About $1,460 a year for full coverage on a national average — within a few percent of the $1,438 average car. Insurers rate the Nissan 350Z at an index of 102 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2007-2009).
The premium isn't spread evenly across the Nissan 350Z: Comprehensive — theft, weather, vandalism, animals — carries its highest loss index at 136, while Property damage sits at 59. Those 77 points are the real reason behind the price, and they are the part a quote form never shows you. Against what the car is worth the bill looks different again: a 2007 350Z sells for a median $8,999, so a year of cover costs 16.2% of the car's value. Over 4 generations of data the index has fallen from 126 (2004-2006) to 102 (2007-2009). Calculated from 7 insurance-loss records and live US listing prices.
Why a 350Z costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $1,460: Liability (BI + PD) $701 · Collision $409 · Comprehensive $175 · Other (UM / PIP) $175.
How it changed by generation
Insurance-loss index of the 350Z across every generation in the data. Newer isn't automatically cheaper — driver-assist systems cut crash frequency, while sensors and aluminium panels push repair bills up:
Each point averages every recorded variant of that generation. The 350Z has become cheaper to insure over time (-24 points).
What a 350Z costs by state
Where you park matters as much as what you drive. The 350Z's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | 350Z est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by the Nissan 350Z's loss index of 102 — your own quote also depends on age, record, deductible and ZIP.
Nissan 350Z insurance — frequently asked
How much is insurance for a Nissan 350Z?
About $1,460 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 102 applied to the US average premium.
Why is the 350Z expensive or cheap to insure?
For the Nissan 350Z the costliest area is Comprehensive at an index of 136, covering theft, weather, vandalism, animals — against 59 for its cheapest. Insurers set premiums from claim history like that, not from the sticker price — which is why the Nissan 350Z lands at 102, not at what it costs new.
Is that a lot relative to the car's value?
A year of cover is 16.2% of what a 2007 350Z sells for — $1,460 against a median price of $8,999. Cheap cars often show a higher percentage even when the dollar premium is lower, and at 16.2% the 350Z sits on the expensive side of that trade.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same 350Z can differ by hundreds between two drivers.
How we work this out
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