Insurance premiums for a Nissan 350Z average $158 monthly for full coverage and $82 for minimum coverage. Your specific trim and model year affect costs, with monthly premiums ranging from $68 to $190.
Nissan 350Z Insurance Cost
Updated: January 29, 2026
Key Takeaways
GEICO offers the most affordable rates for Nissan 350Z owners, though full coverage insurance averages $158 monthly and varies based on your model year and chosen insurer. Read more
The 350Z ranks 8th out of 115 sports cars for insurance affordability, making it relatively affordable within its category. Sports cars generally cost more to insure due to higher performance and repair costs. Read more
Your 350Z's specific model year makes a big difference in insurance rates, especially if you're adding a teen driver to your policy. Read MoneyGeek's analysis of rates by company for specific 350Z model years, depending on the age of the drivers
How Much Is Nissan 350Z Insurance?
| Nissan 350z | $82 | $158 |
Looking for another Nissan model? Read more about the cost of Nissan car insurance models.
You'll pay anywhere from $68 monthly for older Nissan 350Zs to $175 for the newest models. Like most vehicles, your 350Z's age directly impacts insurance costs since newer cars have higher fair market values that cost more to replace.
Insurance costs for a Nissan 350Z depend on model year and company. Full coverage goes from $125 monthly with GEICO to $240 with AIG, while minimum coverage ranges from $58 with GEICO to $134 with UAIC.
Nissan 350Z owners should shop between insurers since minimum coverage varies by over $76 and full coverage by over $115. Each company calculates risk differently for the 350z, affecting your final quote.
| AAA | $90 | $185 |
| AIG | $101 | $240 |
| Allstate | $109 | $209 |
| Amica | $103 | $211 |
| Chubb | $99 | $193 |
| Farmers | $120 | $209 |
| Geico | $58 | $125 |
| Kemper | $66 | $134 |
| Nationwide | $88 | $152 |
| Progressive | $90 | $168 |
| State Farm | $76 | $158 |
| The Hartford | $81 | $138 |
| Travelers | $72 | $132 |
| UAIC | $134 | $165 |
Is Nissan 350Z Expensive to Insure?
MoneyGeek's analysis of sports car insurance costs shows the Nissan 350Z ranking 8th out of 115 vehicles for affordability. That means only 7 sports cars cost less to insure, positioning it just a few dollars per month pricier than a Ford Thunderbird and slightly cheaper than a Pontiac Solstice. This puts the 350Z in a pretty good spot among performance vehicles.
While that's solid for sports cars, the category itself drives up insurance costs. The 350Z ranks 223rd out of 827 total vehicles, placing it in the top quarter for affordability overall. The Mazda MX-5 Miata claims the cheapest sports car spot, while the Rolls-Royce La Rose Noire commands the highest premiums in the category.
| Toyota Celica | $111 | 5 |
| Mazda RX-8 | $114 | 6 |
| Ford Thunderbird | $116 | 7 |
| Nissan 350Z | $120 | 8 |
| Pontiac Solstice | $121 | 9 |
| Chrysler Crossfire | $122 | 10 |
| BMW Z3 | $125 | 11 |
Several factors affect what you'll pay for Nissan 350Z insurance:
- Average Repair or Replacement Costs: The 350Z ranks as Nissan's 7th most expensive model to maintain, with repair costs averaging $898 annually, making it relatively affordable compared to other performance vehicles.
- Vehicle Trim, Features and Accessories: Higher-performance trims cost more to insure due to increased horsepower output. The 350Z's performance capabilities range from 287 to 350 horsepower, depending on trim, directly impacting premium rates.
- Driver Profile: Most 350Z drivers fall between 25 and 40 years old, but the car's performance reputation attracts risk-taking behaviors that concern insurers. Read more about the costs of Nissan 350Zs for young drivers.
Nissan 350Z Costs by Model Year and Driver Age by Insurance Company
Newer Nissan 350Z models cost more to insure than older ones, though the difference isn't as dramatic as you might expect. A 35- to 55-year-old driver pays an average of $188 monthly for full coverage on a 2009 350Z compared to $174 for a 2003 model. Young drivers in their teens and early twenties face much steeper rates regardless of which model year they're insuring.
