Nissan 350Z insurance costs average $82 monthly for minimum coverage and $158 per month for full coverage. Depending on your particular trim and model year, costs can range from $57 to $190 monthly.
Nissan 350Z Insurance Cost
Updated: November 15, 2025
Key Takeaways
Insurance costs for the Nissan 350Z vary widely, ranging from $57 to $190 monthly based on specific trim levels and model years.
The 350Z ranks 223rd out of 827 vehicle models for insurance affordability in our nationwide analysis of the U.S. auto market.
GEICO offers the most affordable full coverage for Nissan 350Z owners at $125 monthly, while minimum coverage starts at $58.
How Much Is Nissan 350Z Insurance?
| Nissan 350z | $82 | $158 |
Nissan 350Z Insurance Cost by Model Year
Your insurance rates depend on your vehicle's model year and available trims, with newer models costing more due to higher fair value. Monthly costs for Nissan 350Z insurance range from $68 for older models to $175 for newer years.
| 2009 | $91 | $175 |
| 2008 | $88 | $169 |
| 2007 | $81 | $156 |
| 2006 | $68 | $130 |
| 2005 | $86 | $166 |
| 2004 | $84 | $162 |
| 2003 | $84 | $162 |
Nissan 350Z Insurance Cost by Trim
Your Nissan 350Z trim affects insurance rates based on features, rarity, desirability and market value. Special editions like the 35th Anniversary and performance trims like Nismo cost more to insure than base models. Monthly premiums range from $73 to $190 depending on your specific trim level.
| Touring Roadster 2d | $73 | $140 |
| Coupe 2d | $80 | $155 |
| Touring Coupe 2d | $81 | $156 |
| Enthusiast Roadster 2d | $81 | $157 |
| Track Coupe 2d | $82 | $159 |
| Grand Touring Roadster 2d | $83 | $159 |
| Enthusiast Coupe 2d | $84 | $162 |
| Grand Touring Coupe 2d | $86 | $165 |
| Nismo Coupe 2d | $87 | $168 |
| Performance Coupe 2d | $92 | $177 |
| 35th Anniversary Coupe 2d | $98 | $190 |
Nissan 350Z Insurance Cost by Company
Nissan 350Z insurance costs vary by provider from $92 to $171 monthly. Minimum coverage ranges from $58 to $134, while full coverage costs $125 to $240. Rates vary due to different risk assessment models.
| GEICO | $58 | $125 |
| Kemper | $66 | $134 |
| Travelers | $72 | $132 |
| State Farm | $76 | $158 |
| The Hartford | $81 | $138 |
| Nationwide | $88 | $152 |
| AAA | $90 | $185 |
| Progressive | $90 | $168 |
| Chubb | $99 | $193 |
| AIG | $101 | $240 |
| Amica | $103 | $211 |
| Allstate | $109 | $209 |
| Farmers | $120 | $209 |
| UAIC | $134 | $165 |
Nissan 350Z Insurance Cost by State
Nissan 350Z insurance costs vary by location, ranging from $32 monthly in Wyoming to $344 in Louisiana.
| Alabama | $74 | $136 |
| Alaska | $60 | $128 |
| Arizona | $91 | $169 |
| Arkansas | $57 | $127 |
| California | $76 | $154 |
| Colorado | $74 | $178 |
| Connecticut | $116 | $198 |
| Delaware | $116 | $194 |
| Florida | $106 | $241 |
| Georgia | $128 | $207 |
| Hawaii | $44 | $98 |
| Idaho | $43 | $87 |
| Illinois | $71 | $132 |
| Indiana | $50 | $97 |
| Iowa | $41 | $99 |
| Kansas | $55 | $126 |
| Kentucky | $100 | $169 |
| Louisiana | $162 | $344 |
| Maine | $40 | $83 |
| Maryland | $123 | $206 |
| Massachusetts | $85 | $178 |
| Michigan | $119 | $228 |
| Minnesota | $65 | $135 |
| Mississippi | $74 | $144 |
| Missouri | $90 | $176 |
| Montana | $55 | $130 |
| Nebraska | $59 | $134 |
| Nevada | $140 | $255 |
| New Hampshire | $54 | $95 |
| New Jersey | $132 | $217 |
| New Mexico | $65 | $143 |
| New York | $97 | $175 |
| North Carolina | $61 | $120 |
| North Dakota | $46 | $99 |
| Ohio | $58 | $112 |
| Oklahoma | $69 | $152 |
| Oregon | $95 | $165 |
| Pennsylvania | $69 | $160 |
| Rhode Island | $100 | $178 |
| South Carolina | $77 | $144 |
| South Dakota | $41 | $128 |
| Tennessee | $62 | $125 |
| Texas | $99 | $202 |
| Utah | $83 | $141 |
| Vermont | $35 | $83 |
| Virginia | $76 | $122 |
| Washington | $71 | $132 |
| West Virginia | $72 | $145 |
| Wisconsin | $49 | $107 |
| Wyoming | $32 | $98 |
Nissan 350Z Insurance Cost by Driver Profile
Your driving profile, especially age and driving record, heavily impacts Nissan 350Z insurance costs. Monthly premiums can reach $306 for young drivers under 25 without violations, while adult drivers between 26-64 with clean records pay as little as $82 monthly.
