We compared the average rate quotes for the Premium Coupe trim level to the top-of-the-line Limited Coupe model to see how BRZ's insurance rates compare to the rest of the 2023 sports car segment.
Full coverage insurance for a Subaru BRZ costs an average of $1926, or about $198 per month. For an individual policy, collision coverage costs about $850 a year, liability and medical coverage (or PIP) costs about $738, and comprehensive coverage (other than collision) costs about $540.
The average insurance cost for a Subaru BRZ is $1926, a little more than the average cost for a car in the United States, which is $1557. The average price for this car model is about $369 more than the average price for all models. But the price is still less than most people pay for a luxury car.
Regarding insurance, older versions of the Subaru BRZ cost less. The value of a car goes down over time, which means that collision and comprehensive insurance rates go down. The 2016 Subaru BRZ costs an average of $1503 per year, while the 2020 model costs an average of $282 more, at $1785 per year.
Each model year has a different rate from an insurance company. The company that charges the least for a 2020 Subaru BRZ is USAA, which costs an average of $1203 annually.
| Insurance company | Average Annual Cost |
|---|---|
| USAA | $1203 |
| Progressive | $1227 |
| State Farm | $1629 |
| Nationwide | $1659 |
| Allstate | $1980 |
| Allied | $2103 |
To get a better idea of the full range of possible rates, remember that a 2023 Subaru BRZ policy with only liability coverage can cost as little as $237 a year in some parts of Wisconsin or Maine.
The average cost of BRZ insurance for a 17-year-old male driver is $7110, and for a 17-year-old female driver, it is $6339. For a male 18-year-old driving a Subaru BRZ, average insurance costs $6639; for a female, it costs $5757.
If you buy insurance for a 2013 BRZ instead of one from 2023, you'll save about $918 per year. Even a 2017 BRZ will save $522 a year compared to what it would cost to insure it brand new.
The table below shows how much the average Subaru BRZ car insurance costs for different age groups of drivers from 2013 to 2023.
The least expensive rate is for a 60-year-old driver with a 2013 or 2014 Subaru BRZ, costing $1110. The most expensive rate is for a 20-year-old driver with a 2023 model year, costing $4209.
Pick your model from the list below to see how much insurance costs from each company.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2023 Subaru BRZ | $4209 | $2151 | $1899 |
| 2022 Subaru BRZ | $4119 | $2088 | $1872 |
| 2021 Subaru BRZ | $3945 | $1989 | $1779 |
| 2020 Subaru BRZ | $3891 | $1965 | $1770 |
| 2019 Subaru BRZ | $3450 | $1755 | $1566 |
| 2018 Subaru BRZ | $3438 | $1740 | $1548 |
| 2017 Subaru BRZ | $3252 | $1650 | $1467 |
| 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 |
Full coverage car insurance for the BRZ costs an average of $2169 per year, while the average cost for the segment is $2448 per year. This is a difference of $279 per year.
Compared to other sports cars, the Subaru BRZ costs $214 more per year to insure than the Ford Mustang, $532 less than the Dodge Challenger, $182 less than the Chevrolet Camaro, and $180 more than the Subaru WRX.
The table below shows how the average cost of car insurance for a BRZ compares to that for some of America's most popular sports cars.
| Make/Model | Insurance Cost |
|---|---|
| Mazda MX-5 Miata | $1323 |
| Audi TT | $3365 |
| Ford Mustang | $1163 |
| BMW Z4 | $1650 |
| Subaru WRX | $1338 |
| Nissan Z | $1989 |
| Toyota GR Supra | $2022 |
| Toyota GR86 | $2055 |
| BMW M2 | $1818 |
| Subaru BRZ | $1926 |
| Chevrolet Corvette | $2093 |
| BMW M3 | $1989 |
| Lexus RC F | $2148 |
| Porsche 718 | $2313 |
| Chevrolet Camaro | $1794 |
| Mercedes-Benz AMG GT53 | $2472 |
| Jaguar F-Type | $2559 |
| Porsche Taycan | $3755 |
| BMW M4 | $2439 |
| Lexus LC 500 | $1512 |
| Dodge Challenger | $2088 |
| Porsche 911 | $3600 |
| Acura NSX | $3306 |
| Audi R8 | $4907 |
| Mercedes-Benz SL 55 | $3399 |
| Mercedes-Benz SL 63 | $3618 |
The table below shows how the car insurance rates for a 2023 Subaru BRZ change depending on how old the driver is and how much the policy deductible is.
