Cheap Nissan 370Z Car Insurance in 2024 (Earn Savings With These 10 Companies)
Discover the top cheap Nissan 370Z car insurance providers with State Farm, USAA, and Progressive leading the pack starting at $82 a month. These providers offer top rates and comprehensive coverage, making them the ideal choice for Nissan 370Z owners seeking value, reliability, and extensive protection.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
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UPDATED: Oct 14, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Oct 14, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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The top picks for cheap Nissan 370Z car insurance are State Farm, USAA, and Progressive, known for their competitive rates and robust coverage options.
These providers stand out by offering tailored policies that cater specifically to the needs of sports car enthusiasts. To learn more, explore our comprehensive resource on “Cheapest Car Insurance Companies.”
Our Top 10 Company Picks: Cheap Nissan 370Z Car Insurance
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $82 B Local Agents State Farm
#2 $85 A++ Exceptional Service USAA
#3 $89 A+ Usage-Based Discounts Progressive
#4 $93 A+ Comprehensive Coverage Allstate
#5 $98 A Affinity Discounts Farmers
#6 $103 A+ Vanishing Deductible Nationwide
#7 $108 A New Car Replacement Liberty Mutual
#8 $114 A Membership Discounts AAA
#9 $120 A Loyalty Discounts American Family
#10 $126 A+ Rate Lock Erie
The cost of insuring your Nissan 370Z can vary widely based on your location, driving history, and chosen coverage levels. This guide will help you navigate through the process of finding the best insurance option for your 370Z, ensuring both affordability and comprehensive protection.
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- State Farm leads as the top pick for cheap Nissan 370Z car insurance
- Nissan 370Z owners need coverage that addresses high repair costs
- Insurance options consider the 370Z’s sports car status and risk factors
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#1 – State Farm: Top Overall Pick
Pros
- Competitive Rates: State Farm offers the cheapest rate for Nissan 370Z car insurance at $82 monthly. Unlock details in our State Farm insurance review & ratings.
- High Customer Satisfaction: Known for excellent customer service facilitated by a broad network of local agents.
- Flexible Coverage Options: Diverse policies available, which can be customized to include coverage specific to the needs of a Nissan 370Z owner.
Cons
- Higher Premiums for Certain Plans: Despite offering the lowest starting rate, some of State Farm’s comprehensive plans can still be relatively expensive.
- Limited Multi-Policy Discount: Compared to competitors, State Farm’s discounts for bundling multiple policies could be more competitive.
#2 – USAA: Best for Exceptional Service
Pros
- Superior A++ A.M. Best Rating: Indicates top-notch financial stability and claims-paying ability, reassuring Nissan 370Z owners.
- Competitive Pricing: Offers a very competitive rate of $85 monthly for Nissan 370Z car insurance. See more details in our guide titled, “USAA Insurance Review & Ratings.”
- Military and Family Benefits: Specializes in services for military members and their families, providing tailored benefits that could be useful for military personnel owning a Nissan 370Z.
Cons
- Availability Restrictions: USAA’s services are only available to military members, veterans, and their families, limiting accessibility for the general public.
- Less Local Presence: Fewer local agents compared to companies like State Farm, which might affect the personal touch in service delivery.
#3 – Progressive: Best for Usage-Based Discounts
Pros
- Innovative Discounts: Progressive offers usage-based discounts through their Snapshot program, which is ideal for Nissan 370Z drivers with safe driving habits.
- Strong Online Tools: Provides robust online tools and mobile apps for managing policies and claims, enhancing convenience for tech-savvy car owners.
- Good Financial Strength: With an A+ rating from A.M. Best, Progressive is a reliable choice for long-term insurance needs. Discover insights in our Progressive insurance review & ratings.
Cons
- Higher Rates for Some Drivers: Monthly rate starts at $89, which can increase significantly based on driving history and coverage options.
- Customer Service Variability: Some customers report variability in service quality, which might affect satisfaction for certain policyholders.
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#4 – Allstate: Best for Comprehensive Coverage
Pros
- Wide Range of Coverages: Allstate offers extensive options that include special coverages ideal for the Nissan 370Z, such as custom parts and sound system insurance.
- Innovative Tools and Resources: Provides useful online tools and resources for managing policies and filing claims efficiently. Learn more in our complete Allstate insurance review & ratings.
- Strong Financial Health: An A+ rating from A.M. Best ensures reliability in meeting claims, even for high-value sports cars like the Nissan 370Z.
Cons
- Higher Starting Rates: With a starting monthly rate of $93, Allstate’s premiums are on the higher side compared to other top picks.
