
| GEICO | $139 |
| American Family | $144 |
| Progressive | $168 |
| Nationwide | $174 |
| Travelers | $183 |
| Farmers | $220 |
| Liberty Mutual | $277 |
Company | Average Monthly Premium |
|---|---|
| USAA | $91 |
| State Farm | $108 |
| Allstate | $120 |
| GEICO | $134 |
| American Family | $139 |
| Progressive | $161 |
| Nationwide | $167 |
| Travelers | $176 |
| Farmers | $212 |
| Liberty Mutual | $267 |
Company | Average Monthly Premium |
|---|---|
| USAA | $89 |
| State Farm | $106 |
| Allstate | $118 |
| GEICO | $132 |
| American Family | $136 |
| Progressive | $159 |
| Nationwide | $165 |
| Travelers | $173 |
| Farmers | $208 |
| Liberty Mutual | $262 |
Company | Average Monthly Premium |
|---|---|
| USAA | $87 |
| State Farm | $104 |
| Allstate | $115 |
| GEICO | $128 |
| American Family | $133 |
| Progressive | $155 |
| Nationwide | $160 |
| Travelers | $169 |
| Farmers | $203 |
| Liberty Mutual | $256 |
Company | Average Monthly Premium |
|---|---|
| USAA | $85 |
| State Farm | $102 |
| Allstate | $113 |
| GEICO | $126 |
| American Family | $131 |
| Progressive | $152 |
| Nationwide | $158 |
| Travelers | $166 |
| Farmers | $199 |
| Liberty Mutual | $251 |
Where you live plays a major role in determining your car insurance rates. State insurance requirements, local accident rates, weather patterns, theft statistics, and even medical costs all factor into pricing.[1]
The map below shows average monthly Nissan 370Z insurance costs across the U.S., according to Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $159 |
| Alaska | $156 |
| Arizona | $193 |
| Arkansas | $198 |
| California | $248 |
| Colorado | $242 |
| Connecticut | $317 |
| Delaware | $289 |
| Florida | $251 |
| Georgia | $304 |
| Hawaii | $159 |
| Idaho | $124 |
| Illinois | $182 |
| Indiana | $157 |
| Iowa | $124 |
| Kansas | $178 |
| Kentucky | $227 |
| Louisiana | $239 |
| Maine | $178 |
| Maryland | $345 |
| Massachusetts | $176 |
| Michigan | $259 |
| Minnesota | $200 |
| Mississippi | $167 |
| Missouri | $212 |
| Montana | $173 |
| Nebraska | $170 |
| Nevada | $293 |
| New Hampshire | $104 |
| New Jersey | $305 |
| New Mexico | $168 |
| New York | $226 |
| North Carolina | $107 |
| North Dakota | $142 |
| Ohio | $145 |
| Oklahoma | $206 |
| Oregon | $172 |
| Pennsylvania | $190 |
| Rhode Island | $266 |
| South Carolina | $284 |
| South Dakota | $167 |
| Tennessee | $162 |
| Texas | $261 |
| Utah | $176 |
| Vermont | $178 |
| Virginia | $217 |
| Washington | $201 |
| Washington D.C. | $377 |
| West Virginia | $181 |
| Wisconsin | $139 |
| Wyoming | $123 |
State | Average Monthly Premium |
|---|---|
| California | $248 |
Your age significantly affects your car insurance costs because insurers use decades of data that show how different age groups drive when determining rates. Younger drivers — especially teens — pay significantly more due to their lack of experience and higher accident rates. Rates typically drop throughout your 20s and 30s, and continue to decline as you age.
Even though age is an important factor, it’s still possible to get affordable rates no matter your age. The table below shows average monthly premiums by age group for Nissan 370Z insurance, according to Compare.com data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $337 |
| Adults | $166 |
| Seniors | $148 |
Teens and young drivers pay the highest Nissan 370Z insurance rates due to their inexperience and higher chances of car accidents. In fact, car accidents are a leading cause of death for U.S. teens ages 16–19.[2] Insurance companies account for this risk by charging significantly higher premiums.
Comparing car insurance quotes can help young 370Z owners find better rates, as some insurers place less emphasis on age than others. The chart below shows the cheapest options for young drivers, based on Compare.com data.
Senior drivers typically enjoy lower Nissan 370Z insurance rates thanks to their extensive driving experience and historically safer driving patterns. Drivers older than 55 have lower crash rates per licensed driver compared to younger age groups.
Many insurance companies also offer senior discounts, which can reduce rates even further.[3] The chart below highlights the most affordable options for senior Nissan 370Z owners, according to Compare.com data.
