Subaru BRZ Insurance Rates

Oftentimes, the thought of searching for the right policy on your vehicle can seem exhausting. We are here to simplify this process by walking you through how Subaru BRZ insurance costs are determined so you can find a cheap rate.

This comprehensive guide has everything you need to know, such as the size and class of this model, the BRZ’s safety features, its MSRP value, and repair estimates for the sports car.

Let’s dive into this information so you can be well educated on the type of insurance policy that is best for you. Once you’re ready, enter your ZIP code in the box above to start comparing quotes.

The average auto insurance rates for a Subaru BRZ are $1,252 annually including full coverage. Comprehensive costs approximately $282, collision costs $450, and liability insurance is estimated at $384. A liability-only policy costs approximately $432 a year, with high-risk insurance costing around $2,692. 16-year-old drivers cost the most to insure at $4,630 a year or more.

Average premium for full coverage: $1,252

Policy rates by type of insurance:

Rates are based on $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for all BRZ models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than congested cities.

The example below illustrates how location helps determine auto insurance prices.

The examples above highlight why everyone should get quotes using their specific location and their own personal driving habits, rather than relying on rate averages.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below breaks down estimated Subaru BRZ insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $724
• Choosing higher $1,000 deductibles can save $168 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,252
• Buying pricier low deductibles for comp and collision coverage will cost $1,572
• High-risk insureds with multiple tickets or accidents could pay around $2,692 or more
• Policy cost with full coverage for a teen driver for full coverage can cost $4,630 each year

View Chart as Image

Car insurance rates for a Subaru BRZ also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged in the ballpark of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,000 extra every year, depending on your age. Subaru BRZ insurance for high-risk drivers ranges anywhere from 43% to 134% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $490 each year, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $345 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Subaru BRZ insurance rates. A good driver about age 40 could pay as low as $960 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,780 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to regularly compare rates from as many companies as possible. Each auto insurer utilizes a different rate formula, so rate quotes will be varied between companies.

How to Buy the Best Cheap Subaru BRZ Insurance

Finding cheaper rates on Subaru BRZ insurance takes being a safe and courteous driver, having a good credit score, paying for small claims out-of-pocket, and avoiding coverage lapses. Invest time comparing rates every other policy renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below is a quick review of the ideas that were covered in the charts and tables above.

• Teenage drivers pay the highest auto insurance rates, with premiums being up to $386 each month if comprehensive and collision insurance is included
• High-risk drivers with a DUI or reckless driving violation may have to pay on average $1,440 more per year for auto insurance
• Increasing comprehensive and collision deductibles could save up to $500 each year
• You may be able to save around $150 per year simply by quoting online well ahead of the renewal date

By now you are starting to see how even though the Subaru BRZ is one specific model, the insurance rates for the vehicle can vary based on the profile of the policyholder. For example, BRZ drivers who live in large cities pay $1,801 for six months of coverage while their rural counterparts pay $1,001.

How does the size and class of the Subaru BRZ affect liability rates?

The most basic form of insurance that all drivers are required to carry is liability car insurance. This is regulated at the state level, so the minimum amount of liability coverage you are required to carry depends on where you live.

Another way you can figure out how much insurance will cost for your model is by taking a look at its size and class. The Insurance Institute for Highway Safety (IIHS) identifies the Subaru BRZ as a small two-door car, so the amount of money you pay for insurance depends on the overall safety of this vehicle class.

Generally speaking, larger models such as SUVs are considered to be safer than smaller cars like the Subaru BRZ. Since SUVs are heavier, the passengers inside the vehicle are not at a high risk of serious injury in the event of a crash.

As a smaller two-door car, the Subaru BRZ is not as heavy as an SUV. But the vehicle still plays its part to protect the occupants inside the vehicle with advanced technology, which we will examine later in the article.

What does liability insurance cost for a Subaru BRZ?

Now that you have an understanding of how liability rates are determined, we will examine how much you can expect to pay for insurance on the Subaru BRZ model.

Bodily injury liability coverage is the first of two types of insurance you are required to carry. This will pay for lost wages, medical expenses, and emergency services for the other party if you caused an accident.

The following general quotes will show a breakdown of how much bodily injury liability costs for the Subaru BRZ based on six months of coverage.

• Low ($25,000): $109.36
• Medium ($50,000): $132.38
• High ($100,000): $145.26

The second type of coverage you are required to carry is called property damage liability insurance. This will pay for damages to the other party’s property after an accident that was deemed your fault.

Take a look at the following general quotes to see how much you can expect to pay for property damage liability insurance for six months of coverage.

• Low ($25,000): $122.21
• Medium ($50,000): $120.83
• High ($100,000): $124.69

After reviewing these ballpark figures, you can see that bodily injury quotes vary based on coverage level while property damage rates stay mostly the same. 

