Subaru BRZ Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Subaru BRZ costs more than most other cars to insure.

• Liability car insurance for a BRZ comes in at about $85 per month, while full coverage usually runs around $229 monthly.

• The cheapest auto insurance company for a BRZ is AnswerFinancial, who offers BRZ owners premiums as cheap as $44 per month.

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BRZ Overview

Coming in with a base MSRP of $28,845 for 2020 models, the Subaru BRZ is a great budget-friendly car for drivers of all types. There's a BRZ for every driver, with two different trim options available.

We ran through thousands of insurance quotes on Compare.com, and we've found that Subaru BRZ auto insurance prices average out to about $204 a month. Where does that fall compared to the rest of the market?

How Much is Car Insurance for a Subaru BRZ?

If you look at the table above, you'll see that compared to other vehicles, Subaru BRZ insurance rates are more expensive than average. On average, BRZ drivers will pay around $85 monthly for liability insurance, and about $229 a month for full coverage, which has comprehensive and collision coverages in addition to liability (take a look at our guide, "State Minimum vs. Full Coverage", to learn more about the difference between these types of insurance).

Compared to other Subaru models, the BRZ is more expensive, with premiums around 46% higher than the rest of the manufacturer's vehicle offerings. Compared to offerings from other brands, car insurance for a BRZ is similarly on the expensive side, with full coverage insurance rates coming in about $52 more and $2 more for liability only insurance.

Generally, they're just more expensive to insure than the average vehicle, regardless of which body style, make, or model you compare it to.

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Who has the Cheapest Car Insurance for a Subaru BRZ?

If you're browsing for a car insurance policy for a Subaru BRZ, you might be most interested in which carrier offers the most affordable prices. While prices can vary considerably from driver to driver, Commonwealth Casualty has the most affordable average rates for liability only coverage, with rates as little as just $41 per month. The next lowest company is Infinity, who offers insurance sometimes as cheap as $42 monthly.

StateAuto, AnswerFinancial, and Workmens round out the rest of the top 5 list. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

Auto insurance carriers take several different things into consideration when offering you rates. By analyzing quotes from an array of car insurance companies at once, you can be sure you're finding the cheapest rate.

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What Factors Affect Car Insurance Rates for a Subaru BRZ?

As we mentioned above, there are a whole bunch of factors that insurance carriers take a look at to calculate how much they charge -- and each carrier weighs different pieces more heavily than others, so there's not a singular company that's the lowest for everyone.

Below are just a few of the variables auto insurance companies look at and how each one affects your final rate:

Vehicle Age

The Subaru BRZ has been around for a while, so vehicle age may play a big role in what you end up paying for car insurance. Usually, newer cars are going to cost more to insure because they're worth more, but as they get older, insurance costs will gradually get lower.

As you can see in the table above, the Subaru BRZ follows this trend, as the cheapest models to insure are those that are 2 to 3 years old, while the most expensive models are BRZs that are 1 year old or less, on average.

Your Age

Your age is another factor that makes a difference in how much you pay for auto insurance. Based on the information in the table above, the youngest BRZ drivers have higher rates than those with more experience on the road. In this case, drivers under 18 pay over three times as much as those 25 or older.

Car insurance prices continue to go down as you get older, with the cheapest age group being 65 years and older for BRZ drivers.

Your Gender

Women generally to pay less for insurance than men. This is because men are more likely to get into accidents and get speeding tickets, which raises the chances of an insurance claim. Surprisingly, when it comes to BRZ drivers specifically, women pay around 3% more than men each month for auto insurance.

Where You Live

It may seem like common sense that factors such as what vehicle you drive and how old you are play a role in your car insurance premiums, but you may not realize that where you live can be just as important. Since insurance is regulated on the state level rather than nationally, prices can shift quite a bit from state to state.

For example, the average Subaru BRZ driver in New York pays about $273 per month for liability coverage. Meanwhile, on average, the same owner in California will pay only a quarter of that price. The chart shows average premiums for the top 10 most populous states, just to give you a good idea of how much prices can change across states.

