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Subaru BRZ Car Insurance: Costs, Coverage, and Smart Ways to Save
The Subaru BRZ is the kind of car that makes you smile every time you turn the key. It is light, nimble, rear wheel drive, and genuinely fun to drive. It also happens to be one of the most affordable sports cars you can buy new. But when it comes to insurance, the BRZ carries a higher price tag than your average sedan or SUV.
Insurers classify the BRZ as a sports car, which means it lands in a higher risk category even though it produces a modest 228 horsepower. The combination of rear wheel drive, a two door coupe body style, and the demographics of typical sports car buyers all factor into your premium. That said, the BRZ is far from the most expensive sports car to insure. It actually ranks 30th out of 115 sports cars for insurance affordability.
This guide covers everything BRZ owners and prospective buyers need to know about insurance. You will find real cost data, the factors that move your rate up or down, coverage recommendations for different situations, and practical strategies to keep your premium manageable.
How Much Does Subaru BRZ Insurance Cost?
Full coverage insurance for a Subaru BRZ averages between $1,571 and $2,580 per year, or roughly $131 to $215 per month. State minimum liability coverage typically costs between $612 and $1,344 per year. These numbers put the BRZ above the national average for all vehicles but below many of its sports car competitors.
Here is a breakdown of average annual costs by coverage type:
| Coverage Type | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| State Minimum Liability | $612 to $1,344 | $51 to $112 |
| Full Coverage (All Model Years) | $1,571 to $2,580 | $131 to $215 |
| Full Coverage (2025 Model) | $1,571 to $1,835 | $131 to $153 |
| Full Coverage (2026 Model) | $2,185 (estimated) | $182 (estimated) |
Note: Rates are national averages for a 40 year old driver with a clean record. Your actual premium will vary based on your age, location, record, and coverage choices.
The BRZ costs less to insure than most coupes. According to The Zebra, BRZ owners pay an average of $199 per month for full coverage, compared to $245 per month for the typical coupe. Among all 115 sports cars analyzed by MoneyGeek, the BRZ sits in the upper third for affordability, meaning it is one of the more budget friendly sports cars to insure.
Why Does the Subaru BRZ Cost More to Insure Than a Regular Car?
If you are coming from a Subaru Outback, Forester, or Crosstrek, your first BRZ insurance quote will probably feel like a jump. Here is why:
Sports Car Classification
Insurance companies classify the BRZ as a sports car based on its two door coupe body, rear wheel drive layout, and performance oriented design. This classification puts it in a higher risk tier regardless of its relatively moderate horsepower. Sports cars are statistically more likely to be involved in speed related incidents and aggressive driving claims.
Driver Demographics
The BRZ appeals to younger, enthusiast drivers. According to industry data, Subaru drivers as a group have a higher accident rate than some competing brands. Insurers use this aggregate data when setting model specific rates, even if you personally are a careful driver.
Rear Wheel Drive in All Weather
Unlike most Subarus that come standard with all wheel drive, the BRZ is rear wheel drive only. This increases the risk of loss of traction incidents, especially in states with winter weather. Insurers factor this into the premium for BRZ owners in northern and mountainous states.
Repair Costs for a Specialty Vehicle
While the BRZ uses a Subaru flat four engine, its body panels, suspension components, and interior parts are specific to the BRZ platform. Replacement parts are less common than those for high volume models like the Outback or Forester, which can make repairs slightly more expensive.
Factors That Affect Your BRZ Insurance Rate
Your Age
Age has an outsized impact on sports car insurance. A 16 year old BRZ owner might pay between $2,804 and $6,167 per year, while a 60 year old with a clean record could pay as little as $543 to $1,238. Rates drop steadily from age 25 onward, reaching their lowest point between ages 40 and 60.
Your Driving Record
On a sports car, any blemish on your record amplifies your premium. A single at fault accident can add 30% to 50% to your rate. A DUI can push your annual cost above $4,000. A clean record is the most valuable tool for keeping BRZ insurance affordable.
Your Location
Where you live creates dramatic rate differences. BRZ insurance can cost as little as $41 per month for minimum coverage in Wyoming and climb to $217 per month in Louisiana. States like Michigan, Florida, and New York consistently rank among the most expensive due to their insurance regulations, claim frequencies, and legal environments.
