The 2 extra seats are what puts it in a different bracket. A car can only be considered "sports" if it has at most 2 seats. Thus why the G is considered a coupe, which is cheaper.

 

I understand the brackets and classifications, but the actuarial tables tell the biggest part of the story. The folks buying Z's are not the folks buying G's.

 

My G35 was cheaper to cover than my CL Type S (yes, same policy/coverage). In my area, the G35 was cheaper than the Z.

My G costs me $75/month for full coverage w/$250 deductible in Indiana (but I also have a multi car discount too).