GEICO consistently offers the cheapest rates across all 350Z model years and could save you hundreds monthly compared to other insurers. Â
Cost of Car Insurance for 2009 Nissan 350Z
| Geico | $63 | $136 |
| National General | $69 | $141 |
| Kemper | $76 | $156 |
| State Farm | $77 | $160 |
| Travelers | $78 | $144 |
| The Hartford | $90 | $153 |
| AAA | $100 | $207 |
| Nationwide | $103 | $178 |
| Progressive | $105 | $197 |
| Chubb | $110 | $215 |
| Amica | $112 | $229 |
| AIG | $113 | $269 |
| Allstate | $116 | $223 |
| Farmers | $136 | $237 |
| UAIC | $143 | $177 |
2009 Nissan 350Z Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $598 | $526 | $466 | $402 | $355 | $302 | $274 | $245 | $224 | $197 |
| Geico | $775 | $565 | $474 | $344 | $296 | $239 | $220 | $182 | $172 | $156 |
| Nationwide | $807 | $741 | $682 | $579 | $488 | $317 | $294 | $274 | $259 | $232 |
| Travelers | $878 | $629 | $497 | $382 | $337 | $246 | $225 | $208 | $192 | $166 |
| Allstate | $1,077 | $844 | $676 | $495 | $444 | $347 | $314 | $296 | $279 | $247 |
| Progressive | $1,445 | $1,163 | $965 | $535 | $467 | $378 | $336 | $300 | $276 | $237 |
| Farmers | $1,465 | $1,092 | $973 | $609 | $576 | $441 | $391 | $375 | $356 | $298 |
Cost of Car Insurance for 2008 Nissan 350Z
| Geico | $61 | $132 |
| National General | $67 | $137 |
| Kemper | $74 | $151 |
| State Farm | $74 | $155 |
| Travelers | $76 | $139 |
| The Hartford | $87 | $148 |
| AAA | $97 | $200 |
| Nationwide | $100 | $172 |
| Progressive | $102 | $191 |
| Chubb | $106 | $209 |
| Amica | $109 | $222 |
| AIG | $109 | $261 |
| Allstate | $112 | $216 |
| Farmers | $132 | $230 |
| UAIC | $139 | $171 |
2008 Nissan 350Z Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $579 | $509 | $451 | $389 | $344 | $292 | $266 | $237 | $217 | $191 |
| Geico | $750 | $547 | $459 | $334 | $287 | $232 | $213 | $177 | $167 | $151 |
| Nationwide | $782 | $718 | $660 | $560 | $473 | $307 | $285 | $265 | $251 | $224 |
| Travelers | $850 | $609 | $481 | $370 | $327 | $238 | $218 | $201 | $186 | $160 |
| Allstate | $1,043 | $818 | $655 | $479 | $430 | $336 | $304 | $287 | $270 | $239 |
| Progressive | $1,400 | $1,127 | $934 | $519 | $452 | $366 | $326 | $291 | $267 | $229 |
| Farmers | $1,419 | $1,058 | $942 | $590 | $558 | $427 | $379 | $363 | $345 | $289 |
Cost of Car Insurance for 2007 Nissan 350Z
| Geico | $56 | $122 |
| National General | $62 | $126 |
| Kemper | $68 | $139 |
| State Farm | $69 | $142 |
| Travelers | $70 | $128 |
| The Hartford | $80 | $137 |
| AAA | $89 | $184 |
| Nationwide | $92 | $159 |
| Progressive | $94 | $176 |
| Chubb | $98 | $192 |
| Amica | $100 | $204 |
| AIG | $101 | $240 |
| Allstate | $103 | $199 |
| Farmers | $121 | $212 |
| UAIC | $128 | $158 |
2007 Nissan 350Z Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $533 | $469 | $415 | $359 | $317 | $269 | $245 | $219 | $200 | $176 |
| Geico | $691 | $504 | $423 | $307 | $264 | $214 | $197 | $163 | $154 | $140 |
| Nationwide | $720 | $661 | $608 | $516 | $436 | $283 | $262 | $244 | $231 | $207 |
| Travelers | $783 | $562 | $443 | $341 | $301 | $220 | $201 | $185 | $171 | $148 |
| Allstate | $961 | $753 | $603 | $442 | $396 | $309 | $280 | $264 | $249 | $220 |
| Progressive | $1,290 | $1,038 | $861 | $478 | $416 | $337 | $300 | $268 | $246 | $211 |
| Farmers | $1,307 | $975 | $868 | $544 | $514 | $393 | $349 | $334 | $318 | $266 |
Cost of Car Insurance for 2006 Nissan 350Z
| Geico | $47 | $101 |
| National General | $51 | $105 |
| Kemper | $57 | $116 |
| State Farm | $57 | $119 |
| Travelers | $58 | $107 |
| The Hartford | $67 | $114 |
| AAA | $74 | $154 |
| Nationwide | $77 | $132 |
| Progressive | $78 | $147 |
| Chubb | $81 | $160 |
| Amica | $83 | $170 |
| AIG | $84 | $200 |
| Allstate | $86 | $165 |
| Farmers | $101 | $176 |
| UAIC | $106 | $131 |
2006 Nissan 350Z Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $444 | $391 | $346 | $299 | $264 | $224 | $204 | $182 | $167 | $147 |