- Variable Discounts: While Allstate offers multiple discount opportunities, the savings can vary greatly depending on the state and individual circumstances.
#5 – Farmers: Best for Affinity Discounts
Pros
- Affinity Discounts: Offers discounts for members of certain professions or associations, which could benefit Nissan 370Z owners who qualify.
- Customizable Policies: Farmers allows customers to tailor their policies with options that cater specifically to sports cars like the Nissan 370Z.
- Effective Claims Service: Known for a straightforward claims process, ensuring timely support and resolution. Read up on Farmers insurance review & ratings for more information.
Cons
- Higher Premiums: Starting at $98 per month, Farmers’ rates are higher, which might not be the most economical choice for some Nissan 370Z owners.
- Limited Availability: Certain coverage options and discounts may not be available in all states, limiting options for some drivers.
#6 – Nationwide: Best for Vanishing Deductible
Pros
- Vanishing Deductible: Nationwide rewards safe driving by reducing the deductible for each year of accident-free driving, beneficial for Nissan 370Z drivers.
- Broad Coverage Options: Offers a variety of coverages that can be particularly useful for a sports car, including accident forgiveness.
- Strong Support Network: Nationwide’s large agent network ensures personalized customer service and local support. Access comprehensive insights in our Nationwide insurance review & ratings.
Cons
- Starting Rate on Higher End: With a starting rate of $103 monthly, Nationwide may not be the most cost-effective option for budget-conscious drivers.
- Policy Limitations: Some desired features and benefits may not be available in every state, which could restrict coverage choices for some owners.
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#7 – Liberty Mutual: Best for New Car Replacement
Pros
- New Car Replacement: Offers new car replacement for vehicles less than a year old, which is ideal for recent buyers of new Nissan 370Z models.
- Customized Discounts: Offers a range of discounts that can significantly reduce premiums for eligible customers. Discover more about offerings in our Liberty Mutual insurance review & ratings.
- Extensive Coverage Options: Provides a variety of coverage enhancements, like better car replacement and deductible fund.
Cons
- Higher Rate: Monthly premiums start at $108, making it one of the more expensive options for insuring a Nissan 370Z.
- Inconsistent Customer Feedback: Some customers report variability in satisfaction with claims and customer service experiences.
#8 – AAA: Best for Membership Discounts
Pros
- Membership Perks: AAA offers extensive benefits and discounts to its members, which include travel discounts and premium reductions on car insurance.
- Comprehensive Policy Benefits: Beyond standard coverage, AAA provides additional benefits tailored to the needs of car owners, enhancing the value for Nissan 370Z owners.
- Strong Brand Recognition: Known for roadside assistance, AAA’s reputation adds an extra layer of trust in its insurance services. Discover insights in our guide titled, “AAA Insurance Review & Ratings.”
Cons
- Membership Requirement: Insurance from AAA requires a membership, which involves an additional cost.
- Rate Variability: While starting at $114 monthly, rates can fluctuate based on numerous factors including driving history and regional statistics.
#9 – American Family: Best for Loyalty Discounts
Pros
- Loyalty Discounts: American Family rewards long-term customers with significant discounts, which can benefit Nissan 370Z owners who stick with the provider.
- Customizable Coverage Options: Offers a range of coverage enhancements that can be tailored specifically for sports cars like the Nissan 370Z, including gap insurance.
- Excellent Customer Support: Known for its strong customer service, providing personalized attention and support. See more details in our guide titled, “American Family Insurance Review & Ratings.”
Cons
- Higher Base Rates: Starting at $120 monthly, American Family’s rates are among the higher ones for Nissan 370Z insurance.
- Limited Geographic Availability: American Family’s insurance products are not available in all states, which could be a drawback for some potential customers.
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#10 – Erie: Best for Rate Lock
Pros
- Rate Lock Feature: Erie offers a rate lock option that prevents your insurance rates from increasing over time, which is advantageous for Nissan 370Z owners seeking stable long-term costs.
- Exceptional Claims Service: Known for its quick and efficient claims process, ensuring minimal hassle for policyholders. Learn more in our complete Erie insurance review & ratings.
- Comprehensive Coverage Inclusions: Erie includes several valuable coverages as standard, which are often optional with other insurers.
Cons
- Availability Limited to Certain States: Erie’s coverage is not available nationwide, limiting access for many potential customers.
- Starting Rates Higher than Some Competitors: With rates beginning at $126 per month, Erie may not be the most cost-effective option for those on a stricter budget.
Nissan 370Z Insurance Costs: A Detailed Look
When considering insurance for a Nissan 370Z, it’s essential to examine the differences in monthly premiums across various insurance providers for both minimum and full coverage options. This comparison helps in determining the most cost-effective and comprehensive insurance solutions.
