The cheapest full coverage car insurance for a Subaru BRZ is $1,091 per year, on average, while the most expensive can reach $7,150 annually. Rates vary based on the car's model year, your age, where you live, your driving history, the coverage level you choose and the insurer.
Subaru BRZ Insurance Cost
Key Takeaways
GEICO offers the most affordable annual rates for minimum coverage across all model years of the Subaru BRZ, with an average rate of $423.
If you own a Subaru BRZ, expect to pay around $586 annually for minimum coverage and $1,632 for full coverage.
MoneyGeek analyzed data and information, including thousands quotes for a Subaru BRZ, from Quadrant Information Services.
Subaru BRZ Insurance Rates
What Is the Average Subaru BRZ Car Insurance Cost?
Subaru BRZ full coverage insurance costs about $136 per month or $1,632 per year. This estimate is based on a 40-year-old male driver with a clean record. For minimum coverage, expect to pay around $49 monthly or $586 yearly.
| Minimum Liability | $586 |
| Full Coverage | $1,632 |
Read More: Average Cost of Car Insurance
Subaru BRZ Insurance Costs by Company
Subaru BRZ insurance costs range from $1,132 to $2,353 annually, depending on age, model year and coverage level. The table below shows how Subaru BRZ insurance rates compare to average rates for all vehicles from several national and midsize providers.
| Allstate | $1,875 | $1,809 | 4% |
| Auto-Owners Insurance Co | $1,371 | $1,225 | 12% |
| Farmers | $2,225 | $1,952 | 14% |
| GEICO | $1,225 | $1,332 | -8% |
| Kemper | $2,353 | $2,209 | 7% |
| Nationwide | $1,830 | $1,585 | 15% |
| Progressive | $1,769 | $1,741 | 2% |
| State Farm | $1,404 | $1,267 | 11% |
| Travelers | $1,679 | $1,519 | 11% |
| USAA | $1,132 | $1,199 | -6% |
Read More: Best Car Insurance Companies
Cost of Insuring a Subaru BRZ by Model Year
The year your Subaru BRZ was produced can affect your insurance rates, with older models often costing less. For instance, a 2022 model might cost $1,794 annually for full coverage, while a 2013 model could be just $1,449. Below, you'll find average full and minimum coverage rates for each Subaru BRZ production year.
| 2022 | $592 | $1,794 |
| 2021 | $597 | $1,766 |
| 2020 | $600 | $1,738 |
| 2019 | $615 | $1,732 |
| 2018 | $608 | $1,667 |
| 2017 | $581 | $1,624 |
| 2016 | $601 | $1,581 |
| 2015 | $595 | $1,539 |
| 2014 | $595 | $1,494 |
| 2013 | $592 | $1,449 |
Subaru BRZ Insurance Costs by Driver Age
Subaru BRZ insurance rates vary widely depending on the driver's age. For example, a 40-year-old might pay around $1,638 annually for full coverage, while a 16-year-old could face rates as high as $7,150. Below are the average full coverage and state minimum rates for Subaru BRZ drivers across various age ranges.
| 16 | $2,718 | $7,150 |
| 17 | $2,222 | $5,851 |
| 18 | $1,945 | $5,177 |
| 19 | $1,382 | $3,704 |
| 20 | $1,242 | $3,370 |
| 21 | $988 | $2,719 |
| 22 | $903 | $2,500 |
| 23 | $839 | $2,335 |
| 24 | $796 | $2,222 |
| 25 | $697 | $1,968 |
| 26 | $680 | $1,906 |
| 27 | $664 | $1,863 |
| 28 | $653 | $1,834 |
| 29 | $643 | $1,807 |
| 30 | $621 | $1,735 |
| 35 | $603 | $1,674 |
| 40 | $598 | $1,638 |
| 45 | $592 | $1,611 |
| 50 | $577 | $1,558 |
| 55 | $561 | $1,510 |
| 60 | $561 | $1,504 |
| 65 | $599 | $1,555 |
| 70 | $650 | $1,663 |
| 75 | $720 | $1,823 |
| 80 | $815 | $2,028 |
| 85 | $882 | $2,177 |
| 90 | $931 | $2,282 |
Subaru BRZ Insurance Rates Explained
There are a number of factors that will affect a driver's car insurance rates based on their driver profiles. However, auto insurance providers will also take into account factors that are tied to the vehicle you drive. The list below breaks down the cost factors that are related to your vehicle.