| Geico | $576 | $420 | $352 | $256 | $220 | $178 | $164 | $135 | $128 | $116 |
| Nationwide | $600 | $551 | $507 | $430 | $363 | $236 | $218 | $204 | $192 | $172 |
| Travelers | $652 | $468 | $369 | $284 | $251 | $183 | $167 | $154 | $143 | $123 |
| Allstate | $801 | $628 | $502 | $368 | $330 | $258 | $234 | $220 | $207 | $184 |
| Progressive | $1,075 | $865 | $717 | $398 | $347 | $281 | $250 | $223 | $205 | $176 |
| Farmers | $1,089 | $812 | $723 | $453 | $428 | $328 | $291 | $279 | $265 | $221 |
Cost of Car Insurance for 2005 Nissan 350Z
| Geico | $62 | $133 |
| Kemper | $65 | $132 |
| National General | $68 | $140 |
| Travelers | $77 | $141 |
| The Hartford | $84 | $144 |
| Nationwide | $85 | $147 |
| State Farm | $87 | $181 |
| Progressive | $88 | $163 |
| AAA | $93 | $191 |
| Chubb | $102 | $199 |
| AIG | $105 | $246 |
| Amica | $110 | $224 |
| Allstate | $119 | $228 |
| Farmers | $122 | $212 |
| UAIC | $146 | $180 |
2005 Nissan 350Z Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $668 | $612 | $563 | $478 | $404 | $262 | $243 | $227 | $214 | $192 |
| State Farm | $681 | $599 | $530 | $458 | $404 | $344 | $312 | $279 | $255 | $225 |
| Geico | $753 | $547 | $460 | $333 | $288 | $232 | $214 | $177 | $167 | $152 |
| Travelers | $842 | $606 | $478 | $368 | $324 | $240 | $219 | $202 | $187 | $162 |
| Allstate | $1,109 | $868 | $694 | $508 | $455 | $356 | $322 | $304 | $286 | $253 |
| Progressive | $1,187 | $953 | $790 | $440 | $384 | $311 | $277 | $247 | $228 | $195 |
| Farmers | $1,298 | $969 | $864 | $544 | $515 | $395 | $350 | $336 | $319 | $267 |
Cost of Car Insurance for 2004 Nissan 350Z
| Geico | $61 | $130 |
| Kemper | $63 | $129 |
| National General | $67 | $137 |
| Travelers | $75 | $138 |
| The Hartford | $83 | $141 |
| Nationwide | $83 | $144 |
| State Farm | $85 | $177 |
| Progressive | $86 | $159 |
| AAA | $90 | $187 |
| Chubb | $100 | $195 |
| AIG | $103 | $240 |
| Amica | $108 | $219 |
| Allstate | $116 | $223 |
| Farmers | $119 | $207 |
| UAIC | $143 | $176 |
2004 Nissan 350Z Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $654 | $598 | $551 | $467 | $395 | $256 | $238 | $222 | $209 | $187 |
| State Farm | $666 | $586 | $518 | $448 | $396 | $336 | $305 | $273 | $249 | $220 |
| Geico | $737 | $535 | $450 | $326 | $282 | $227 | $209 | $173 | $164 | $149 |
| Travelers | $824 | $592 | $467 | $360 | $317 | $235 | $214 | $198 | $182 | $158 |
| Allstate | $1,084 | $848 | $679 | $497 | $445 | $348 | $315 | $297 | $279 | $247 |
| Progressive | $1,161 | $933 | $773 | $430 | $375 | $305 | $271 | $242 | $223 | $191 |
| Farmers | $1,269 | $948 | $845 | $532 | $504 | $387 | $342 | $328 | $312 | $261 |
Cost of Car Insurance for 2003 Nissan 350Z
| Geico | $61 | $130 |
| Kemper | $63 | $129 |
| National General | $67 | $137 |
| Travelers | $75 | $138 |
| The Hartford | $83 | $141 |
| Nationwide | $83 | $144 |
| State Farm | $85 | $178 |
| Progressive | $86 | $159 |
| AAA | $91 | $187 |
| Chubb | $100 | $195 |
| AIG | $103 | $240 |
| Amica | $108 | $220 |
| Allstate | $116 | $223 |
| Farmers | $119 | $207 |
| UAIC | $143 | $176 |
2003 Nissan 350Z Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $654 | $598 | $551 | $468 | $395 | $256 | $238 | $222 | $209 | $187 |
| State Farm | $666 | $586 | $518 | $448 | $396 | $336 | $306 | $273 | $250 | $220 |
| Geico | $737 | $535 | $450 | $326 | $282 | $227 | $209 | $173 | $164 | $149 |
| Travelers | $824 | $593 | $467 | $360 | $317 | $235 | $214 | $198 | $182 | $158 |
| Allstate | $1,085 | $849 | $679 | $497 | $445 | $348 | $315 | $297 | $280 | $248 |
| Progressive | $1,161 | $933 | $773 | $430 | $376 | $305 | $271 | $242 | $223 | $191 |
| Farmers | $1,270 | $948 | $845 | $532 | $504 | $387 | $342 | $329 | $312 | $261 |
Nissan 350Z Insurance Cost by Trim
Insurance costs for your Nissan 350Z vary by trim, from $73 monthly for minimum coverage on Touring Roadster 2d models to $190 for full coverage on 35th Anniversary Coupe 2d variants. Performance features, rarity, and market value determine where each trim falls in this range.