Nissan 370Z Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
AAA $114 $213
Allstate $93 $178
American Family $120 $222
Erie $126 $231
Farmers $98 $187
Liberty Mutual $108 $204
Nationwide $103 $195
Progressive $89 $170
State Farm $82 $155
USAA $85 $162
The table below presents a detailed comparison of monthly car insurance rates for a Nissan 370Z, sorted by insurance company and differentiated between minimum and full coverage plans. See more details in our guide titled, “How much is car insurance?“
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For instance, State Farm offers the most affordable minimum coverage at $82 and also leads in full coverage with a rate of $155 per month. On the higher end, Erie provides minimum coverage at $126 and the most expensive full coverage at $231.
This range highlights significant differences in how insurers evaluate the costs associated with insuring a Nissan 370Z, allowing potential buyers to identify both budget-friendly options and more comprehensive plans that cater to their specific needs and financial situations.
Factors That Impact the Cost of Nissan 370Z Car Insurance
When determining the cost of car insurance for your Nissan 370Z, several factors come into play. These factors include your age, driving record, location, credit score, and the level of coverage you choose. Younger drivers usually face higher insurance premiums due to their relative lack of experience on the road.
Additionally, a clean driving record and a good credit score can help lower your insurance costs. The location where you live also plays a role, as areas with higher accident rates or higher crime rates tend to have higher insurance premiums. Finally, the coverage options you select, such as liability-only coverage or comprehensive coverage, will also affect your insurance rates.
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Another factor that can impact the cost of car insurance for your Nissan 370Z is the type of vehicle you own. Insurance companies take into consideration the make, model, and year of your car when determining your premiums. Sports cars like the Nissan 370Z are often associated with higher insurance rates due to their higher risk of accidents and theft.
Furthermore, your annual mileage can also affect your car insurance costs. Insurance companies may ask for an estimate of how many miles you drive each year. The more you drive, the higher the risk of being involved in an accident, which can result in higher insurance premiums. On the other hand, if you drive fewer miles, you may be eligible for a low-mileage discount.
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Understanding the Insurance Coverage Options for Nissan 370Z
When it comes to insuring your Nissan 370Z, there are several coverage options to consider. The most basic type of coverage is liability insurance, which is required by law in most states. Liability insurance covers the cost of damages to other people’s property and medical expenses for injuries sustained in an accident where you are at fault.
However, keep in mind that liability insurance will not cover the cost of repairing or replacing your own vehicle. To protect your investment in your Nissan 370Z, you may want to consider comprehensive coverage, which covers damages caused by factors other than accidents, such as theft, vandalism, or natural disasters.
Collision coverage is another option worth considering, as it covers the cost of repairing or replacing your vehicle in the event of an accident, regardless of fault. Another coverage option to consider for your Nissan 370Z is uninsured/underinsured motorist coverage.
This type of coverage protects you in the event that you are involved in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages. Uninsured/underinsured motorist coverage can help pay for medical expenses, lost wages, and other damages resulting from the accident.
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In addition to the coverage options mentioned above, you may also want to explore additional add-ons or endorsements that can enhance your insurance coverage for your Nissan 370Z.
For example, you might consider adding roadside assistance coverage, which can provide services such as towing, fuel delivery, and lockout assistance in case of emergencies. Another option to consider is gap insurance, which covers the difference between the actual cash value of your vehicle and the amount you owe on your loan or lease in the event of a total loss.
Tips for Finding Affordable Car Insurance for Your Nissan 370Z
While car insurance for a Nissan 370Z may be more expensive compared to other models, there are several ways to find affordable coverage. One tip is to shop around and compare quotes from different insurance providers. Each company may offer different rates based on their risk assessment criteria.
Additionally, consider bundling your car insurance with other policies, such as homeowner’s or renter’s insurance, as this can often lead to discounted rates. Taking advantage of available discounts, such as good student discounts or safe driver discounts, can also help lower your insurance premiums.
Finally, maintaining a good driving record and installing anti-theft devices in your Nissan 370Z can demonstrate to insurers that you are a responsible driver and may result in lower insurance rates. Another way to find affordable car insurance for your Nissan 370Z is to consider increasing your deductible.
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A higher deductible means you will have to pay more out of pocket in the event of an accident, but it can also lower your insurance premiums. However, it’s important to make sure you can afford the higher deductible before choosing this option. Access comprehensive insights into our guide titled, “What is Affordable coverage?”
