Subaru BRZ Car Insurance Cost 2025
On average, getting insurance for a Subaru BRZ costs $1,632 per year. However, this figure can vary depending on factors like your age, the model year of your car, and other considerations. You can refer to our quote tables below to get a more accurate estimate tailored to your specific situation.
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Insuring a 2025 Subaru BRZ typically costs around $1,632 annually for full coverage, translating to approximately $136 per month. This rate is higher than the national average for similar vehicles, primarily due to the BRZ’s classification as a sports car, which often leads to increased premiums.
Factors such as the vehicle’s performance capabilities, repair costs, and safety features contribute to this elevated insurance cost. However, individual premiums can vary based on personal factors like age, driving history, location, and chosen coverage levels.
For instance, younger drivers or those with less favorable driving records may face higher rates. To secure the most competitive insurance rates, it’s advisable to compare quotes from multiple providers and consider any available discounts.
How Much Does Subaru BRZ Car Insurance Cost?
Typically, Subaru BRZ drivers can secure car insurance at an average rate of $1,632 per year.
While the rate offered by the Pekin Insurance serves as a good reference point, it’s essential to recognize that the cost of car insurance can vary significantly due to several factors. These factors include your location, driving history, the age of your car, and the specific coverage options you select. Maintaining a clean driving record may result in lower premiums, whereas a history of accidents or traffic violations can lead to higher costs.
Furthermore, residing in an urban area with heavy traffic may lead to higher insurance rates compared to rural areas with less traffic congestion. The type of coverage you opt for will also affect your premium – comprehensive insurance, which includes both comprehensive and collision coverage, will generally be more expensive than minimum liability coverage.
Insuranceopedia is available to assist you in comparing quotes from various insurance companies to ensure you find the best deal for your needs.
Average Insurance Cost Of Subaru BRZ By Model Year
| Model Year | Average Premium |
| 2025 Subaru BRZ | $1,571 |
| 2024 Subaru BRZ | $993 |
| 2023 Subaru BRZ | $643 |
| 2022 Subaru BRZ | $774 |
| 2021 Subaru BRZ | $519 |
| 2020 Subaru BRZ | $826 |
| 2019 Subaru BRZ | $536 |
| 2018 Subaru BRZ | $578 |
| 2017 Subaru BRZ | $677 |
| 2016 Subaru BRZ | $412 |
2025 Subaru BRZ Insurance Rates
The average annual insurance cost for a 2025 Subaru BRZ is $1,571. However, GEICO offers the cheapest rates, averaging $1,215 per year.
| Insurance Provider | Average Annual Cost |
| GEICO | $1,215 |
| USAA | $1,230 |
| Erie | $1,270 |
| Nationwide | $1,300 |
| State Farm | $1,350 |
| Progressive | $1,390 |
| Vermont Mutual | $1,470 |
| Allstate | $1,980 |
| Allied | $2,200 |
| Farmers | $2,300 |
2024 Subaru BRZ Insurance Rates
The average annual insurance cost for a 2024 Subaru BRZ is $993. However, Pekin Insurance offers the cheapest rates, averaging $730 per year.
| Insurance Provider | Average Annual Cost |
| Wolverine Mutual | $829 |
| West Bend Mutual | $1,111 |
| Arbella Insurance Group | $1,094 |
| Farm Bureau Mutual (IA Group) | $1,047 |
| Pekin Insurance | $730 |
| Plymouth Rock Assurance | $972 |
| National General Value | $838 |
| SECURA Insurance | $1,127 |
| Rural Mutual Insurance | $1,150 |
| Hastings Mutual Insurance Co | $1,034 |
2023 Subaru BRZ Insurance Rates
The average annual insurance cost for a 2023 Subaru BRZ is $643. However, Safeco offers the cheapest rates, averaging $311 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $436 |
| New Jersey Manufacturers | $913 |
| PEMCO | $763 |
| American National P | $689 |
| Safeco | $311 |
| NatGen Value | $476 |
| Victoria | $369 |
| Pekin Insurance | $845 |
| Texas Farm Bureau Group | $912 |
| Capital Insurance Group | $714 |
2022 Subaru BRZ Insurance Rates
The average annual insurance cost for a 2022 Subaru BRZ is $774. However, American National P offers the cheapest rates, averaging $448 per year.