If you are trying to get the most amount of coverage for the least amount of money, it would be wise to be mindful of how the two different types of liability coverage are priced differently.

What are the safety features and ratings of the Subaru BRZ?

Since small cars are at a greater disadvantage in the event of a crash, automakers upgrade the security of these models with essential safety features.

In the case of the Subaru BRZ, AutoBlog.com reports that the two-door car has the following list of safety features installed that help its overall safety rating.

• Anti-Lock Brakes – Also known as ABS, these brakes have sensors that detect when the tire(s) have stopped moving when extreme braking occurs. The ABS system will modify pressure allowing the tire(s) to continue rotating safely.
• Front-Impact Airbags – This feature serves to protect the heads of the driver and passengers during a front-end crash.
• Stability Control – This feature automatically senses when the van’s handling limits have been exceeded and reduces engine power and applies select brakes to help prevent the driver from losing control.
• Pretensioners – This feature automatically tightens the seatbelts to place the occupant in the optimal seating position during a collision.
• Anti-Theft Security – This technology anticipates and detects unwanted vehicle intrusion. The vehicle is equipped with an ignition-disable device that will prevent the engine from starting if the correct original manufacturer key is not used.

After reviewing these features, you might be wondering how these translate to actual safety scores. The National Highway Traffic Safety Administration (NHTSA) gives the Subaru BRZ four out of five for an overall front star rating.

No matter how safe a vehicle is made, road fatalities still occur due to the dangerous nature of driving. Insurance companies will review data surrounding how many fatalities occur for particular vehicle types when calculating rates for potential policyholders.

The IIHS reports that out of 7,965,422 registered cars that are similar to the Subaru BRZ, a total of 427 deaths have resulted. This equates to a fatality rate of 54 per one million registered people, whereas the average for all vehicle types is 36 per million.

Some crashes are more fatal than others, which is why automakers spend time making certain parts of the vehicle as safe as possible. Take a look at the following statistics that show fatalities based on the impact point of the crash.

• Frontal Impact: 7,433 deaths  
• Side Impact: 3,568 deaths 
• Rear Impact: 834 deaths
• Other (mostly rollovers): 1,303 deaths

As you can see, frontal impact crashes are the most fatal type of accident occurring on the road today. That is why front airbags are standard across all vehicles, and automakers are constantly improving safety technology.

What is the MSRP of the Subaru BRZ?

If you want to know how much insurance is going to cost on your car, you will need to know the value of your model. 

We can figure out how much the Subaru BRZ is worth by taking a look at the Manufacturer’s Suggested Retail Price (MSRP) from Kelly Blue Book (KBB).

KBB reported that the MSRP for a 2020 Subaru BRZ Limited is $29,745 with a fair market value range between $27,101 to $29,002.

If you need a few reasons to help push you in the right direction towards buying a BRZ, check out the following video.

It’s important to keep this figure in mind when thinking about insurance coverage that is designed to protect your vehicle. The two most basic forms of insurance that will pay for repairs on your car are called collision and comprehensive coverage.

• Collision car insurance is a type of coverage that will pay for any costs associated with repairing or even replacing your vehicle if it gets damaged after colliding with another car or object.
• Comprehensive car insurance protects you from any damage sustained that is outside of your control, such as a bicycle running into your vehicle while it is parked on the street.

If you purchase a new vehicle like a 2020 Subaru BRZ, it is a wise idea to protect that investment. In the end, it’s your call and you have to figure out whether or not you want full coverage or liability alone.

How much will it cost to repair my Subaru BRZ?

Keeping up with repairs is an important part of owning a car, but it’s also something we wish we didn’t have to deal with all the time.

Your Subaru BRZ will remain in good health so long as you keep up with regularly scheduled maintenance appointments. Be prepared to spend roughly $672 each year to fix any mechanical issues, have the oil changed, tires rotated, and everything else the car needs to perform at a high level.

Should you need repairs that extend beyond routine maintenance, the following estimates will give you an idea of how much each part of the BRZ costs to repair. These quotes come courtesy of YourMechanic.com.

• Brake Caliper: $557
• Car Radiator: $473
• Air Conditioning: $223
• Battery: $210
• Drive Belt Tensioner: $178
• Front Crankshaft Seal: $148
• Differential/Gear Oil: $115
• Air Filter: $100

After reviewing these estimates, it appears that the brakes seem to be the most expensive part of the vehicle to repair. However, having working brakes is essential to the safety of you and everyone else on the road.

To this point, we have covered a lot of information about how insurance rates are calculated for the Subaru BRZ. Do you feel confident about securing a good policy from a reputable provider? You can take the first step by entering your five-digit ZIP code in the box below.