Subaru BRZ Insurance Rates
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UPDATED: Dec 19, 2019
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Oftentimes, the thought of searching for the right policy on your vehicle can seem exhausting. We are here to simplify this process by walking you through how Subaru BRZ insurance costs are determined so you can find a cheap rate.
This comprehensive guide has everything you need to know, such as the size and class of this model, the BRZ’s safety features, its MSRP value, and repair estimates for the sports car.
Let’s dive into this information so you can be well educated on the type of insurance policy that is best for you. Once you’re ready, enter your ZIP code in the box above to start comparing quotes.
Average insurance rates for a Subaru BRZ are $1,218 a year for full coverage. Comprehensive costs on average $270 a year, collision costs $424, and liability insurance costs $388. A liability-only policy costs as little as $434 a year, with high-risk insurance costing around $2,618. Teen drivers receive the highest rates at $4,528 a year or more.
Average premium for full coverage: $1,218
Rate estimates by individual coverage type:
Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and BRZ trim levels.
Price Range by Coverage and Risk
For a middle-aged driver, prices range go from as low as $434 for only liability insurance to a high of $2,618 for a high risk driver.
Price Range by Location
Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.
The diagram below illustrates the effect of location on car insurance rates.
These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Insurance Rate Analysis
The chart below shows estimated Subaru BRZ insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $706
- Drivers who choose higher $1,000 deductibles will pay around $1,060 a year
- The average rate for a 40-year-old driver with $500 deductibles is $1,218
- Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,520
- High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,618 or more
- The cost for full coverage for a teen driver may cost $4,528 a year
for a Subaru BRZ can also vary considerably based on your driver profile, the trim level of your BRZ, and policy deductibles and limits.
Older drivers and high deductibles could pay as little as $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $4,500 a year. View Rates by Age
Where you live makes a big difference in Subaru BRZ insurance rates. A 40-year-old driver could pay as low as $800 a year in states like Idaho, Maine, and Iowa, or as much as $1,730 on average in Michigan, Louisiana, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing high deductibles could save up to $460 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $349 . View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,400 to $2,000 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 128% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2016 Subaru BRZ||$270||$424||$388||$1,218|
|2015 Subaru BRZ||$258||$380||$390||$1,164|
|2014 Subaru BRZ||$242||$350||$390||$1,118|
|2013 Subaru BRZ||$234||$328||$394||$1,092|
Rates are averaged for all Subaru BRZ models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Cheaper Subaru BRZ Insurance
Saving money on Subaru BRZ insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.
Here is a summary of the information that was covered in this article.
- Increasing deductibles can save around $450 each year
- Drivers can save as much as $150 per year simply by quoting early and online
- Drivers who require more liability insurance will pay about $430 each year to go from a minimum limit to 250/500 limits
- Young drivers pay the highest rates, costing as high as $377 per month for full coverage
- High-risk drivers that have multiple accidents or serious violations will pay on average $1,400 more each year for insurance
By now you are starting to see how even though the Subaru BRZ is one specific model, the insurance rates for the vehicle can vary based on the profile of the policyholder. For example, BRZ drivers who live in large cities pay $1,801 for six months of coverage while their rural counterparts pay $1,001.
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How does the size and class of the Subaru BRZ affect liability rates?
The most basic form of insurance that all drivers are required to carry is liability car insurance. This is regulated at the state level, so the minimum amount of liability coverage you are required to carry depends on where you live.
Another way you can figure out how much insurance will cost for your model is by taking a look at its size and class. The Insurance Institute for Highway Safety (IIHS) identifies the Subaru BRZ as a small two-door car, so the amount of money you pay for insurance depends on the overall safety of this vehicle class.
Generally speaking, larger models such as SUVs are considered to be safer than smaller cars like the Subaru BRZ. Since SUVs are heavier, the passengers inside the vehicle are not at a high risk of serious injury in the event of a crash.
As a smaller two-door car, the Subaru BRZ is not as heavy as an SUV. But the vehicle still plays its part to protect the occupants inside the vehicle with advanced technology, which we will examine later in the article.
What does liability insurance cost for a Subaru BRZ?
Now that you have an understanding of how liability rates are determined, we will examine how much you can expect to pay for insurance on the Subaru BRZ model.
Bodily injury liability coverage is the first of two types of insurance you are required to carry. This will pay for lost wages, medical expenses, and emergency services for the other party if you caused an accident.
The following general quotes will show a breakdown of how much bodily injury liability costs for the Subaru BRZ based on six months of coverage.
- Low ($25,000): $109.36
- Medium ($50,000): $132.38
- High ($100,000): $145.26
The second type of coverage you are required to carry is called property damage liability insurance. This will pay for damages to the other party’s property after an accident that was deemed your fault.
Take a look at the following general quotes to see how much you can expect to pay for property damage liability insurance for six months of coverage.
