Is a BRZ expensive to insure?

Compared to other vehicles, the BRZ is more expensive to insure, but it is typically cheaper than many other sports cars. In comparison, the BRZ costs $3,151 per year for full coverage, which is 17 percent more than national average rates. However, car insurance is a personalized product and your cost could be higher or lower based on several rating factors.

Are older cars cheaper to insure?

Insuring an older model BRZ can be cheaper due to the type of coverage most drivers carry for an older car. Once the actual cash value of a vehicle no longer warrants keeping comprehensive and collision coverage, many drivers choose to have liability-only coverage, which can be much cheaper than a full coverage policy. Additionally, as a vehicle ages, parts can become more readily available and cheaper, which can also slightly lower insurance costs.

What does the Z in BRZ stand for?

BRZ stands for boxer engine, rear-wheel drive and zenith, which represents Subaru's signature engine layout, the car's drivetrain and its peak performance. Zenith means the highest point or pinnacle of success. In the context of the Subaru BRZ, zenith symbolizes the car's goal of delivering the ultimate expression of driving enjoyment.

Car Insurance for Subaru BRZ

How much does it cost to insure a BRZ?

Insurance costs for a Subaru BRZ average $3,151 per year for full coverage, according to data from Quadrant Information Services. For drivers who pay their insurance in installments, this works out to $263 per month.

Your Subaru BRZ insurance costs could land above or below the national average depending on personal rating factors like your driving history, ZIP code and the coverage you select. Another key factor is your trim level. Higher trims often cost more to insure because they come with more advanced features and higher repair or replacement costs.

$3,151 Avg annual full coverage
insurance premium

$797 Avg annual min coverage
insurance premium

Manufacturer’s suggested retail price (MSRP): $33,210

Trims available: The 2025 BRZ is available in Premium, Limited and tS

Repair costs

According to RepairPal, the BRZ averages around $672 per year in maintenance and repair, which aligns with the national average repair costs. Since parts and labor costs influence insurance premiums, these moderate expenses can help keep your rates from spiking too high.

Safety features

Equipped with a rearview camera, stability control, airbags and optional EyeSight driver-assist tech, the BRZ carries practical safety tech. These features can reduce insurance costs by mitigating the risk of accidents.

Crash ratings

The 2022 and 2023 Subaru BRZ models were the Insurance Institute for Highway Safety’s Top Safety Pick in the small category. And the 2025 model earned a score of “Good” in almost every category. Top safety features can work in your favor in terms of insurance costs.

Cheapest car insurance companies for a BRZ

After buying a shiny new sports car, thoughts of saving money aren’t far behind. However, car insurance may not be the best place to cut corners. When it comes to finding cheap car insurance rates for your Subaru BRZ, looking for auto discounts and shopping around can help you find a rate that fits your budget without sacrificing the coverage you need.

Insurance companies use different formulas to assess risk, which is why rates for the same vehicle can vary widely from one carrier to another. To make your search easier, we’ve gathered average rates from top insurers so you can compare options and start your car insurance shopping with confidence.

How much does it cost to insure my BRZ?

The following rate estimates are a solid starting point, but for the most accurate pricing, be sure to get personalized Subaru BRZ insurance quotes from an insurance agent or broker.

2023 BRZ car insurance premium by carrier


Auto-Owners	$2,104	-1047
Geico	$2,500	-651
Plymouth Rock	$2,990	-161
Progressive	$2,253	-898
USAA	$2,319	-832

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Powered by Coverage.com (NPN: 19966249)

Advertising disclosure

This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Other car insurance coverage for a BRZ

For a new Subaru BRZ, minimum state-required coverage may not be enough to protect your vehicle financially. While it might be tempting to go with the cheapest policy, bare-bones coverage doesn’t pay out to replace or repair your car if you are at fault for an accident. To help protect your finances, consider adding these coverage options to your policy:

Comprehensive coverage: This coverage can help pay for damage to your BRZ from theft, vandalism, fire or sudden natural disasters.
Collision coverage: This coverage pays for repairs to your vehicle after an accident, regardless of who’s at fault.
Gap insurance: This type of insurance can cover the difference between what you owe on your loan or lease, and your car's actual cash value if it's deemed a total loss from a covered claim.

How to get a BRZ car insurance quote

You can get an insurance quote for your car online, over the phone or in person, depending on the insurer. If you're in the market for a new vehicle, comparing quotes before you sign on the dotted line can help you determine how different models would fit into your budget. Here’s a step-by-step guide to gathering and comparing quotes:

Gather personal details: You’ll likely be asked to provide your name, address, date of birth and driver’s license number, as well as the make, model and year of your car — and potentially the vehicle identification number (VIN). If you haven't purchased a car yet, you may be able to get sample quotes by providing an agent with the make and model.
Use online quote tools: To expedite the process of shopping around, you might consider using comparison websites or apps that allow you to get quotes from multiple insurers at once. Alternatively, go directly to insurance company websites and use their online quote tools to receive personalized quotes.
Provide driver details and mileage: You could be asked for specific details about your vehicle, including add-on features or modifications. You might also need to provide your average annual mileage and how the vehicle is primarily used (e.g., for business purposes or personal use). Additionally, you’ll need to provide accurate information about all drivers who will be covered by the policy, including their driving history, age and relationship to you.
Review quotes: Compare the quotes you receive, paying attention to coverage options, limits, deductibles and overall cost. Insurance experts also recommend reviewing customer service scores, financial strength ratings, digital tools and customer reviews to get a holistic view of how a carrier will meet your needs.
Select carrier and apply: Choose the insurance policy that best fits your needs and budget. Complete the application process by providing any additional required information and making your first premium payment.

Compare BRZ with other similar cars

Subaru BRZ Avg annual full coverage premium $3,151 Read More	Mini Convertible Avg annual full coverage premium $2,535 See more models	Ford Mustang Avg annual full coverage premium $3,544 Read More
Price (MSRP)
$33,210	$26,125	$31,920
NHTSA Safety rating The NHTSA uses a 5-star rating program to evaluate how vehicles perform in crash tests based on frontal, side and rollover collisions.
4 stars	4 stars	5 stars
Gas mileage
25 city/highway combined mpg	32 city/highway combined mpg	26 city/highway combined mpg
IIHS/HLDI Collision insurance losses The IIHS and HLDI collect data on how insurance losses for specific models compare to the average for all passenger vehicles. These results are adjusted for deductible and specifically for collision claim losses.
Average	Better than average	Substantially worse than average

Frequently asked questions

Compared to other vehicles, the BRZ is more expensive to insure, but it is typically cheaper than many other sports cars. In comparison, the BRZ costs $3,151 per year for full coverage, which is 17 percent more than national average rates. However, car insurance is a personalized product and your cost could be higher or lower based on several rating factors.
Insuring an older model BRZ can be cheaper due to the type of coverage most drivers carry for an older car. Once the actual cash value of a vehicle no longer warrants keeping comprehensive and collision coverage, many drivers choose to have liability-only coverage, which can be much cheaper than a full coverage policy. Additionally, as a vehicle ages, parts can become more readily available and cheaper, which can also slightly lower insurance costs.
BRZ stands for boxer engine, rear-wheel drive and zenith, which represents Subaru's signature engine layout, the car's drivetrain and its peak performance. Zenith means the highest point or pinnacle of success. In the context of the Subaru BRZ, zenith symbolizes the car's goal of delivering the ultimate expression of driving enjoyment.

Bankrate utilizes Quadrant Information Services to analyze November 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.