| 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 State
Car insurance for a Nissan 350Z ranges from $32 monthly in Wyoming to $162 in Louisiana for minimum coverage, depending on where you're located. These dramatic differences reflect your state's risk characteristics and insurance regulations rather than anything about the vehicle itself.
| 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 |
How to Lower the Cost of Nissan 350Z Insurance
These proven strategies help you find better rates on your Nissan 350Z insurance:
- 1Choose the right coverage
You'll need to figure out how much coverage to buy for your Nissan 350Z. Own your sports car outright? Get state minimum liability plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by reviewing average auto insurance costs for sports cars. This helps with finding the cheapest car insurance companies offering competitive rates for your 350Z in areas like Silicon Valley or Miami's financial district.
- 3Look for more than just low rates
Finding quality car insurance means evaluating insurers beyond their quotes. Check J.D. Power satisfaction ratings, examine forum discussions about claims handling, review Better Business Bureau records and confirm AM Best financial stability.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your situation. Nissan 350Z owners often qualify for good driver discounts, anti-theft device savings, policy bundling reductions and safety features discounts. These savings can reduce your premiums, especially in competitive markets like Dallas or Phoenix business districts.
- 5Consider alternative car insurance types
Nissan 350Z owners might benefit from usage-based insurance programs like Progressive Snapshot or Allstate Drivewise. These options track safe driving habits and deliver premium reductions based on your actual driving behavior.
- 6Check rates every year
Obtain car insurance quotes from several companies annually. Your insurer doesn't notify you when competitors lower prices, so yearly comparisons could save up to 24% on your Nissan 350Z insurance.
Nissan 350Z Insurance Cost: Bottom Line
Nissan 350Z insurance costs less than average, but you can still find decent rates with some effort. Shop multiple companies, look into discounts and consider different coverage options to secure the best rate.
Nissan 350Z Insurance Rates: FAQ
What is the average cost of car insurance for a Nissan 350Z?
Insurance for a Nissan 350Z costs $987 annually for minimum coverage and $1,901 yearly for full coverage. These rates represent the average premiums drivers can expect when insuring this sports car.
What company has the cheapest car insurance for a Nissan 350Z?
GEICO provides the most affordable minimum coverage for a Nissan 350Z at $695 annually. The insurer also offers the best value for full coverage at $1,501 per year.
Are Nissan 350Zs expensive to insure?
No, Nissan 350Z insurance is not more expensive than most vehicles to insure. Among sports cars, this model ranks 8th out of 115 for affordability, while placing 223rd out of 827 total vehicles we track.
What factors affect insurance costs for Nissan 350Zs?
Multiple factors increase Nissan 350Z insurance costs. The high-performance engine raises accident risk, while the car's desirability among enthusiasts leads to higher theft rates. Expensive repairs for specialized parts also concern insurers. Your driving record, credit score, and coverage selection impact your final premium.
How can I lower Nissan 350Z insurance costs?
Compare quotes from several insurers since 350Z pricing differs between companies, and explore usage-based programs that monitor safe driving. Claim available discounts, bundle policies and keep your driving record clean to secure better rates.
How We Determined Nissan 350Z Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025 to determine 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. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.