- Low ($25,000): $122.21
- Medium ($50,000): $120.83
- High ($100,000): $124.69
After reviewing these ballpark figures, you can see that bodily injury quotes vary based on coverage level while property damage rates stay mostly the same.
If you are trying to get the most amount of coverage for the least amount of money, it would be wise to be mindful of how the two different types of liability coverage are priced differently.
What are the safety features and ratings of the Subaru BRZ?
Since small cars are at a greater disadvantage in the event of a crash, automakers upgrade the security of these models with essential safety features.
In the case of the Subaru BRZ, AutoBlog.com reports that the two-door car has the following list of safety features installed that help its overall safety rating.
- Anti-Lock Brakes – Also known as ABS, these brakes have sensors that detect when the tire(s) have stopped moving when extreme braking occurs. The ABS system will modify pressure allowing the tire(s) to continue rotating safely.
- Front-Impact Airbags – This feature serves to protect the heads of the driver and passengers during a front-end crash.
- Stability Control – This feature automatically senses when the van’s handling limits have been exceeded and reduces engine power and applies select brakes to help prevent the driver from losing control.
- Pretensioners – This feature automatically tightens the seatbelts to place the occupant in the optimal seating position during a collision.
- Anti-Theft Security – This technology anticipates and detects unwanted vehicle intrusion. The vehicle is equipped with an ignition-disable device that will prevent the engine from starting if the correct original manufacturer key is not used.
After reviewing these features, you might be wondering how these translate to actual safety scores. The National Highway Traffic Safety Administration (NHTSA) gives the Subaru BRZ four out of five for an overall front star rating.
No matter how safe a vehicle is made, road fatalities still occur due to the dangerous nature of driving. Insurance companies will review data surrounding how many fatalities occur for particular vehicle types when calculating rates for potential policyholders.
The IIHS reports that out of 7,965,422 registered cars that are similar to the Subaru BRZ, a total of 427 deaths have resulted. This equates to a fatality rate of 54 per one million registered people, whereas the average for all vehicle types is 36 per million.
Some crashes are more fatal than others, which is why automakers spend time making certain parts of the vehicle as safe as possible. Take a look at the following statistics that show fatalities based on the impact point of the crash.
- Frontal Impact: 7,433 deaths
- Side Impact: 3,568 deaths
- Rear Impact: 834 deaths
- Other (mostly rollovers): 1,303 deaths
As you can see, frontal impact crashes are the most fatal type of accident occurring on the road today. That is why front airbags are standard across all vehicles, and automakers are constantly improving safety technology.
What is the MSRP of the Subaru BRZ?
If you want to know how much insurance is going to cost on your car, you will need to know the value of your model.
We can figure out how much the Subaru BRZ is worth by taking a look at the Manufacturer’s Suggested Retail Price (MSRP) from Kelly Blue Book (KBB).
KBB reported that the MSRP for a 2020 Subaru BRZ Limited is $29,745 with a fair market value range between $27,101 to $29,002.
If you need a few reasons to help push you in the right direction towards buying a BRZ, check out the following video.
It’s important to keep this figure in mind when thinking about insurance coverage that is designed to protect your vehicle. The two most basic forms of insurance that will pay for repairs on your car are called collision and comprehensive coverage.
- Collision car insurance is a type of coverage that will pay for any costs associated with repairing or even replacing your vehicle if it gets damaged after colliding with another car or object.
- Comprehensive car insurance protects you from any damage sustained that is outside of your control, such as a bicycle running into your vehicle while it is parked on the street.
If you purchase a new vehicle like a 2020 Subaru BRZ, it is a wise idea to protect that investment. In the end, it’s your call and you have to figure out whether or not you want full coverage or liability alone.
How much will it cost to repair my Subaru BRZ?
Keeping up with repairs is an important part of owning a car, but it’s also something we wish we didn’t have to deal with all the time.
Your Subaru BRZ will remain in good health so long as you keep up with regularly scheduled maintenance appointments. Be prepared to spend roughly $672 each year to fix any mechanical issues, have the oil changed, tires rotated, and everything else the car needs to perform at a high level.
Should you need repairs that extend beyond routine maintenance, the following estimates will give you an idea of how much each part of the BRZ costs to repair. These quotes come courtesy of YourMechanic.com.
- Brake Caliper: $557
- Car Radiator: $473
- Air Conditioning: $223
- Battery: $210
- Drive Belt Tensioner: $178
- Front Crankshaft Seal: $148
- Differential/Gear Oil: $115
- Air Filter: $100
After reviewing these estimates, it appears that the brakes seem to be the most expensive part of the vehicle to repair. However, having working brakes is essential to the safety of you and everyone else on the road.
To this point, we have covered a lot of information about how insurance rates are calculated for the Subaru BRZ. Do you feel confident about securing a good policy from a reputable provider? You can take the first step by entering your five-digit ZIP code in the box below.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$87|
|5-yr Claim Free||$78|
|Paid in Full/EFT||$54|
Discounts are estimated and may not be available from every company or in every state.