Your driving history is one of the most influential factors in determining your insurance premiums. Insurance companies view tickets, accidents, and driving under the influence (DUI) convictions as indicators of future risk, which translates to higher rates.
Our data shows that a speeding ticket can raise your premiums by nearly 34%, while 370Z drivers with a DUI can expect to pay 61% more compared to someone with a clean record.
A single violation can increase your costs for three to five years.[4] The table below shows how different driver profiles affect Nissan 370Z insurance costs, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $175 |
| Speeding ticket | $234 |
| At-fault accident | $250 |
| DUI | $281 |
A speeding ticket tells insurance companies you’re a higher-risk driver, which usually means higher premiums. How much your rate goes up depends on the offense. Going a few miles over the limit typically hurts less than a serious speeding charge, for example.
Since insurers don’t all treat tickets the same way, shopping around after a violation can help you find a company that’s more forgiving. Check out the chart below to see the lowest rates for Nissan 370Z drivers with a speeding ticket, according to Compare.com data.
An at-fault accident almost always leads to higher insurance rates because it shows insurers you’ve already filed a claim and may be more likely to file another. Most companies raise premiums after you’re involved in an at-fault accident, and those increases generally stick around for three years.[5]
That said, not all insurers weigh accidents the same. Some are more forgiving than others, which is why shopping around after an accident can make a real difference. The chart below highlights the most affordable insurance options for Nissan 370Z drivers with an at-fault accident, based on our research.
A DUI is one of the most serious violations, and it almost always leads to the biggest jump in insurance costs. Drunk driving accounts for about 30% of all traffic fatalities in the U.S., which is why insurers see it as a major risk.[6]
After a DUI, insurers typically label you a high-risk driver, but some insurers specialize in these situations and offer relatively manageable rates. The chart below highlights the most affordable insurers for 370Z drivers with a DUI on their record, according to our data.
Several vehicle-specific factors help explain why Nissan 370Z insurance tends to be higher than average. Insurers weigh both cost and risk when pricing coverage. Here are a few things to consider:
Vehicle value: Even as a discontinued model, the Nissan 370Z still holds relatively strong resale value for a sports car. Higher vehicle values mean higher potential claim payouts, translating to higher premiums.
High-performance design: With a powerful V-6 engine and sporty handling, the 370Z is considered a performance vehicle, which insurers associate with higher accident risk.
Repair costs: Performance parts and specialized labor can increase the cost of repairs compared to standard coupes.
Get personalized rates from 100+ top insurers.
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The Nissan 370Z’s sporty design can push insurance costs higher, but you still have ways to keep premiums in check.
Compare quotes often. Insurers price vehicles differently, so shopping around for quotes can uncover big savings.
Raise your deductible. Opting for a higher comprehensive and collision deductible can noticeably lower your monthly bill, as long as you can cover it if you file a claim.
Adjust coverage for older models. If your 370Z has depreciated significantly, full coverage may no longer be necessary.[7]
Maintain a clean driving record. When it comes to insurance premiums, safe driving almost always pays off.
Below, we answer the most common questions drivers have about Nissan 370Z insurance, from average costs to finding the cheapest coverage options.
Yes, the Nissan 370Z is moderately expensive to insure, with an average monthly cost of $175, which is about 5% higher than the national average, according to our data. As a sports car with a powerful engine, the 370Z costs more to insure than standard vehicles.
Our research shows that USAA offers the cheapest Nissan 370Z insurance, at $87 per month. That said, coverage from USAA is only available with a military affiliation. For other drivers, State Farm offers the best rates, at $104 per month, followed by Allstate, at $115.
Compare.com data. As the final model year before Nissan discontinued the 370Z, the 2020 370Z has slightly higher rates than older models due to greater value.
The cheapest Nissan to insure is the Nissan Rogue, costing an average of $114 per month for basic liability insurance and $188 per month for full coverage, according to Compare.com data.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Ben Luthi is a Utah-based insurance writer for Compare.com. With more than a decade of experience covering various insurance and personal finance topics, Ben is passionate about helping people make smart decisions with their money. His work has appeared on a variety of well-known personal finance websites, including the Wall Street Journal, Fortune, Credit Karma, Yahoo! Finance, Experian, NerdWallet, Insurify, and many more.
Ben has been writing for Compare.com since 2025.
Sara Getman is an insurance editor for Compare.com. With several years of insurance experience, Sara is passionate about helping readers better manage their money by breaking down complex topics into simple, clear, and easy-to-understand language.
Sara earned a Bachelor of Arts in Literature from Simmons University, where she served as editor-in-chief for the school’s literary and art magazine, Sidelines. She has been editing for Compare.com since 2025.
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