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Subaru BRZ Car Insurance Discounts

No matter which vehicle you drive, how old you are, or what state you live in, it's always important to take advantage of as many car insurance discounts as possible when shopping around for a new policy.

Even though all insurance carriers offer their own unique discounts, there are a few that you'll find with most insurers. These include things like:

• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher than average safety ratings
• Defensive driving discounts for taking a defensive driving class through an accredited school or institution
• Multi-policy discounts for getting both your home and auto policies from the same insurance carrier
• Pay-in-full discounts for drivers who choose to pay their entire policy rate at once, rather than by monthly payments

While these are just a few of the discounts auto insurance companies offer, there are countless other ways to save money on you monthly insurance bill. Sometimes, the best rates come from simply having a favorable insurance profile, which means not having any recent insurance claims or just having a clean driving record.

Although you don't have control over every variable car insurance carriers use to calculate rates (like some of the ones mentioned above), you can control some of them. Below are just a few of the things you can use to your favor when it comes to saving money:

Your Driving Record

You've probably noticed ads from insurance companies offering hefty savings for responsible drivers. It makes sense that if you get speeding tickets or get into an accident, auto insurance premiums will go higher. But exactly how much will these infractions cost you?

As you can tell, accidents will usually cost BRZ drivers more than tickets, but both will result in higher than average rates. Subaru BRZ drivers with a single ticket will pay an average of $93 monthly, while drivers with one accident on their record pay about $110 every month (up $25 from the $85/mo. overall average). Drivers with multiple kinds of either violation will end up paying even more.

How Much You Drive

How much you drive each year plays a big role in your car insurance prices. Those who are on the roads less are more likely to go accident-free, so they'll typically end up paying less for auto insurance. In the above table, you can see that Subaru BRZ owners who drive fewer than 2,500 miles per year pay about $71 a month for insurance, while those who put 10,000 miles or more on their cars pay $89.

If you don't drive much because have a second vehicle or you work from home, it may be worth learning about usage-based or pay-per-mile auto insurance. With these kinds of coverage, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Subaru BRZs Compare to Other Vehicles?

If you're thinking about buying a new car and a Subaru BRZ is on your shortlist, you might be wondering how it compares to other cars. Insurance is just one cost that's associated with buying a new car, but it's definitely one that's worth thinking about carefully.

Check out the table below to see how the Subaru BRZ stacks up:

As you can see, a Subaru BRZ is a great value when it comes to overall price tag. The BRZ has a base price of $28,845, which is quite a bit lower than the national average vehicle MSRP of $46,538.

Although the purchase price is on the cheaper end of the spectrum, insurance rates are higher when compared to other vehicles on the market. Liability insurance for a Subaru BRZ is around $32 per month more than average, while full coverage is over $50 more per month.

When it comes to usage, Subaru BRZ drivers are near the national average in annual miles driven, with 11,660 miles a year for all vehicles compared to the BRZ's 11,417 every year.

Subaru BRZ Car Insurance Costs by Model Year

Thus far, you've seen how different variables have an impact on how much the average driver pays for car insurance. If you're in thinking about buying a new car, truck, or SUV and the BRZ is on your wishlist, knowing what you'll likely pay for the specific car you're looking at is extremely valuable as you weigh your choices.

For this reason, we've done the heavy lifting and analyzed Subaru BRZ insurance premiums by model year. Find the model year you want in the dropdown to see average rates for both liability only and full coverage options. You'll also find some other helpful info, such as base price, available trims, and even the cheapest insurance company for each BRZ model year.

Choose Your Model

2020 Subaru BRZ Car Insurance 2019 Subaru BRZ Car Insurance 2018 Subaru BRZ Car Insurance 2017 Subaru BRZ Car Insurance 2016 Subaru BRZ Car Insurance 2015 Subaru BRZ Car Insurance 2014 Subaru BRZ Car Insurance 2013 Subaru BRZ Car Insurance

2020 Subaru BRZ Car Insurance

The average cost to insure a 2020 Subaru BRZ with liability only coverage is $113 a month, while full coverage runs about $300 monthly.