The Premium Coupe model of the Subaru BRZ has the least expensive insurance at $2109 per year or about $198 per month. The Limited Coupe costs an average of $93 more annually to insure than the other models.
In the table below, you can see the average cost of car insurance for different 2023 BRZ trim levels and an estimate of how much you'll spend each month.
| Subaru BRZ Trim Level | Annual Policy | 6-month Policy | Per Month |
|---|---|---|---|
| Premium Coupe | $2109 | $1065 | $198 |
| Limited Coupe | $2202 | $1119 | $213 |
The insurance cost for a Subaru BRZ varies from state to state because of state laws, past claims, medical costs, repair costs, and other things. Michigan is the state where Subaru BRZ insurance costs the most.
| State | Annual Rates |
|---|---|
| Alabama | $2,213 |
| Alaska | $2,126 |
| Arizona | $2,556 |
| Arkansas | $2,121 |
| California | $3,466 |
| Colorado | $2,958 |
| Connecticut | $2,468 |
| Delaware | $2,660 |
| Florida | $3,489 |
| Georgia | $1,997 |
| Hawaii | $1,583 |
| Idaho | $2,044 |
| Illinois | $1,559 |
| Indiana | $2,543 |
| Iowa | $1,929 |
| Kansas | $2,454 |
| Kentucky | $3,047 |
| Louisiana | $3,180 |
| Maine | $2,538 |
| Maryland | $2,600 |
| Massachusetts | $1,278 |
| Michigan | $3,577 |
| Minnesota | $2,233 |
| Mississippi | $2,434 |
| Missouri | $2,553 |
| Montana | $2,669 |
| Nebraska | $1,902 |
| Nevada | $1,954 |
| New Hampshire | $2,692 |
| New Jersey | $1,776 |
| New Mexico | $2,520 |
| New York | $1,988 |
| North Carolina | $2,678 |
| North Dakota | $2,471 |
| Ohio | $1,588 |
| Oklahoma | $2,181 |
| Oregon | $1,892 |
| Pennsylvania | $2,490 |
| Rhode Island | $2,424 |
| South Carolina | $1,906 |
| South Dakota | $2,305 |
| Tennessee | $2,096 |
| Texas | $2,948 |
| Utah | $1,995 |
| Vermont | $1,802 |
| Virginia | $1,643 |
| Washington | $1,676 |
| West Virginia | $2,041 |
| Wisconsin | $2,037 |
| Wyoming | $2,181 |
Way.com says that if you want a sports car that costs less than $30,000, you should consider the Subaru BRZ. Even though the plastic materials inside the car might feel cheap, you should still go cheap on car insurance.
Way.com gives you a head start by analyzing the best car insurance companies in the country based on criteria that will affect your insurance coverage experience, financial strength, customer service, protection, and price. You can quickly and easily compare insurance quotes from over 200 companies on our platform to find the best deal for your Subaru BRZ.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
The average insurance cost for a Subaru BRZ is $1926, a little more than the average cost for a car in the United States, which is $1557. The average price for this car model is about $369 more than the average price for all models. But the price is still less than most people pay for a luxury car.
The average insurance cost for a Subaru BRZ is $1926, a little more than the average cost for a car in the United States, which is $1557.
If you want a sports car that costs less than $30,000, you should consider the Subaru BRZ. Even though the plastic materials inside the car might feel cheap, you should still go cheap on car insurance.
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