Trim Level and Model Year
The 2025 BRZ comes in three trims: Premium (starting at $31,210), Limited, and tS ($36,360). The tS, with its retuned suspension and upgraded brakes, costs more to insure due to its higher value. The high performance Series.Yellow special edition commands the highest premiums. Older model years cost less to insure, though the difference between years is smaller on the BRZ than on many other sports cars.
Your Credit Score
In most states, insurers use a credit based insurance score when calculating your rate. Excellent credit can reduce your premium by 30% to 50% compared to poor credit. California, Hawaii, and Massachusetts do not allow credit based pricing.
Deductible Selections
Raising your collision and comprehensive deductible from $500 to $1,000 can save 15% to 25% on a BRZ policy. That can translate to $200 to $500 per year in savings on a sports car. Just be sure you can cover the higher deductible if you need to file a claim.
What Insurance Coverage Does a Subaru BRZ Need?
The right coverage for your BRZ depends on how you use it, how much it is worth, and your financial situation.
Liability Coverage (Required)
Every state except New Hampshire (under certain conditions) requires liability coverage. This pays for injuries and property damage you cause to others. State minimums vary widely. Most insurance professionals recommend at least 100/300/100, especially for a sports car where a single accident can produce significant claims.
Collision Coverage
Collision pays to repair or replace your BRZ after an accident regardless of fault. If you are financing or leasing, your lender will require this. Even if you own it outright, collision is a smart investment on a car worth $28,000 to $36,000. A single fender bender can easily run $3,000 to $7,000 on a sports car.
Comprehensive Coverage
Comprehensive covers theft, vandalism, hail, flooding, fallen objects, and animal strikes. Two door sports cars attract attention from thieves, and the BRZ’s aftermarket modification popularity makes it a target in some areas. Comprehensive also covers catalytic converter theft, which remains a risk for Subaru models.
Uninsured/Underinsured Motorist Coverage
About 14% of American drivers carry no insurance. If one of them hits your BRZ, this coverage pays for your repairs and medical bills. The cost is modest relative to the protection, and it is required in several states.
Gap Insurance
If you financed your BRZ with less than 20% down or have a loan term longer than 48 months, gap insurance is worth carrying. New sports cars depreciate quickly, and you could owe more than the car is worth if it is totaled in the first two to three years. Gap coverage typically costs $20 to $50 per year when added to your auto policy.
Track Day or Motorsport Coverage
Many BRZ owners participate in autocross events, track days, or time attack competitions. Standard auto insurance policies do not cover damage that occurs during organized racing or timed driving events. If you plan to take your BRZ on track, look into a separate track day insurance policy from providers like Lockton Motorsports or Hagerty. A single session policy typically costs $150 to $400 depending on the event and your car’s value.
Cheapest Insurance Companies for a Subaru BRZ
Rates vary dramatically between companies for the same BRZ and driver. Shopping around is essential. Here is how some major carriers compare:
| Insurance Company | Avg. Monthly (Full Coverage) | Best For |
|---|---|---|
| GEICO | $145 to $180 | Overall low rates for BRZ |
| USAA | $158 to $190 | Military families |
| State Farm | $155 to $200 | Local agent support |
| Progressive | $165 to $210 | High risk drivers and bundling |
| Nationwide | $160 to $200 | Multi policy bundling |
| Safeco | $130 to $175 | Clean record drivers |
Note: USAA is available only to military members, veterans, and their families. All rates are approximate and vary by state and driver profile.
The spread between the cheapest and most expensive carrier for the same BRZ driver can exceed $241 per month, which adds up to nearly $2,900 per year. Even small differences between companies compound over time. Always compare at least three to five quotes.