With rates as cheap as just $40 a month, Clearcover offered the most affordable policy we found for the 2020 Subaru BRZ.

Interested in what your auto insurance premium could look like? Get lots of personalized quotes for free by just entering your ZIP code below.

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2019 Subaru BRZ Car Insurance

On average, drivers who own a 2019 BRZ can expect to pay $79 to $251 per month for liability only and full coverage car insurance, respectively.

If you're looking for the cheapest possible 2019 Subaru BRZ insurance policy, Commonwealth Casualty offered the lowest policy we found, with rates sometimes as little as $43 monthly.

While these are good estimates of what the average driver might pay to insure a 2019 Subaru BRZ, these prices might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2018 Subaru BRZ Car Insurance

It costs around $70 per month for liability or $204 for a full coverage policy for the 2018 Subaru BRZ.

We found SafeAuto offered the cheapest policy, with rates sometimes as low as $43 monthly.

While these are good estimates of what the average driver might pay to insure a 2018 Subaru BRZ, these rates might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2017 Subaru BRZ Car Insurance

You can expect full coverage for a 2017 BRZ to run about $206 a month, while liability only coverage will average around $78 per month.

Commonwealth Casualty has prices as low as just $38 monthly for the 2017 Subaru BRZ.

If you want to know exactly how much you can expect to pay for your BRZ, just enter your ZIP code below and get several free quotes in minutes.

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2016 Subaru BRZ Car Insurance

2016 Subaru BRZ drivers can expect to pay an average of $89 a month for liability or $237 for full coverage.

Clearcover offered the most affordable policy we found, with rates as low as $39 per month.

Want to find the best rates? Enter your ZIP code below to get a variety of free personalized quotes.

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2015 Subaru BRZ Car Insurance

You can expect full coverage for a 2015 BRZ to run about $221 a month, while liability only coverage will average around $109 monthly.

Looking for the cheapest policy? Clearcover offered liability only coverage for as little as $33 a month.

If you want to know just how much your price will be, get free quotes in minutes by just entering your ZIP code below.

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2014 Subaru BRZ Car Insurance

It costs about $94 monthly for liability or $238 for a full coverage policy for the 2014 Subaru BRZ.

With premiums as low as $24 per month, Mile Auto offered the most affordable policy we found.

Want something more accurate than nationwide averages? Just enter your ZIP code below to get multiple free personalized quotes.

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2013 Subaru BRZ Car Insurance

2013 BRZ drivers can expect to pay an average of $75 monthly for liability or $227 for full coverage.

With prices as low as just $19 a month, Hugo offered the lowest policy we found for the 2013 Subaru BRZ.

If you want to find the best rates for auto insurance for a 2013 Subaru BRZ, enter your ZIP code below and compare a range of personalized quotes in just a few minutes.

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Subaru BRZ Insurance FAQs

Is a Subaru BRZ expensive to insure?

When compared to the national average of all cars, premiums come in on the more expensive end of the spectrum. Liability insurance runs an average of $85 per month, while full coverage will cost you around $229.

How can I get the best price on car insurance for my Subaru BRZ?

There's only one way to be confident you're getting the cheapest rates -- regularly shopping around and comparing quotes from numerous carriers. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a whole range of companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Subaru BRZ affect my insurance premiums?

You may have heard that it costs more to insure red cars than silver or white ones, but that's actually a myth. There are lots of things car insurance carriers examine when they calculate your prices, but the color of your BRZ is not on that list.

Do I need to have insurance before I buy a Subaru BRZ?

You'll need to have valid insurance for your car before you can legally drive your it off the dealership lot. As part of the buying process, some dealerships might offer you a car insurance policy, but it's best to let your car insurance carrier know before you buy.

What car insurance discounts can I get for my Subaru BRZ?

You will find a whole range of different discounts out there when it comes to auto insurance. Many of them (like "safe driver discounts" and "multi-policy discounts") are more based on you than the Subaru BRZ you drive, but if your BRZ has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may qualify for certain discounts. The only way to find out is to contact your insurance company and ask about their list of discounts.