Subaru BRZ Insurance [Everything You Need to Know]

Average car insurance rates for a Subaru BRZ cost $1,334 a year, or around $111 a month. Shop around to find cheap Subaru BRZ insurance rates. On average, Subaru BRZ comprehensive insurance coverage costs $325, collision coverage costs $474, and liability coverage costs $376.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 25, 2020

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Key Takeaways:

  • Full coverage costs around $1,334 a year or $111 each month
  • A liability-only policy costs around $535 a year or $45 each month
  • Highest rates are for teenage drivers at around $4,876 a year or $406 each month
  • Good drivers can save as much as $550 a year by earning policy discounts
  • Subaru BRZ insurance costs around $185 less per year than the average vehicle

Subaru BRZ car insurance rates amount to $1,334 a year, or $111 a month on average. Some of the factors that influence Subaru BRZ rates include the age and location of the driver, along with the model year of the car. If you want to learn more about Subaru BRZ insurance rates to help you in your search for the right policy, keep reading through this detailed article.

You can start comparing quotes for Subaru BRZ car insurance rates from some of the best car insurance companies by using our free online tool now.

Subaru BRZ Insurance Cost

The average Subaru BRZ car insurance rates are $1,334 a year or $111 a month.

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Are Subaru BRZs Expensive to Insure?

The chart below details how Subaru BRZ insurance rates compare to other coupes like the MINI Hardtop 2 Door, Audi TT, and Mercedes-Benz CLA 250.

Vehicle Comprehensive Collision Liability Total
MINI Hardtop 2 Door $282 $536 $338 $1,292
Audi TT $382 $714 $398 $1,652
Mercedes-Benz CLA 250 $406 $834 $398 $1,796
Cadillac ATS Coupe $344 $686 $398 $1,586
Audi S5 $394 $864 $398 $1,814
Dodge Challenger $404 $688 $420 $1,692
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However, there are a few things you can do to find the cheapest Subaru insurance rates online.

What Impacts the Cost of Subaru BRZ Insurance?

The Subaru BRZ trim and model you choose can impact the total price you will pay for Subaru BRZ car insurance coverage.

Age of the Vehicle

The average Subaru BRZ auto insurance rates are higher for newer models. For example, auto insurance rates for a 2017 Subaru BRZ cost $1,334, while 2013 Subaru BRZ rates are $1,218, a difference of $116.

Model Year Comprehensive Collision Liability Total
2017 Subaru BRZ $320 $524 $354 $1,334
2016 Subaru BRZ $310 $502 $364 $1,312
2015 Subaru BRZ $292 $484 $376 $1,288
2014 Subaru BRZ $282 $450 $384 $1,252
2013 Subaru BRZ $270 $424 $388 $1,218
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Driver Age

Driver age can have a significant impact on the cost of Subaru BRZ auto insurance. For example, 20-year-old drivers pay approximately $1,631 each year for their Subaru BRZ auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Subaru BRZ insurance rates. For example, drivers in Jacksonville may pay $800 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on your Subaru BRZ auto insurance rates. Teens and drivers in their 20’s see the highest jump in their Subaru BRZ car insurance with violations on their driving record.

Subaru BRZ Safety Ratings

The Subaru BRZ’s safety ratings will affect your Subaru BRZ auto insurance rates. See the chart below:

Test Type Rating
Small overlap front: driver-side Acceptable
Small overlap front: passenger-side Not Tested
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
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Subaru BRZ Crash Test Ratings

The crash test ratings of the Subaru BRZ can impact your Subaru BRZ car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2020 Subaru BRZ 2 DR RWD N/R 4 stars N/R 5 stars
2019 Subaru BRZ 2 DR RWD N/R 4 stars N/R 5 stars
2018 Subaru BRZ 2 DR RWD N/R 4 stars N/R 5 stars
2017 Subaru BRZ 2 DR RWD N/R 4 stars N/R 5 stars
2016 Subaru BRZ 2 DR RWD 5 stars 4 stars 5 stars 5 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Subaru BRZ Safety Features

The more safety features you have on your Subaru BRZ, the more likely it is that you can earn a discount. The Subaru BRZ’s safety features include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Traction Control
  • Auto-Leveling Headlights

Subaru BRZ Insurance Loss Probability

The Subaru BRZ’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Subaru BRZ, others are more favorable and lead to lower insurance rates.

Insurance Coverage Category Loss Rate
Collision 56%
Property Damage -22%
Comprehensive 50%
Personal Injury -13%
Medical Payment -12%
Bodily Injury -24%
Source: Insurance Institute for Highway Safety
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Subaru BRZ Finance and Insurance Cost

If you are financing a Subaru BRZ, most lenders will require your carry higher Subaru BRZ coverage options including comprehensive coverage, so be sure to shop around and compare Subaru BRZ car insurance rates from the best companies using our FREE tool below.

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Ways to Save on Subaru BRZ Insurance

There are many ways that you can save on Subaru BRZ car insurance. Below are five actions you can take to find cheap Subaru BRZ auto insurance rates.

  • Take a Defensive Driving Course or Any Driver’s Education Course
  • Improve Your Credit Score
  • Understand that Your Insurer Can Change Your Subaru BRZ Auto Insurance Rates Mid-Term for Other Reasons
  • Make Sure You’re Raising a Safe Driver
  • Choose a Subaru BRZ with Cheaper Repair Costs

Top Subaru BRZ Insurance Companies

The best auto insurance companies for Subaru BRZ car insurance rates will offer competitive rates, discounts, and account for the Subaru BRZ’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Subaru BRZ Insurance Quotes Online

You can start comparing quotes for Subaru BRZ insurance from some of the top car insurance companies by using our free online tool today.

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Average Monthly Car Insurance Rates by State