| Insurance Provider | Average Annual Cost |
| Pekin Insurance | $637 |
| Tennessee Farmers | $945 |
| Safeco | $857 |
| West Bend Mutual | $835 |
| American National P | $448 |
| Texas Farm Bureau Group | $739 |
| Plymouth Rock | $508 |
| Southern Farm Bureau | $967 |
| Rockford Mutual Insurance | $946 |
| Western Reserve | $854 |
2021 Subaru BRZ Insurance Rates
The average annual insurance cost for a 2021 Subaru BRZ is $519. However, Victoria offers the cheapest rates, averaging $331 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $404 |
| AssuranceAmerica Economy | $757 |
| Buckeye Insurance Group | $575 |
| Commerce Group Inc | $528 |
| Victoria | $331 |
| Pekin Insurance | $510 |
| American National P | $385 |
| Concord Group | $600 |
| SafeAuto | $580 |
| Safeco | $523 |
2020 Subaru BRZ Insurance Rates
The average annual insurance cost for a 2020 Subaru BRZ is $826. However, American National P offers the cheapest rates, averaging $383 per year.
| Insurance Provider | Average Annual Cost |
| Tennessee Farmers | $833 |
| Capital Insurance Group | $1,035 |
| Rural Mutual Insurance | $863 |
| PEMCO | $827 |
| American National P | $383 |
| Texas Farm Bureau Group | $829 |
| Safeco | $644 |
| Wolverine Mutual | $950 |
| North Carolina Farm Bureau | $992 |
| Atlantic States Insurance | $903 |
2019 Subaru BRZ Insurance Rates
The average annual insurance cost for a 2019 Subaru BRZ is $536. However, Union Mutual Fire Group offers the cheapest rates, averaging $417 per year.
| Insurance Provider | Average Annual Cost |
| Union Mutual Fire Group | $417 |
| Titan | $746 |
| AssuranceAmerica Economy | $528 |
| Kemper Auto Premier | $479 |
| Safeco | $395 |
| American National P | $479 |
| Utica National Ins Group | $408 |
| Clearcover | $682 |
| Rural Mutual Insurance | $721 |
| Dairyland Auto 1 Month | $501 |
2018 Subaru BRZ Insurance Rates
The average annual insurance cost for a 2018 Subaru BRZ is $578. However, Safeco offers the cheapest rates, averaging $355 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $456 |
| Norfolk and Dedham Group | $797 |
| Safety Group | $640 |
| Countryway Insurance | $614 |
| Safeco | $355 |
| Concord Group | $544 |
| NatGen Custom 360 | $378 |
| Pekin Insurance | $665 |
| American National P | $677 |
| Buckeye Insurance Group | $657 |
2017 Subaru BRZ Insurance Rates
The average annual insurance cost for a 2017 Subaru BRZ is $677. However, Safeco offers the cheapest rates, averaging $335 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Value | $663 |
| Countryway Insurance | $866 |
| Mercury Insurance | $794 |
| Concord Group | $698 |
| Safeco | $335 |
| Infinity Special | $712 |
| American National P | $338 |
| Buckeye Insurance Group | $793 |
| Pekin Insurance | $822 |
| North Carolina Farm Bureau | $751 |
2016 Subaru BRZ Insurance Rates
The average annual insurance cost for a 2016 Subaru BRZ is $677. However, Kemper Auto | Infinity offers the cheapest rates, averaging $161 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Economy | $330 |
| Pekin Insurance | $635 |
| Kemper Auto | $476 |
| Mercury Insurance | $431 |
| Kemper Auto | Infinity | $161 |
| NatGen Value | $351 |
| NatGen Custom 360 | $187 |
| American National P | $530 |
| AssuranceAmerica Elite | $541 |
| Union Mutual Fire Group | $480 |
Find Affordable Subaru BRZ Insurance Rates
Are Subaru BRZs Expensive To Insure?
Insuring a Subaru BRZ is generally more expensive than covering other Subaru models, primarily due to its classification as a sports coupe. The average annual premium for full coverage on a 2025 Subaru BRZ is approximately $1,632, which is higher than the national average for similar vehicles. Factors contributing to this increased cost include the BRZ’s performance capabilities, higher likelihood of being driven aggressively, and elevated repair expenses associated with sports cars. However, insurance rates can vary significantly based on individual factors such as age, driving history, location, and chosen coverage levels. For instance, younger drivers or those with less favorable driving records may face substantially higher premiums.