Subaru BRZ Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296 Subaru BRZ
Average Full Coverage Rate
$1,632Premiums for Tesla Model S are:$336 more
This is 26% more expensive.
Value
The MSRP of the Subaru BRZ is $36,465, classifying it as a sports car. This higher MSRP can lead to increased insurance costs as insurers may charge more for sports cars.
Repair Costs
The annual repair cost for the Subaru BRZ is $672, which is below the national average. Easier and cheaper repairs can lead to lower insurance costs.
Performance
The Subaru BRZ has 228 horsepower and a 0 to 60 time of 5.5 seconds, making it a high-performance vehicle. Insurers may charge more due to the perceived risk of high-performance cars.
Vehicle Age
Newer cars like the Subaru BRZ are typically more expensive to insure than older vehicles. However, collector and classic vehicles can be very expensive to insure.
Safety Features
Safety features like stability control, airbags and antilock brakes can qualify your vehicle for insurance discounts. The Subaru BRZ has a 5 out of 5 NHTSA safety rating, reducing the risk of accidents.
Vehicle Size
Larger vehicles often cost more to insure due to increased property damage risk. The Subaru BRZ is a smaller vehicle, which may result in lower insurance costs compared to larger vehicles.
Trim Level
Higher trim levels often feature premium upgrades, leading to a higher MSRP. This means Subaru BRZ's higher trim levels will cost more to insure than the base model.
Cheapest Subaru BRZ Insurance
GEICO offers the most affordable rate for a Subaru BRZ, with an average annual minimum coverage premium of $423. This rate applies to a 40-year-old male driver with a clean driving record. Below is a breakdown of the cheapest Subaru BRZ insurance rates across various coverage levels, age groups, driving records, model years and more.
Cheapest Subaru BRZ Insurance by Coverage Level
The coverage level you choose greatly impacts your Subaru BRZ insurance rate. GEICO offers the most affordable rates for both state minimum and full coverage plans. Below is a breakdown of the cheapest provider for both coverage types.
Cheapest Subaru BRZ Minimum Coverage
For Subaru BRZ owners, GEICO offers the cheapest state minimum liability insurance at $35 per month. State Farm, Travelers and Progressive also provide competitive rates, ranging up to $52 monthly.
| USAA | $32 | $389 |
| GEICO | $35 | $423 |
| State Farm | $41 | $496 |
| Travelers | $48 | $575 |
| Progressive | $52 | $627 |
| Allstate | $57 | $680 |
| Nationwide | $57 | $686 |
| Farmers | $60 | $725 |
*GEICO offers the lowest average minimum liability insurance rates for non-military-affiliated Subaru BRZ owners. Otherwise, USAA would be the most affordable option.
Best Subaru BRZ Insurance Rates by Model Year
The above list doesn't account for your Subaru BRZ's production year, which could mean lower rates are available. Depending on your vehicle's age, you might find more affordable minimum coverage options. To find the cheapest rates, filter the table below by production year.
Data filtered by:Results filtered by:
Select
Model Year:2013
| Allstate | $696 | $58 |
| Farmers | $711 | $59 |
| GEICO | $426 | $36 |
| Nationwide | $656 | $55 |
| Progressive | $632 | $53 |
| State Farm | $472 | $39 |
| Travelers | $577 | $48 |
| USAA | $378 | $32 |
*USAA is only available for military veterans, active servicemembers, and their families
Read More: Cheapest Liability-Only Car Insurance
Cheapest Full Coverage Subaru BRZ Insurance
*USAA is only available for military veterans, active servicemembers and their families
Read More: Cheapest Liability-Only Car Insurance
| USAA | $91 | $1,091 |
| GEICO | $100 | $1,196 |
| State Farm | $114 | $1,364 |
| Travelers | $138 | $1,656 |
| Nationwide | $142 | $1,706 |
| Progressive | $143 | $1,715 |
| Allstate | $149 | $1,790 |
| Farmers | $173 | $2,072 |
*On average, GEICO is the cheapest insurer for non-military affiliated Subaru BRZ owners seeking a full coverage policy. Otherwise, USAA would be the most affordable option.
