Subaru BRZ Insurance Cost for 2021

How much does Subaru BRZ insurance cost? We compare rates for the Limited and Premium models to see how they rank against the sports car segment.

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How much does Subaru BRZ insurance cost?

Subaru BRZ car insurance cost averages $1,984 per year for full coverage, which is about $165 each month. For individual policy coverages, collision coverage costs around $874 a year, liability and medical (or PIP) coverage is approximately $652, and the remaining comprehensive (or other-than-collision) coverage will cost approximately $458.

The following chart demonstrates how car insurance rates for the 2021 Subaru BRZ change based on the age of the rated driver and the policy deductibles.

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Chart Data Details: Chart shows average insurance cost for a 2021 Subaru BRZ with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Subaru BRZ trim levels.
Subaru BRZ Car Insurance Rates
Subaru BRZ Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,370$281
$500$3,962$330
$250$4,586$382
30$1,000$1,758$147
$500$2,088$174
$250$2,432$203
40$1,000$1,682$140
$500$1,984$165
$250$2,300$192
50$1,000$1,536$128
$500$1,810$151
$250$2,094$175
60$1,000$1,510$126
$500$1,776$148
$250$2,056$171

To give you a better understanding of the full range of possible rates, keep in mind that a policy with only liability coverage for a 2021 Subaru BRZ in some parts of Wisconsin or Maine can be as cheap as $237 a year.

For the same vehicle, a average insurance cost for a 16-year-old with a few speeding tickets in some areas in Pennsylvania could get a bill for $16,136 a year for a policy that provides full coverage.

Is BRZ Limited or Premium insurance cheaper?

The Limited Automatic Coupe is the cheapest BRZ trim to insure at an average of $1,962 per year. The second cheapest trim level to insure is the Limited Coupe at $1,962 per year. The Premium Coupe trim level costs an average of $2,008 per year, the most expensive model.

The rate table below shows average car insurance rates for different 2021 BRZ trim levels, in addition to a monthly budget estimate.

Subaru BRZ Insurance Cost by Trim Level
Subaru BRZ Trim Level Annual Policy 6-month Policy Per Month
Limited Automatic Coupe$1,962$981$164
Limited Coupe$1,962$981$164
Limited Performance Coupe$2,008$1,004$167
Premium Coupe$2,008$1,004$167

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2021 Subaru BRZ, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.
Subaru BRZ Insurance Cost by Trim Level

How does BRZ insurance cost rank?

The Subaru BRZ ranks #9 out of 18 comparison vehicles in the 2021 sports car category. The BRZ costs an average of $1,984 per year for full coverage car insurance and the segment average cost is $2,212 per year, a difference of $228 per year.

When compared to other sports cars, auto insurance for a Subaru BRZ costs $286 more per year than the Ford Mustang, $96 less than the Dodge Challenger, $20 less than the Chevrolet Camaro, and $184 more than the Subaru WRX.

The chart below shows how average car insurance rates for a BRZ compare to the more popular sports cars in America. After the chart, all 18 models in the sports car segment are ranked for insurance affordability and compared to the average insurance cost of the Subaru BRZ.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2021 model year Subaru BRZ, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Subaru BRZ trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.
Subaru BRZ vs Top 10 Sports Cars Insurance Rate Comparison
Subaru BRZ Insurance Cost Compared to All Sports Cars
Rank Make/Model Insurance Cost Difference
1Mazda MX-5 Miata$1,388-$596
2Ford Mustang$1,698-$286
3Audi TT$1,708-$276
4Subaru WRX$1,800-$184
5Toyota Supra$1,812-$172
6Porsche 718$1,876-$108
7Nissan 370Z$1,892-$92
8Chevrolet Corvette$1,946-$38
9Subaru BRZ$1,984--
10Chevrolet Camaro$2,004$20
11Dodge Challenger$2,080$96
12Jaguar F-Type$2,336$352
13Lexus LC 500$2,500$516
14Porsche 911$2,592$608
15BMW i8$2,826$842
16Acura NSX$2,940$956
17Audi R8$3,170$1,186
18Nissan GT-R$3,272$1,288

How much is Subaru BRZ car insurance for teenagers?