It’s also worth exploring usage-based insurance programs. These programs use telematics devices or smartphone apps to track your driving habits, such as mileage, speed, and braking patterns. By demonstrating safe driving behavior, you may be eligible for discounts on your car insurance premiums. This can be particularly beneficial if you don’t drive your Nissan 370Z frequently or if you have a good driving record.
Protect your vehicle from whatever the road throws at it by entering your ZIP code into our free comparison tool below to see affordable car insurance quotes.
Frequently Asked Questions
What factors affect the cost of Nissan 370Z car insurance?
The cost of Nissan 370Z car insurance can be influenced by several factors, including the driver’s age, location, driving history, credit score, coverage options, deductible amount, and the insurance provider’s rates.
For additional details, explore our comprehensive resource titled “What age do you get cheap car insurance?“
Are Nissan 370Z sports cars more expensive to insure compared to other vehicles?
Generally, sports cars like the Nissan 370Z tend to have higher insurance premiums due to their higher performance capabilities and potential for increased risk. Insurance providers often consider factors such as the car’s horsepower, value, and the likelihood of theft or accidents when determining the premium.
Is it possible to get cheaper insurance for a Nissan 370Z?
Yes, there are several ways to potentially reduce the cost of insurance for a Nissan 370Z. These include maintaining a clean driving record, opting for higher deductibles, bundling car insurance with other policies, taking advantage of available discounts, and comparing quotes from multiple insurance providers to find the best rate.
Take the first step toward cheaper car insurance rates. Enter your ZIP code below to see how much you could save.
Does the cost of Nissan 370Z car insurance vary by location?
Yes, the cost of Nissan 370Z car insurance can vary based on the location of the insured driver. Factors such as population density, crime rates, and the frequency of accidents in a specific area can impact insurance rates. Urban areas or regions with higher rates of theft and accidents may have higher insurance premiums compared to rural areas.
How much does insurance cost on a 370Z?
Insuring a Nissan 370Z is moderately expensive, with a monthly average cost of approximately $133. State Farm offers the most affordable rates at about $109 per month. Rates may vary based on your age, provider, and model year.
To find out more, explore our guide titled, “Nissan Car Insurance Discount.”
Are 370Z expensive to maintain?
A Nissan 370Z will cost about $6,157 for maintenance and repairs during its first 10 years of service. This is lower than the industry average for popular coupe models by $1,266. There is also a 17.36% chance that a 370Z will require a major repair during that time, which is 4.14% better than similar vehicles in this category.
What age is insurance cheapest?
If you maintain a clean driving record, your insurance costs should continue to decrease throughout your 30s, 40s, and 50s. However, the lowest premiums are typically not available until you reach your late 60s.
Is Toyota cheaper than Nissan?
New Nissan and Toyota model prices are generally comparable. For example, the starting MSRP for a 2021 Nissan Sentra is $19,460, while the starting MSRP for a 2021 Toyota Corolla is $20,025. However, the pricing for used vehicles can differ significantly.
What is the most common problem with the 370Z?
Upon reaching 100,000 miles, some 370Z owners may hear a clicking sound from the rear. This noise is likely from the rear axle. Fortunately, this issue is not as severe as it might initially seem.
To learn more, explore our comprehensive resource on “Insurance Quotes Online.”
Is a 370Z a good car to buy?
The 370Z offers old-school fun with competitive performance, making it an attractive purchase. However, it comes with compromises compared to a less powerful Audi TT or Toyota GT86, which might be better choices for everyday use.
Do 370Z hold their value?
A Nissan 370Z will depreciate about 25% after 5 years and have a 5-year resale value of $36,548.
Is a 370Z a good first sports car?
The Nissan 370Z is not recommended as a first car due to its rear-wheel-drive drivetrain, which demands an experienced driver. Additionally, its limited seating, storage space, and low seating position make it more suitable for someone with more experience.
Why are 370Z so fast?
The 370Z’s impressive speed comes from its solid Nismo powertrain, featuring a naturally aspirated 3.7-liter V6 that delivers 350 horsepower and 276 lb-ft of torque. An optional cat-back exhaust can boost this to an additional 5 horsepower and 2.5 lb-ft. The engine pairs with either a six-speed manual or a seven-speed automatic transmission.
Learn more by reading our guide titled, “Does my car insurance cover damage caused by a transmission failure?“
What type of insurance should you choose?
Experts commonly recommend securing life, health, long-term disability, and auto insurance as essential coverages. If employer coverage is not available, it’s wise to obtain quotes from several providers, as many offer discounts for bundling multiple types of coverage.
What is the cheapest age to buy car insurance?
Car insurance prices typically decrease from the age of 25 to 60. Insurance costs are generally higher for younger individuals, with costs reducing as you enter each new decade of life.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
