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
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.
Nissan 350Z insurance runs $68 to $175 per month, depending on model year. Older 350Zs cost less to insure because their lower market values are cheaper to replace, a 2006 model averages $68 monthly for full coverage versus $175 for a 2009.
Full coverage ranges from $125 monthly with GEICO to $240 with AIG; minimum coverage runs $58 with GEICO to $134 with UAIC, a spread of more than $76. Each insurer prices the 350Z differently, so getting at least three quotes will show where you can save.
| 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 your Nissan 350Z insurance rate.
- Average Repair or Replacement Costs: The 350Z ranks as Nissan's 7th most expensive model to maintain, with average repair costs of $898 per year, lower than most performance vehicles.
- Vehicle Trim, Features and Accessories: Higher-performance trims carry higher premiums. The 350Z ranges from 287 to 350 horsepower depending on trim, and insurers price that power accordingly.
- Driver Profile: Most 350Z drivers are 25 to 40 years old, but the car's performance reputation can push rates up. Younger drivers tend to pay more.
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
Nissan 350Z insurance costs $73 to $190 per month, depending on trim. The Touring Roadster 2d starts at $73 for minimum coverage, while the 35th Anniversary Coupe 2d reaches $190 for full coverage. Performance specs, rarity and market value all push rates higher on upper trims.
| 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
Where you live affects your 350Z rate as much as the car itself. Minimum coverage runs $32 per month in Wyoming and $162 in Louisiana, a $130 gap driven by each state's risk profile and insurance regulations.
| 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
- 1Choose the right coverage
Decide how much coverage to buy for your 350Z. If you own it outright, state minimum liability plus comprehensive and collision with a $1,000 deductible keeps premiums down. For more protection, 100/300/100 liability with a $500 deductible is a solid step up. Financing or leasing requires 100/300/100 liability, comprehensive and collision at a $500 deductible and gap insurance.
- 2Research costs and cheap companies
Review average auto insurance costs for sports cars so you know what a fair rate looks like before you shop. From there, compare the cheapest car insurance companies for the 350Z in your area.
- 3Look for more than just low rates
Car insurance price isn't everything. Check J.D. Power satisfaction ratings, Better Business Bureau records and AM Best financial stability scores. Forum discussions about claims handling can also flag issues that ratings miss.
- 4Explore discounts you qualify for
Review car insurance discounts before you commit to a policy. 350Z owners commonly qualify for good driver, anti-theft, policy bundling and safety features discounts.
- 5Consider usage-based insurance
f you don't drive the 350Z daily, usage-based programs like Progressive Snapshot or Allstate Drivewise may cut your rate. Both track driving habits and adjust premiums based on actual behavior.
- 6Check rates every year
Your insurer won't tell you when a competitor drops its prices. Pull fresh car insurance quotes annually. Yearly comparisons can save up to 24% on your 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 (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He writes about economics and insurance on MoneyGeek so people can make coverage decisions with confidence. His insurance insights have been featured in The Washington Post, The New York Times and NPR, among other media outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!