Read More: Cheapest Full Coverage Car Insurance
Cheapest Subaru BRZ Insurance by Age
Young drivers aged 16-25 and seniors over 55 often face higher Subaru BRZ insurance costs, making it important to find affordable rates. Below is a breakdown of the cheapest Subaru BRZ insurance options by age.
Cheapest Subaru BRZ Insurance for Young Drivers
Young Subaru BRZ drivers aged 16-25 can find the cheapest minimum coverage auto insurance with GEICO, offering rates as low as $81 monthly or $973 annually. Below is a table detailing the complete list of affordable auto insurance rates for Subaru BRZ drivers.
| USAA | $67 | $802 |
| GEICO | $81 | $973 |
| State Farm | $91 | $1,088 |
| Travelers | $98 | $1,182 |
| Allstate | $127 | $1,527 |
| Nationwide | $152 | $1,821 |
| Progressive | $154 | $1,842 |
| Farmers | $162 | $1,940 |
*GEICO is the cheapest insurer for young drivers who are not military-affiliated, but otherwise, USAA would be the most affordable option.
Read More: Car Insurance for Young Drivers
Cheapest Subaru BRZ Insurance for Seniors
GEICO offers the cheapest car insurance for seniors aged 55 and up, with rates at $42 monthly and $499 annually. Below is a list of affordable Subaru BRZ insurers.
| GEICO | $42 | $499 |
| USAA | $43 | $515 |
| State Farm | $45 | $545 |
| Travelers | $57 | $683 |
| Progressive | $64 | $771 |
| Nationwide | $67 | $806 |
| Allstate | $68 | $821 |
| Farmers | $81 | $974 |
*GEICO is the cheapest insurer for senior non-military affiliated Subaru BRZ owners. Otherwise, USAA would be the most affordable option.
Read More: Best Cheap Car Insurance for Seniors
Cheapest Subaru BRZ Insurance After an Accident
State Farm, GEICO and Travelers offer the cheapest car insurance for Subaru BRZ drivers after an accident. See the complete list below for more options.
| USAA | $49 | $589 |
| State Farm | $52 | $621 |
| GEICO | $55 | $655 |
| Travelers | $68 | $815 |
| Allstate | $78 | $930 |
| Progressive | $84 | $1,013 |
| Nationwide | $88 | $1,060 |
| Farmers | $117 | $1,399 |
Read More: Cheapest Car Insurance After an Accident
Subaru BRZ Insurance Cost: Bottom Line
Make it a habit to compare rates from different providers to find the cheapest car insurance. In this article, we explored Subaru BRZ insurance, detailing costs across demographic groups and identifying the most affordable providers.
Subaru BRZ Insurance Rates: FAQ
Below are some frequently asked questions about Subaru BRZ insurance costs, including state minimum coverage and affordable options.
What company has the cheapest car insurance for a Subaru BRZ?
GEICO offers the cheapest car insurance provider for a Subaru-BRZ, with an average annual minimum coverage rate of $423.
What is the average cost of car insurance for a Subaru BRZ?
The average cost of state minimum liability insurance for a Subaru BRZ is $586 annually, while full coverage averages $1,632 per year. These rates ensure you meet legal requirements and provide more comprehensive protection, respectively.
Subaru BRZ Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data, information and 4,183 quotes for a Subaru BRZ from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Subaru BRZ:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Subaru BRZ insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn’t available, our data scientists interpolated expected rates based on how individual insurers tend to price car models year by year. Our published rates are simply estimates and may not reflect the actual rate that you’ll receive for your Subaru BRZ.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis also includes average rates for a full coverage policy that includes comprehensive and collision coverage (with a $1,000 deductible) and the following increased liability coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.