| Adult Drivers | $82 | $158 |
| Young Drivers | $211 | $402 |
| Senior Drivers | $109 | $200 |
| Drivers With a Speeding Ticket | $103 | $199 |
| Drivers With an Accident | $121 | $232 |
| Drivers With a DUI | $151 | $287 |
| Drivers With Bad Credit | $195 | $392 |
Is a Nissan 350Z Expensive to Insure?
Compared to the rest of the models on the U.S. market, a Nissan 350Z ranks 223rd out of 827, making it one of the more affordable cars to insure. Among sports cars, the model ranks around the middle out of 59.
| Mazda MX-5 Miata | $71 | $137 |
| Saturn Sky | $74 | $143 |
| Honda S2000 | $74 | $144 |
| Pontiac Firebird | $76 | $146 |
| Toyota Celica | $76 | $146 |
| Mazda RX-8 | $78 | $150 |
| Ford Thunderbird | $79 | $154 |
| Nissan 350Z | $82 | $158 |
| Pontiac Solstice | $82 | $159 |
| Chrysler Crossfire | $83 | $161 |
| Bmw Z3 | $85 | $165 |
| Porsche Boxster | $85 | $165 |
| Alfa Romeo 4C | $88 | $172 |
| Ford Mustang | $88 | $171 |
| Chevrolet SS | $91 | $177 |
| Scion FR-S | $94 | $181 |
| Cadillac XLR | $96 | $186 |
| Porsche Cayman | $96 | $186 |
| Chevrolet Camaro | $97 | $189 |
| Bmw Z4 | $98 | $190 |
| Fisker Karma | $98 | $190 |
| Nissan 370Z | $99 | $191 |
| Mercedes SLC | $102 | $199 |
| Toyota 86 | $103 | $199 |
| Toyota Supra | $104 | $203 |
| Chevrolet Corvette | $104 | $202 |
| Tesla Roadster | $107 | $208 |
| Mercedes SLK-Class | $111 | $214 |
| Subaru BRZ | $112 | $215 |
| Jaguar F-Type | $111 | $218 |
| Toyota GR86 | $112 | $217 |
| Bmw Z4 M | $113 | $222 |
| Bmw M6 | $117 | $230 |
| Mercedes SL | $119 | $233 |
| Karma Revero | $120 | $235 |
| Lexus LC | $120 | $235 |
| Bmw M2 | $124 | $242 |
| Dodge Viper | $130 | $253 |
| Nissan GT-R | $132 | $258 |
| Acura NSX | $132 | $259 |
| Mercedes CLE | $133 | $261 |
| Nissan Z | $136 | $267 |
| Bentley Continental | $136 | $268 |
| Porsche 718 | $138 | $271 |
| Dodge Charger | $141 | $272 |
| Audi R8 | $143 | $280 |
| Porsche Panamera | $146 | $287 |
| Bmw M4 | $150 | $294 |
| Porsche 911 | $151 | $297 |
| Bmw 8-series | $155 | $306 |
| Mercedes SLS-Class | $158 | $314 |
| Maserati Gran Turismo | $161 | $318 |
| Bmw i8 | $169 | $335 |
| Fiat 124 Spider | $182 | $353 |
| Dodge Challenger | $191 | $371 |
| Porsche Taycan | $231 | $454 |
| Karma Gysera | $284 | $556 |
| Karma Invictus | $300 | $588 |
| Karma Kaveya | $486 | $954 |
Factors That Affect Nissan Car Insurance Costs
Several key factors influence what you'll pay for Nissan 350Z insurance:
- Age (average 35 years): The more mature enthusiast demographic typically receives better insurance rates than younger sports car buyers.
- Gender (90% male): Male-dominated ownership aligns with higher-risk statistical profiles for sports cars.
- Education (70% college-educated): Higher education levels often correlate with better credit scores and lower insurance risk.
- Usage patterns: Many owners use 350Zs as secondary vehicles or weekend cars, potentially reducing mileage-based risk factors.