BRZ vs. Similar Sports Cars: Insurance Cost Comparison
If you are cross shopping the BRZ against other affordable sports cars, insurance costs should factor into your decision:
| Vehicle | Avg. Monthly (Full Coverage) | Compared to BRZ |
|---|---|---|
| Subaru BRZ | $131 to $215 | Baseline |
| Toyota GR86 | $140 to $220 | Very similar (same platform) |
| Mazda MX-5 Miata | $110 to $170 | 15% to 20% less |
| Ford Mustang EcoBoost | $145 to $225 | Slightly more |
| Hyundai Veloster N | $140 to $210 | Very similar |
| Volkswagen GTI | $130 to $195 | Slightly less |
| Nissan Z | $180 to $280 | 30% to 40% more |
| Toyota GR Supra | $177 to $243 | 15% to 20% more |
The BRZ and GR86 share the same platform, engine, and body, so their insurance costs are nearly identical. The Mazda MX 5 Miata is slightly cheaper to insure due to its lower horsepower and convertible body style. The Nissan Z and Toyota GR Supra cost noticeably more because of their higher power output and vehicle values.
Insurance Costs by BRZ Trim Level
| Trim Level | MSRP (2025) | Avg. Annual Insurance | Key Features |
|---|---|---|---|
| Premium (Base) | $31,210 | $1,571 to $2,200 | 228 hp, 6 speed manual or auto |
| Limited | $33,460 | $1,700 to $2,400 | Leather, heated seats, push start |
| tS | $36,360 | $1,900 to $2,600 | Retuned suspension, upgraded brakes |
| Series.Yellow (Special) | $33,000+ | $2,000 to $2,800 | Limited edition, higher value |
The base Premium trim offers the lowest insurance cost while delivering the same 228 horsepower and driving experience. If insurance cost is a concern, the base model with the manual transmission is the most affordable option to buy and insure.
How to Save Money on Subaru BRZ Insurance
Sports car insurance does not have to drain your bank account. These strategies can meaningfully reduce your premium:
- Compare quotes from at least three to five companies. Rate differences on a BRZ can exceed $2,900 per year between carriers. This is the single most effective step.
- Bundle your auto and home or renters insurance. Most companies offer 5% to 20% off when you carry multiple policies.
- Raise your deductibles. Moving from $500 to $1,000 can save $200 to $500 per year on a sports car policy.
- Ask about low mileage discounts. If your BRZ is a weekend car and you drive under 7,500 miles per year, many insurers offer a reduced rate.
- Enroll in a telematics program. Programs like Progressive Snapshot, State Farm Drive Safe & Save, or Allstate Drivewise reward safe driving habits regardless of what car you drive.
- Maintain a spotless driving record. On a sports car, any violation has an amplified impact on your premium. Safe driving is your best long term savings strategy.
- Take a defensive driving course. Many states offer a 5% to 10% discount for completing an approved course.
- Improve your credit over time. In states that allow credit based pricing, a higher score can reduce your rate by 30% or more.
- Consider the base trim. If you have not purchased yet, choosing the base Premium trim over the tS saves about $5,000 on the purchase price and lowers your annual insurance by $200 to $400.
How Modifications Affect BRZ Insurance
The BRZ has one of the largest aftermarket communities of any sports car. Coilovers, exhaust systems, intake kits, wheels, and even forced induction kits are common. But modifications can directly affect your insurance in several ways.
- Always disclose modifications to your insurer. Failing to report modifications can result in denied claims if the insurer discovers them after an incident. Be upfront about what you have done to the car.
- Performance modifications may increase your rate. Turbo kits, superchargers, and engine tuning increase your car’s power output and risk profile. Expect a higher premium if you add forced induction.
- Cosmetic modifications generally have less impact. Wheels, body kits, and vinyl wraps typically do not change your rate significantly, but they can affect the value of your vehicle.
- Consider agreed value coverage for a heavily modified BRZ. If your modifications significantly increase the car’s value, standard insurance may not cover the full replacement cost. An agreed value policy from a specialty insurer guarantees a specific payout.
