Cheap Nissan 370Z Car Insurance in 2025 (Earn Savings With These 10 Companies)

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

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.

Ready to find affordable car insurance? Use our free comparison tool above to get started.

#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.

#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.

#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.

#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

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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— State Farm (@StateFarm) May 18, 2024

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.

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.

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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— State Farm (@StateFarm) February 12, 2024

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.