Subaru BRZ Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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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 $1,164 a year including full coverage. Comprehensive costs on average $258, collision insurance costs $380, and liability insurance is $390. A policy with just liability insurance costs around $438 a year, and coverage for high-risk drivers costs around $2,500. Teenage drivers receive the highest rates at up to $4,360 a year.

Average premium for full coverage: $1,164

Rate estimates by individual coverage type:

Comprehensive $258
Collision $380
Liability $390

Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and for all BRZ models.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from the low end price of $438 for your basic liability-only policy to the much higher price of $2,500 for a high-risk insurance policy.

Liability Only $438
Full Coverage $1,164
High Risk $2,500

Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than densely populated cities. The example below illustrates how rural and urban location affects car insurance rates.

Rural Areas $873
Small Cities $1,222
Large Cities $1,571

These examples highlight why everyone should compare rates quotes based on a specific location, rather than relying on average rates.

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.

More Rate Information

The chart below breaks down average Subaru BRZ insurance rates for different risk profiles and scenarios.

  • The best discount rate is $681
  • Raising to $1,000 deductibles will save around $146 every year
  • The estimated price for a 40-year-old driver with $500 deductibles is $1,164
  • Using pricier low deductibles bumps up the cost to $1,442
  • Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,500
  • The cost that insures a teen driver for full coverage may cost $4,360

View Chart as Image

Subaru BRZ insurance cost comparison chart
Column chart showing Subaru BRZ insurance rates range from $681 to $4,360 for full coverage

Insurance rates for a Subaru BRZ can also vary considerably based on the model of your BRZ, your driving record and age, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you are likely paying at a minimum $1,400 to $1,900 additional per year, depending on your age. Subaru BRZ insurance for high-risk drivers is expensive and can cost anywhere from 44% to 134% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,300 a year. View Rates by Age

Where you live also has a big influence on Subaru BRZ insurance rates. A middle-age driver might find rates as low as $890 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,660 on average in Michigan, New York, and Louisiana.

Subaru BRZ Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,054 -$110 -9.5%
Alaska $892 -$272 -23.4%
Arizona $964 -$200 -17.2%
Arkansas $1,164 -$0 0.0%
California $1,326 $162 13.9%
Colorado $1,110 -$54 -4.6%
Connecticut $1,196 $32 2.7%
Delaware $1,316 $152 13.1%
Florida $1,454 $290 24.9%
Georgia $1,076 -$88 -7.6%
Hawaii $836 -$328 -28.2%
Idaho $790 -$374 -32.1%
Illinois $866 -$298 -25.6%
Indiana $878 -$286 -24.6%
Iowa $784 -$380 -32.6%
Kansas $1,106 -$58 -5.0%
Kentucky $1,588 $424 36.4%
Louisiana $1,722 $558 47.9%
Maine $720 -$444 -38.1%
Maryland $962 -$202 -17.4%
Massachusetts $928 -$236 -20.3%
Michigan $2,022 $858 73.7%
Minnesota $976 -$188 -16.2%
Mississippi $1,394 $230 19.8%
Missouri $1,034 -$130 -11.2%
Montana $1,250 $86 7.4%
Nebraska $918 -$246 -21.1%
Nevada $1,396 $232 19.9%
New Hampshire $840 -$324 -27.8%
New Jersey $1,300 $136 11.7%
New Mexico $1,030 -$134 -11.5%
New York $1,226 $62 5.3%
North Carolina $670 -$494 -42.4%
North Dakota $954 -$210 -18.0%
Ohio $802 -$362 -31.1%
Oklahoma $1,196 $32 2.7%
Oregon $1,066 -$98 -8.4%
Pennsylvania $1,108 -$56 -4.8%
Rhode Island $1,552 $388 33.3%
South Carolina $1,056 -$108 -9.3%
South Dakota $982 -$182 -15.6%
Tennessee $1,018 -$146 -12.5%
Texas $1,404 $240 20.6%
Utah $862 -$302 -25.9%
Vermont $796 -$368 -31.6%
Virginia $698 -$466 -40.0%
Washington $900 -$264 -22.7%
West Virginia $1,068 -$96 -8.2%
Wisconsin $802 -$362 -31.1%
Wyoming $1,036 -$128 -11.0%

View Chart as Image

Subaru BRZ insurance rates by U.S. city

Using high physical damage deductibles can reduce rates by up to $430 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $351 more each year. View Rates by Deductible or Liability Limit

Subaru BRZ Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2016 Subaru BRZ $258 $380 $390 $1,164
2015 Subaru BRZ $242 $350 $390 $1,118
2014 Subaru BRZ $234 $328 $394 $1,092
2013 Subaru BRZ $228 $306 $402 $1,072

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 consists of avoiding accidents and claims, having a good credit score, not filing small claims, and dropping full coverage on older vehicles. Compare prices at least every other year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a condensed summary of the car insurance concepts raised in the charts and tables above.

  • High-risk drivers with multiple at-fault accidents could be forced to pay on average $1,340 more each year to insure a Subaru BRZ
  • You may be able to save as much as $140 per year just by quoting online well ahead of the renewal date
  • Increasing deductibles can save approximately $425 each year
  • Drivers who require increased liability limits will pay an extra $430 per year to raise from a minimum limit to the 250/500 level

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.

Rates by Driver Age

Subaru BRZ Insurance Rates by Driver Age
Driver Age Premium
16 $4,360
20 $2,648
30 $1,208
40 $1,164
50 $1,064
60 $1,042

Full coverage, $500 deductibles

Rates by Deductible

Subaru BRZ Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,442
$250 $1,314
$500 $1,164
$1,000 $1,018

Full coverage, driver age 40

Rates by Liability Limit

Subaru BRZ Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,164
50/100 $1,242
100/300 $1,340
250/500 $1,593
100 CSL $1,281
300 CSL $1,496
500 CSL $1,652

Full coverage, driver age 40

Rates for High Risk Drivers

Subaru BRZ Insurance Rates for High Risk Drivers
Age Premium
16 $6,204
20 $4,214
30 $2,550
40 $2,500
50 $2,384
60 $2,360

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.

SR-22 Surcharge $158

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $62
Multi-vehicle $60
Homeowner $18
5-yr Accident Free $81
5-yr Claim Free $75
Paid in Full/EFT $50
Advance Quote $55
Online Quote $82
Total Discounts $483
Rate after discounts $681

Discounts are estimated and may not be available from every company or in every state.

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