State by State BRZ Insurance Costs
| State | Avg. Monthly (Minimum) | Avg. Monthly (Full Coverage) | Key Detail |
|---|---|---|---|
| California | $65 to $90 | $170 to $250 | No credit-based pricing |
| Texas | $80 to $120 | $190 to $280 | 30/60/25 minimums |
| Florida | $85 to $130 | $200 to $300 | PIP required, no-fault |
| Michigan | $100 to $180 | $250 to $400 | Highest in the U.S. |
| Ohio | $50 to $75 | $130 to $190 | Below average costs |
| Wyoming | $41 to $55 | $100 to $150 | Cheapest state |
| Louisiana | $120 to $217 | $220 to $340 | Most expensive |
Your state determines both your minimum coverage requirements and the baseline cost environment. If you recently moved, update your address with your insurer immediately. Failing to do so can result in claim denials.
BRZ Insurance vs. Other Subaru Models
Curious how the BRZ stacks up against the rest of the Subaru lineup? Here is a quick comparison:
| Subaru Model | Avg. Monthly (Full Coverage) | Compared to BRZ |
|---|---|---|
| BRZ | $131 to $215 | Baseline (most expensive Subaru) |
| WRX | $125 to $200 | Similar (also classified as sports car) |
| Impreza | $120 to $148 | 20% to 30% less |
| Crosstrek | $100 to $122 | 35% to 45% less |
| Forester | $110 to $142 | 25% to 35% less |
| Outback | $95 to $125 | 35% to 45% less |
The BRZ is the most expensive Subaru to insure, followed closely by the WRX. If insurance costs are a primary concern, the Crosstrek and Outback offer significantly lower premiums while still delivering the reliability and all wheel drive capability Subaru is known for.
Frequently Asked Questions About Subaru BRZ Insurance
The BRZ costs more to insure than a typical sedan or SUV, but it is actually one of the more affordable sports cars to cover. Full coverage averages between $1,571 and $2,580 per year. Among 115 sports cars, the BRZ ranks 30th for insurance affordability, meaning 29 sports cars cost less to insure. It is significantly cheaper than the Nissan Z, Toyota GR Supra, BMW M2, and many other performance vehicles. The key to keeping BRZ insurance manageable is comparing quotes from multiple companies, as rate differences between carriers can exceed $2,900 per year.
Young drivers pay significantly more. A 16 year old BRZ owner might pay between $2,804 and $6,167 per year, while an 18 year old can expect around $3,983 for a six month policy. The most effective strategies for young BRZ owners include staying on a parent's policy as a listed driver, maintaining a clean record, earning a good student discount, completing a driver education course, and choosing the base Premium trim with its lower MSRP.
Yes. Unlike most Subarus that come with standard all wheel drive, the BRZ is rear wheel drive only. Insurers view this as a higher traction loss risk, especially in states with winter weather. The effect is modest for most drivers, but if you live in a northern state with snow and ice, your BRZ premium may be slightly higher than it would be in a mild climate state. Using winter tires does not directly lower your rate, but it reduces your risk of filing a claim.
It depends on the modification. Performance upgrades like turbo kits, superchargers, exhaust systems, and engine tunes can increase your rate because they raise the car's power output and risk profile. Cosmetic changes like wheels, body kits, and wraps have less impact. The most important thing is to always disclose modifications to your insurer. Undisclosed modifications can result in denied claims. If your mods significantly increase the car's value, consider an agreed value policy to ensure full coverage.
No. Standard auto insurance policies exclude damage that occurs during organized racing, timed driving events, or track day sessions. If you take your BRZ to autocross events, track days, or time attack competitions, you need a separate track day insurance policy. Providers like Lockton Motorsports and Hagerty offer single event or annual track day coverage. A single session policy typically costs $150 to $400 depending on the event and your car's value.
GEICO and Safeco consistently offer some of the lowest average rates for BRZ owners. USAA is also very competitive if you qualify through military service. However, the cheapest company for you depends entirely on your individual profile. Factors like your age, location, driving record, and credit score shift which company offers the best rate. The only reliable way to find the lowest price is to compare at least three to five quotes from different carriers.
Get a Free Subaru BRZ Insurance Quote
Every BRZ owner’s situation is different. The only way to know your actual rate is to get a personalized quote based on your car, your driving history, and your location.
At AtoZInsuranceUSA, we help sports car owners across the country find the right coverage at a price that works. Whether you drive a brand new 2025 tS or a well loved 2015 Premium, we can help you compare options and find the best fit.