Average Repair or Replacement Costs
Nissan ranks ninth in repair affordability among 59 U.S. automakers with median annual costs of $687. Nissan 350Z repair costs average $898 annually, making it one of Nissan's most expensive models to repair while still contributing to higher insurance premiums.
Vehicle Trim, Features and Accessories
The 350Z was produced from 2003 to 2009 with five main trim levels: Base, Enthusiast, Performance, Touring, and Track. All trims shared the same 3.5-liter VQ35DE V6 engine producing 287 horsepower (300 HP in 2005+ Track/35th Anniversary, 306 HP in 2007-2009 HR models).
Higher trims featured premium components like Brembo brakes, Rays forged wheels, leather seats, and Bose audio systems that increase replacement costs. The Track and NISMO editions included performance-oriented modifications, carbon fiber components and sport-tuned suspensions that increase premiums due to higher repair costs and increased theft risk.
Fuel Type
The 350Z requires premium unleaded gasoline (91+ octane) for optimal performance, increasing operating costs compared to regular fuel vehicles. Real-world fuel economy ranges from 17 to 20 city/24 to 26 highway MPG, requiring frequent fill-ups that cost $60 to $80 per tank.
The sports car's rear-wheel-drive configuration and performance-oriented drivetrain consume fuel rapidly. When calculating rates, insurance companies factor in higher operating costs and vehicles requiring premium fuel.
Location
All 350Z models sold in North America were manufactured in Japan (Oppama and later Tochigi plants) and imported, which can affect parts availability and repair costs in certain regions. The 350Z's sports car classification results in higher theft rates and more expensive claims, particularly in urban areas with higher crime rates.
Insurance costs vary by location, with metropolitan areas seeing elevated premiums due to increased accident frequency and theft risk. Rural areas with fewer specialized repair facilities may also experience higher costs due to limited service options.
Driver Profile
Original Nissan marketing research projected 350Z buyers would be 90% male, 70% college-educated, with an average age of 35 years. Current forum data suggests many owners purchased their 350Z as enthusiast vehicles, often as weekend toys or project cars rather than daily drivers..
How to Lower the Cost of Nissan 350Z Insurance
Here's how to find the most affordable Nissan 350Z car insurance:
- 1Choose the right coverage
How much coverage you should buy for your Nissan depends on its value, how often you drive it and what your budget can realistically take on. You can keep costs low with minimum liability and a $1,000 deductible or move up to 100/300/100 with a $500 deductible, and lenders may require gap insurance if you are financing or leasing.
- 2Research costs and cheap companies
Researching average auto insurance costs for your car will let you know how much you're saving currently and with another provider. Then you can look for the cheapest car insurance companies.
- 3Look for more than just low rates
To get the most balanced car insurance for your Nissan 350Z, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles.
Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4Explore discounts you qualify for
Nissan 350Z owners can bring their insurance costs down by stacking discounts tied to multiple vehicles, bundled policies, education-based perks, defensive driving courses and low annual mileage. Because many 350Z drivers keep the car as a weekend ride, have steady incomes and often pursue performance or safety training, they tend to qualify for several of these savings opportunities at once.
- 5Consider alternative car insurance types
Nissan 350Z owners should consider usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6Check rates every year
Comparing car insurance quotes from multiple sources can cut your Nissan 350Z insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Nissan 350Z Insurance Cost: Bottom Line
Insuring a Nissan 350Z costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Nissan 350Z Insurance Rates: FAQ
Here are answers to common questions about insuring a Nissan 350Z.
What is the average cost of car insurance for a Nissan 350Z?
The Nissan 350Z's average annual insurance cost is $987 for state minimum and $1901 for full coverage.
What company has the cheapest car insurance for a Nissan 350Z?
When shopping for 350Z car insurance, GEICO offers the most affordable full coverage with average monthly premiums of $125. The insurer also leads in minimum coverage affordability, charging drivers just $58 monthly for basic protection.
Are Nissan 350Zs expensive to insure?
No, Nissan 350Z insurance costs less than most cars. Out of 827 vehicles we track, the 350Z ranks 223rd for affordability.
What factors affect insurance costs for Nissan 350Zs?
Several things drive up your Nissan 350Z rates. Repairs cost more because of specialized parts and the aluminum body. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too. Areas with more theft or weather risks will cost more.
How can I lower Nissan 350Z insurance costs?
Shop around with multiple insurers as rates vary for Nissans, and consider usage-based insurance programs that track your driving habits. Take advantage of Nissan's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Nissan 350Z Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you the most accurate Nissan 350Z insurance costs.
Who We Based These Rates On
These Nissan 350Z prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions:
- Minimum Coverage: State-required liability limits
- Full Coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.