Subaru BRZ Insurance Cost for 2022

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 $1,916 per year for full coverage, which is about $160 each month. For individual policy coverages, collision coverage costs around $764 a year, liability and medical (or PIP) coverage is approximately $666, and the remaining comprehensive (or other-than-collision) coverage will cost approximately $486.

The following chart demonstrates how car insurance rates for the 2022 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 2022 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.Data last updated on June 24, 2022
Subaru BRZ Car Insurance Rates
Subaru BRZ Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,228$269
$500$3,774$315
$250$4,348$362
30$1,000$1,698$142
$500$2,008$167
$250$2,330$194
40$1,000$1,630$136
$500$1,916$160
$250$2,210$184
50$1,000$1,486$124
$500$1,742$145
$250$2,008$167
60$1,000$1,458$122
$500$1,708$142
$250$1,970$164

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 2022 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 $15,540 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 Coupe model at $1,882 per year, or about $157 per month. The most expensive model to insure is the Limited Coupe, costing an average of $64 more per year.

The rate table below shows average car insurance rates for different 2022 BRZ trim levels, in addition to a monthly budget estimate.

2022 Subaru BRZ Insurance Cost by Trim Level
Subaru BRZ Trim Level Annual Policy 6-month Policy Per Month
Premium Coupe$1,882$941$157
Limited Coupe$1,946$973$162

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Table Data Details: Average rates are for a 2022 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.Data last updated on June 24, 2022
Subaru BRZ Insurance Cost by Trim Level

How does BRZ insurance cost rank?

The Subaru BRZ ranks #8 out of 23 comparison vehicles in the 2022 sports car category. The BRZ costs an average of $1,916 per year for full coverage car insurance and the segment average cost is $2,152 per year, a difference of $236 per year.

When compared to other sports cars, auto insurance for a Subaru BRZ costs $308 more per year than the Ford Mustang, $254 less than the Dodge Challenger, $196 less than the Chevrolet Camaro, and $182 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 23 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 2022 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.Data last updated on June 24, 2022
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$1,322-$594
2Ford Mustang$1,608-$308
3BMW Z4$1,642-$274
4Subaru WRX$1,734-$182
5Toyota GR86$1,776-$140
6Toyota GR Supra$1,818-$98
7Audi TT$1,856-$60
8Subaru BRZ$1,916--
9Chevrolet Corvette$1,922$6
10BMW M3$1,974$58
11Porsche 718$2,064$148
12Chevrolet Camaro$2,112$196
13Lexus RC F$2,162$246
14Dodge Challenger$2,170$254
15Mercedes-Benz AMG GT53$2,202$286
16Jaguar F-Type$2,304$388
17Porsche Taycan$2,366$450
18Porsche 911$2,426$510
19BMW M4$2,428$512
20Lexus LC 500$2,514$598
21Acura NSX$2,948$1,032
22Audi R8$3,078$1,162
23Nissan GT-R$3,154$1,238

How much is Subaru BRZ car insurance for teenagers?

Average Subaru BRZ car insurance rates for teenagers are very expensive. Prices range from $4,774 for a 19-year-old female driver to a high of $6,858 for a 16-year-old male driver rated on a new 2022 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 $6,382 for males and $5,688 for females. Average insurance cost for an 18-year-old on a Subaru BRZ costs $5,954 for males and $5,160 for females.

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Chart Data Details: Teenage driver rates are for a 2022 model year Subaru BRZ with $500 physical damage deductibles. Rates are averaged across all U.S. states and all Subaru BRZ trim levels.Data last updated on June 24, 2022
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$6,858$6,382$5,954$5,374
Female$6,042$5,688$5,160$4,774

How much is insurance on a used BRZ?

Buying insurance for a 2013 BRZ instead of a 2022 model year will save around $780 annually. Even a 2017 BRZ will save $394 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 2022 model years. Costs range from the lowest rate of $1,016 for a 60-year-old driver rated on a 2013 or 2014 Subaru BRZ to the most expensive cost of $3,774 for a 20-year-old with a 2022 model year.

Subaru BRZ Insurance Cost for 2013-2022 Models
Model Year Driver Age 20 Age 30 Age 40 Age 50 Age 60
2022$3,774$2,008$1,916$1,742$1,708
2021$3,588$1,900$1,816$1,654$1,622
2020$3,528$1,864$1,784$1,626$1,592
2019$3,164$1,674$1,600$1,456$1,428
2018$3,140$1,662$1,590$1,450$1,422
2017$3,016$1,588$1,522$1,388$1,362
2016$2,680$1,422$1,358$1,238$1,214
2015$2,670$1,400$1,342$1,224$1,200
2014$2,210$1,172$1,124$1,026$1,004
2013$2,238$1,186$1,136$1,036$1,016

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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.Data last updated on June 24, 2022
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 $492 per year.
  • Being a safe driver saves money. Being the cause of frequent accidents will raise rates, possibly up to $872 per year for a 30-year-old driver and even $606 per year for a 50-year-old driver.
  • BRZ insurance for teenagers is expensive. Average rates for full coverage BRZ insurance costs $6,858 per year for a 16-year-old driver, $6,382 per year for a 17-year-old driver, and $5,954 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 ($1,708 per year) and a 20-year-old driver ($3,774 per year) is $2,066, or a savings of 54.7%.
  • Gender and age affect the rate you pay. For a 2022 Subaru BRZ, a 20-year-old man will pay an average rate of $3,774 per year, while a 20-year-old female driver pays an estimated $2,820, a difference of $954 per year in favor of the women by a long shot. But by age 50, the cost for a male driver is $1,742 and the rate for females is $1,708, a difference of only $34.
  • 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 $328 per year.