Average Subaru BRZ car insurance rates for teenagers are very expensive. Prices range from $5,036 for a 19-year-old female driver to a high of $7,194 for a 16-year-old male driver rated on a new 2021 model.

The chart below details BRZ insurance cost for both male and female drivers age 16 through 19. For 17-year-old drivers, BRZ insurance costs an average of $6,712 for males and $5,974 for females. Average insurance cost for an 18-year-old on a Subaru BRZ costs $6,264 for males and $5,436 for females.

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Chart Data Details: Teenage driver rates are for a 2021 Subaru BRZ with $500 physical damage deductibles. Rates are averaged across all U.S. states and all vehicle trim levels.
Subaru BRZ Car Insurance Rates for Teenagers
Subaru BRZ Insurance Cost for Teenage Drivers
Teen Driver Gender Age 16 Age 17 Age 18 Age 19
Male$7,194$6,712$6,264$5,660
Female$6,336$5,974$5,436$5,036

How much is insurance on a used BRZ?

Buying insurance for a 2013 BRZ instead of a 2021 model year will save around $750 annually. Even a 2017 BRZ will save $328 each year over the cost of insuring new.

The data below details average Subaru BRZ car insurance costs for various driver age groups for the 2013 to 2021 model years. Costs range from the lowest rate of $1,104 for a 60-year-old driver rated on a 2013 or 2014 Subaru BRZ to the most expensive cost of $3,962 for a 20-year-old with a 2021 model year.

Subaru BRZ Insurance Cost for 2013-2021 Models
Model Year Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50 Driver Age 60
2021$3,962$2,088$1,984$1,810$1,776
2020$3,876$2,038$1,938$1,768$1,736
2019$3,466$1,824$1,736$1,584$1,554
2018$3,496$1,838$1,750$1,596$1,566
2017$3,312$1,736$1,656$1,512$1,484
2016$3,050$1,600$1,524$1,390$1,364
2015$2,768$1,450$1,384$1,264$1,240
2014$2,452$1,292$1,232$1,124$1,104
2013$2,446$1,292$1,234$1,124$1,104

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.
Subaru BRZ Insurance Cost by Model Year

Additional rates and insights

A few additional observations as they relate to insurance cost on a Subaru BRZ include:

  • Driving violations increase insurance rates. To get the cheapest BRZ car insurance rates, it’s necessary to be a good, safe driver. Not surprisingly, just a couple of moving violations could increase insurance rates by up to $528 per year.
  • Being a safe driver saves money. Being the cause of frequent accidents will raise rates, possibly up to $930 per year for a 30-year-old driver and even $652 per year for a 50-year-old driver.
  • BRZ insurance for teenagers is expensive. Average rates for full coverage BRZ insurance costs $7,194 per year for a 16-year-old driver, $6,712 per year for a 17-year-old driver, and $6,264 per year for a 18-year-old driver.
  • Older drivers tend to pay less than younger drivers. The difference in BRZ auto insurance rates between a 60-year-old driver ($1,776 per year) and a 20-year-old driver ($3,962 per year) is $2,186, or a savings of 55.2%.
  • Gender and age affect the rate you pay. For a 2021 Subaru BRZ, a 20-year-old man will pay an average rate of $3,962 per year, while a 20-year-old female driver pays an estimated $2,932, a difference of $1,030 per year in favor of the women by a long shot. But by age 50, the cost for a male driver is $1,810 and the rate for females is $1,772, a difference of only $38.
  • Policy discounts save money. Discounts may be available if the insured drivers have multiple vehicles on the same policy, sign their policy early, are loyal customers, drive low annual mileage, belong to certain professional organizations, or many other policy discounts which could save the average driver as much as $336 per year.