Compare the Cost of Subaru BRZ Insurance by Model Year and Company

MoneyGeek found that the average cost of insurance for a Subaru BRZ is $1,495 per year. Although this cost is not as high as BMWs, Teslas and other luxury cars, the model is moderately more expensive to insure than other models.

The Subaru BRZ insurance cost is a bit higher than the average of all car models. However, rates can vary based on the model year and insurance provider. Shopping around ensures that you secure the best rates possible.

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Different insurance companies charge different rates to insure the same car model. In some cases, the cheapest insurer may change based on the model year of your car and other factors like your age and driving record. When purchasing car insurance for your Subaru BRZ, comparing prices across several insurers can help you find the lowest rates.

Key Takeaways

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The average cost of car insurance for a Subaru BRZ per year is $1,495, which is $67 higher than the $1,427 average for all car models.

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Subaru BRZ insurance costs can differ by about $937 per year depending on the insurer you choose for coverage.

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Insurance costs for the Subaru BRZ can vary by as much as $271 depending on your model’s year. Newer models tend to have higher rates.

How Much It Costs to Insure a Subaru BRZ and the Cheapest Company

Your Subaru BRZ insurance rates depend on the insurance company you choose. The average cost of insurance for the BRZ model is $1,495, although different insurers charge different rates.

The cheapest insurance provider for Subaru BRZ is GEICO, costing $1,155 per year. The company with the highest rates is Allied, which costs $2,092 per year. Drivers can save as much as $937, depending on the insurer they choose.

The Average Annual Cost of Subaru BRZ Insurance by Company

MoneyGeek determined its scores by assessing car insurance costs for a sample Subaru BRZ sample driver whose policy features 100/300/100 liability insurance with comprehensive and collision coverage.

The Average Cost to Insure a Subaru BRZ by Company

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Is a Subaru BRZ Expensive to Insure?

While calculating car insurance premiums for a particular car model, insurance companies examine various factors. In most cases, drivers with expensive models or those that are more likely to crash or get stolen pay higher car insurance costs.

Insurance companies use many factors when determining the cost of car insurance for different car models. The Subaru BRZ is a sports car. This classification makes it more expensive to insure since sports cars tend to get stolen more frequently. Additionally, sports car drivers are more likely to engage in risky driving. These are some of the factors leading to the high insurance costs for the model.

The Best Car Insurance Company for a Subaru BRZ

Cost is not the only factor to consider when purchasing car insurance for your Subaru BRZ. Researching insurance companies before making a purchase can help you find an insurer that offers the best customer experience.

MoneyGeek calculates rankings based on factors such as affordability, customer complaints, financial stability, and customer satisfaction. According to the study:

  • The best car insurance company for a Subaru BRZ is USAA. However, the company only provides insurance to military members and their families.
  • The second-best insurer for a Subaru BRZ is GEICO.

1
USAA
Score:98

5/5

Affordability

4.5/5

Claims Ratings

5/5

User Satisfaction

5/5

Financial Stability

2
GEICO
Score:90

5/5

Affordability

3.5/5

Claims Ratings

3/5

User Satisfaction

5/5

Financial Stability

3
Progressive
Score:88

4.9/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

4
State Farm
Score:78

3.9/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

5/5

Financial Stability

5
Allstate
Score:69

3/5

Affordability

4.5/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

How Much It Costs to Insure a Subaru BRZ by Model Year

Insurance companies charge less for older versions of the Subaru BRZ. The value of a car depreciates over time, translating to lower comprehensive and collision insurance rates. The average cost for the 2016 Subaru BRZ is $1,474 per year, while the 2020 model costs $271 more at an average of $1,596 annually.

Insurance companies charge varying rates for each model year. The cheapest company for a 2020 Subaru BRZ is USAA, which costs $1,166 per year on average. Choose your model below to check out insurance rates by provider.

The Average Cost to Insure a Subaru BRZ by Model Year

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  • Company
    Average Annual Rates (2020 model)
    Average Annual Rates (2019 model)
    Average Annual Rates (2018 model)
    Average Annual Rates (2017 model)
    Average Annual Rates (2016 model)
    Average Annual Rates (2013 model)
  • 1.
    $1,226
    $1,180
    $1,191
    $1,172
    $1,131
    $1,031
  • 2.
    $1,166
    $1,176
    $1,166
    $1,259
    $1,217
    $1,048
  • 3.
    $1,270
    $1,266
    $1,224
    $1,208
    $1,183
    $1,108
  • 4.
    $1,737
    $1,696
    $1,661
    $1,611
    $1,550
    $1,398
  • 5.
    $1,607
    $1,630
    $1,651
    $1,668
    $1,772
    $1,542

How Expensive Is It to Insure a Subaru BRZ Compared to Other Cars?

The average Subaru BRZ insurance cost per year is $1,495, which is slightly more expensive than the national average of $1,427. Drivers with this model pay about $67 more than the average for all car models. However, the cost is still lower than what luxury car drivers pay on average.

How Much It Costs to Insure a Subaru BRZ for 16- to 25-Year-Olds

Insurance companies charge young drivers more for car insurance regardless of the car they drive. An 18-year-old driving a Subaru BRZ pays an average of $4,878 per year. A 40-year-old driver with the same model pays just $3,384, which is $1,494 less.

By using their parent’s policy, young drivers can save a significant amount of money. It costs less when teens are added to their parent’s coverage than when they purchase separate insurance.

You can check below for car insurance rates for drivers between ages 16 to 25.

The Average Cost to Insure a Subaru BRZ by Driver Age

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  • Age
    Average Annual Rates
  • 16
    $6,254
  • 17
    $5,540
  • 18
    $4,878
  • 19
    $3,494
  • 20
    $3,119
  • 21
    $2,469
  • 22
    $2,274
  • 23
    $2,081
  • 24
    $1,953
  • 25
    $1,772
  • 40
    $1,495

How Does Location Affect the Cost of Subaru BRZ Insurance?

Although the average prices mentioned here are based on a national average, your location can significantly impact your rates. You can use the MoneyGeek state page analysis to learn about car insurance rates for your specific state.

FAQs About Subaru BRZ Insurance

The model of your car determines how much you pay for insurance, but it is not the only factor that companies consider when calculating rates. Some of the common questions about Subaru BRZ insurance rates are:

Read More About Car Insurance

Methodology

MoneyGeek used a sample driver profile to determine insurance provider rates information for Subaru BRZ Limited. The driver, in this case, is a 40-year-old male buying full coverage insurance with the following limits:

  • $100,000 in bodily injury liability insurance per person
  • $300,000 in bodily injury liability insurance per accident
  • $100,000 in property damage liability insurance per accident
  • Comprehensive and collision insurance with a $1,000 deductible

The figures are estimated averages and can help you determine how much you should expect to pay for Subaru BRZ. They do not represent your actual insurance costs.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.