- Subaru BRZ insurance costs an average of $2,272 per year or around $189 per month, depending on the trim level.
- The cheapest BRZ trim level to insure is the Premium at around $2,208 per year, and the most expensive trim being the tS at $2,332 annually.
- When compared to other sports cars, the Subaru BRZ is one of the cheaper sports cars to insure, costing $339 less per year on average.
How much does Subaru BRZ insurance cost?
Subaru BRZ car insurance cost averages $2,272 per year for full coverage, which is about $189 each month. For individual policy coverages, collision coverage costs around $738 a year, liability and medical (or PIP) coverage is approximately $856, and the remaining comprehensive (or other-than-collision) coverage will cost approximately $678.
The following chart demonstrates how car insurance rates for the 2024 Subaru BRZ change based on the age of the rated driver and the policy deductibles.
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 2024 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 Philadelphia could get a bill for $16,521 a year for a policy that provides full coverage.
Is BRZ Limited or Premium insurance cheaper?
The cheapest Subaru BRZ insurance is on the Premium model at $2,208 per year, or about $184 per month. The most expensive model to insure is the tS, costing an average of $124 more per year.
The rate table below shows average car insurance rates for different 2024 BRZ trim levels, in addition to a monthly budget estimate.
| 2024 Subaru BRZ Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Premium | $2,208 | $184 |
| Limited | $2,272 | $189 |
| tS | $2,332 | $194 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated February 23, 2024
How does BRZ insurance cost rank?
The Subaru BRZ ranks 10th out of 23 comparison vehicles in the 2024 sports car category. The BRZ costs an average of $2,272 per year for full coverage car insurance and the segment average cost is $2,611 per year, a difference of $339 per year.
When compared to other sports cars, auto insurance for a Subaru BRZ costs $172 less per year than the Porsche 718, $274 more than the Toyota GR86, $186 more than the Ford Mustang, and $574 less than the Lexus LC 500.
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 23 models in the sports car segment are ranked for insurance affordability and compared to the average insurance cost of the Subaru BRZ.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Mazda MX-5 Miata | $1,754 | -$518 |
| 2 | Toyota GR86 | $1,998 | -$274 |
| 3 | Ford Mustang | $2,086 | -$186 |
| 4 | BMW Z4 | $2,096 | -$176 |
| 5 | Subaru WRX | $2,130 | -$142 |
| 6 | Toyota GR Supra | $2,132 | -$140 |
| 7 | BMW M2 | $2,196 | -$76 |
| 8 | Nissan Z | $2,200 | -$72 |
| 9 | Lexus RC F | $2,244 | -$28 |
| 10 | Subaru BRZ | $2,272 | -- |
| 11 | BMW M3 | $2,398 | $126 |
| 12 | Porsche 718 | $2,444 | $172 |
| 13 | Chevrolet Camaro | $2,468 | $196 |
| 14 | Chevrolet Corvette | $2,628 | $356 |
| 15 | Porsche 911 | $2,720 | $448 |
| 16 | BMW M4 | $2,832 | $560 |
| 17 | Lexus LC 500 | $2,846 | $574 |
| 18 | Jaguar F-Type | $2,994 | $722 |
| 19 | Mercedes-Benz AMG GT53 | $3,142 | $870 |
| 20 | Porsche Taycan | $3,214 | $942 |
| 21 | Mercedes-Benz SL 55 | $3,660 | $1,388 |
| 22 | Nissan GT-R | $3,694 | $1,422 |
| 23 | Mercedes-Benz SL 63 | $3,898 | $1,626 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2024 model year. Updated February 23, 2024
How much is Subaru BRZ car insurance for teenagers?
Average Subaru BRZ car insurance rates for teenagers are very expensive. Prices range from $5,190 for a 19-year-old female driver to a high of $7,862 for a 16-year-old male driver rated on a new 2024 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 $7,545 for males and $7,287 for females. Average insurance cost for an 18-year-old on a Subaru BRZ costs $6,642 for males and $6,200 for females.
How much is insurance on a used BRZ?
Buying insurance for a 2013 BRZ instead of a 2024 model year will save around $1,066 annually. Even a 2017 BRZ will save $636 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 2024 model years. Costs range from the lowest rate of $1,008 for a 60-year-old driver rated on a 2013 or 2014 Subaru BRZ to the most expensive cost of $4,400 for a 20-year-old with a 2024 model year.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2024 Subaru BRZ | $4,400 | $2,272 | $1,892 |
| 2023 Subaru BRZ | $4,432 | $2,222 | $1,848 |
| 2022 Subaru BRZ | $4,338 | $2,172 | $1,808 |
| 2021 Subaru BRZ | $4,144 | $2,070 | $1,722 |
| 2020 Subaru BRZ | $4,026 | $2,014 | $1,678 |
| 2019 Subaru BRZ | $3,550 | $1,772 | $1,478 |
| 2018 Subaru BRZ | $3,454 | $1,732 | $1,444 |
| 2017 Subaru BRZ | $3,274 | $1,636 | $1,366 |
| 2016 Subaru BRZ | $2,854 | $1,440 | $1,202 |
| 2015 Subaru BRZ | $2,786 | $1,388 | $1,160 |
| 2014 Subaru BRZ | $2,340 | $1,182 | $988 |
| 2013 Subaru BRZ | $2,382 | $1,206 | $1,008 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Subaru BRZ trim levels for each model year. Updated February 23, 2024
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 $576 per year.
- Being a safe driver saves money. Being the cause of frequent accidents will raise rates, possibly up to $1,046 per year for a 30-year-old driver and even $670 per year for a 50-year-old driver.
- BRZ insurance for teenagers is expensive. Average rates for full coverage BRZ insurance costs $7,862 per year for a 16-year-old driver, $7,545 per year for a 17-year-old driver, and $6,642 per year for an 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 ($1,892 per year) and a 20-year-old driver ($4,400 per year) is $2,508, or a savings of 79.7%.
- Gender and age affect the rate you pay. For a 2024 Subaru BRZ, a 20-year-old man will pay an average rate of $4,400 per year, while a 20-year-old female driver pays an estimated $3,234, a difference of $1,166 per year in favor of the women by a long shot. But by age 50, the cost for a male driver is $2,032 and the rate for females is $1,974, a difference of only $58.
- 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 $386 per year.