Subaru BRZ Insurance Cost for 2023

How much does insurance cost for a Subaru BRZ?

We compared average rate quotes from the Premium Coupe trim level up to the high end Limited Coupe model to discover how insurance rates for the BRZ compare to the entire 2023 sports car segment.

Start QuoteCompare BRZ car insurance rates and save on your next policy.

How much does Subaru BRZ insurance cost?

Subaru BRZ car insurance cost averages $2,128 per year for full coverage, which is about $177 each month. For individual policy coverages, collision coverage costs around $850 a year, liability and medical (or PIP) coverage is approximately $738, and the remaining comprehensive (or other-than-collision) coverage will cost approximately $540.

The following chart demonstrates how car insurance rates for the 2023 Subaru BRZ change based on the age of the rated driver and the policy deductibles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2023 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 December 30, 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$3,588$299
$500$4,196$350
$250$4,834$403
30$1,000$1,888$157
$500$2,232$186
$250$2,592$216
40$1,000$1,810$151
$500$2,128$177
$250$2,454$205
50$1,000$1,652$138
$500$1,934$161
$250$2,228$186
60$1,000$1,620$135
$500$1,896$158
$250$2,186$182

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 2023 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 $16,218 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 $2,090 per year, or about $174 per month. The most expensive model to insure is the Limited Coupe, costing an average of $72 more per year.

The rate table below shows average car insurance rates for different 2023 BRZ trim levels, in addition to a monthly budget estimate.

2023 Subaru BRZ Insurance Cost by Trim Level
Subaru BRZ Trim Level Annual Policy 6-month Policy Per Month
Premium Coupe$2,090$1,045$174
Limited Coupe$2,162$1,081$180

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 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 December 30, 2022
Subaru BRZ Insurance Cost by Trim Level

How does BRZ insurance cost rank?

The Subaru BRZ ranks 10th out of 26 comparison vehicles in the 2023 sports car category. The BRZ costs an average of $2,128 per year for full coverage car insurance and the segment average cost is $2,412 per year, a difference of $284 per year.

When compared to other sports cars, auto insurance for a Subaru BRZ costs $214 more per year than the Ford Mustang, $532 less than the Dodge Challenger, $182 less than the Chevrolet Camaro, and $180 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 26 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 2023 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 December 30, 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$1,630-$498
2Audi TT$1,828-$300
3Ford Mustang$1,914-$214
4BMW Z4$1,928-$200
5Subaru WRX$1,948-$180
6Nissan Z$1,978-$150
7Toyota GR Supra$2,010-$118
8Toyota GR86$2,034-$94
9BMW M2$2,036-$92
10Subaru BRZ$2,128--
11Chevrolet Corvette$2,176$48
12BMW M3$2,224$96
13Lexus RC F$2,270$142
14Porsche 718$2,272$144
15Chevrolet Camaro$2,310$182
16Mercedes-Benz AMG GT53$2,448$320
17Jaguar F-Type$2,534$406
18Porsche Taycan$2,590$462
19BMW M4$2,622$494
20Lexus LC 500$2,652$524
21Dodge Challenger$2,660$532
22Porsche 911$2,890$762
23Acura NSX$3,268$1,140
24Audi R8$3,378$1,250
25Mercedes-Benz SL 55$3,382$1,254
26Mercedes-Benz SL 63$3,600$1,472

How much is Subaru BRZ car insurance for teenagers?

Average Subaru BRZ car insurance rates for teenagers are very expensive. Prices range from $5,308 for a 19-year-old female driver to a high of $7,626 for a 16-year-old male driver rated on a new 2023 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 $7,096 for males and $6,322 for females. Average insurance cost for an 18-year-old on a Subaru BRZ costs $6,620 for males and $5,738 for females.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Teenage driver rates are for a 2023 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 December 30, 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$7,626$7,096$6,620$5,972
Female$6,714$6,322$5,738$5,308

How much is insurance on a used BRZ?

Buying insurance for a 2013 BRZ instead of a 2023 model year will save around $908 annually. Even a 2017 BRZ will save $496 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 2023 model years. Costs range from the lowest rate of $1,092 for a 60-year-old driver rated on a 2013 or 2014 Subaru BRZ to the most expensive cost of $4,196 for a 20-year-old with a 2023 model year.

Subaru BRZ Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2023 Subaru BRZ$4,196$2,128$1,896
2022 Subaru BRZ$4,106$2,078$1,856
2021 Subaru BRZ$3,920$1,982$1,772
2020 Subaru BRZ$3,876$1,958$1,750
2019 Subaru BRZ$3,436$1,736$1,552
2018 Subaru BRZ$3,412$1,722$1,538
2017 Subaru BRZ$3,232$1,632$1,458
2016 Subaru BRZ$2,892$1,466$1,308
2015 Subaru BRZ$2,818$1,422$1,268
2014 Subaru BRZ$2,356$1,196$1,074
2013 Subaru BRZ$2,398$1,220$1,092

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates for each driver age group are for a 12-month period and assume a 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 December 30, 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 $552 per year.
  • Being a safe driver saves money. Being the cause of frequent accidents will raise rates, possibly up to $970 per year for a 30-year-old driver and even $674 per year for a 50-year-old driver.
  • BRZ insurance for teenagers is expensive. Average rates for full coverage BRZ insurance costs $7,626 per year for a 16-year-old driver, $7,096 per year for a 17-year-old driver, and $6,620 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 ($1,896 per year) and a 20-year-old driver ($4,196 per year) is $2,300, or a savings of 54.8%.
  • Gender and age affect the rate you pay. For a 2023 Subaru BRZ, a 20-year-old man will pay an average rate of $4,196 per year, while a 20-year-old female driver pays an estimated $3,138, a difference of $1,058 per year in favor of the women by a long shot. But by age 50, the cost for a male driver is $1,934 and the rate for females is $1,896, 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 $362 per year.