Cost of Subaru BRZ Car Insurance By Age
Age significantly influences insurance rates for any vehicle. Teenagers tend to pay the highest premiums since, statistically, they are involved in more accidents than other age groups. As you grow older, your premiums generally decrease as you become a lower insurance risk.
| Drive Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $8,216 | $11,997 | $14,020 |
| 18 | $7,604 | $11,179 | $13,097 |
| 19 | $6,763 | $9,911 | $11,557 |
| 20 | $5,882 | $8,630 | $10,112 |
| 21 | $4,906 | $7,232 | $8,466 |
| 22 | $4,804 | $7,027 | $8,231 |
| 23 | $4,178 | $6,126 | $7,218 |
| 24 | $4,018 | $5,838 | $6,836 |
| 25 | $3,419 | $5,019 | $5,865 |
| 30 | $2,670 | $3,929 | $4,610 |
| 35 | $2,533 | $3,663 | $4,358 |
| 40 | $2,408 | $3,532 | $4,154 |
| 45 | $2,369 | $3,454 | $4,057 |
| 55 | $2,163 | $3,160 | $3,702 |
| 65 | $2,254 | $3,289 | $3,845 |
| 75 | $2,842 | $4,199 | $4,879 |
Subaru BRZ Car Insurance Rates By State
Where you live plays a crucial role in how insurance companies calculate rates. Each state regulates its own auto insurance; for example, Michigan drivers often face higher premiums due to the state’s requirement for higher coverage levels. Additionally, regional climates can impact rates—states prone to extreme weather events like hurricanes, storms, or flooding may have higher premiums. Furthermore, local statistics on crime and auto accidents, such as car thefts, crashes, and vehicle fatality rates, are also considered. All these factors influence your specific Subaru BRZ insurance rate.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,573 | $3,732 | $4,739 |
| Alaska | $2,090 | $2,914 | $2,822 |
| Arizona | $2,381 | $3,476 | $5,127 |
| Arkansas | $2,613 | $4,098 | $4,561 |
| California | $2,926 | $5,168 | $2,908 |
| Colorado | $2,735 | $3,816 | $4,812 |
| Connecticut | $3,493 | $5,397 | $6,812 |
| Delaware | $2,869 | $3,848 | $4,914 |
| Florida | $3,403 | $4,716 | $6,184 |
| Georgia | $1,115 | $1,473 | $1,112 |
| Hawaii | $1,907 | $2,603 | $3,119 |
| Idaho | $2,033 | $3,055 | $3,513 |
| Illinois | $2,075 | $3,185 | $3,555 |
| Indiana | $1,627 | $2,228 | $2,707 |
| Iowa | $2,219 | $3,177 | $3,768 |
| Kansas | $3,143 | $4,649 | $5,524 |
| Kentucky | $4,077 | $6,161 | $6,701 |
| Louisiana | $1,537 | $2,153 | $3,121 |
| Maine | $2,474 | $3,665 | $4,056 |
| Maryland | $2,000 | $3,492 | $2,010 |
| Massachusetts | $4,838 | $7,338 | $11,606 |
| Michigan | $1,951 | $2,660 | $3,714 |
| Minnesota | $2,401 | $3,445 | $3,480 |
| Mississippi | $2,262 | $3,204 | $4,226 |
| Missouri | $2,287 | $3,214 | $3,738 |
| Montana | $1,951 | $2,907 | $3,139 |
| Nebraska | $3,235 | $4,769 | $5,022 |
| Nevada | $2,230 | $3,564 | $4,467 |
| New Hampshire | $2,475 | $3,867 | $5,042 |
| New Jersey | $2,531 | $3,736 | $3,879 |
| New Mexico | $2,338 | $2,905 | $4,910 |
| New York | $1,459 | $2,496 | $1,758 |
| North Carolina | $1,943 | $2,965 | $3,504 |
| North Dakota | $1,771 | $2,729 | $2,802 |
| Ohio | $2,795 | $4,043 | $4,497 |
| Oklahoma | $2,560 | $3,434 | $4,108 |
| Oregon | $2,158 | $3,137 | $3,673 |
| Pennsylvania | $3,568 | $5,268 | $5,940 |
| Rhode Island | $2,461 | $3,352 | $4,625 |
| South Carolina | $2,205 | $3,160 | $3,614 |
| South Dakota | $2,560 | $3,799 | $5,062 |
| Tennessee | $2,601 | $3,759 | $4,635 |
| Texas | $2,203 | $3,097 | $4,256 |
| Utah | $1,689 | $2,663 | $2,758 |
| Vermont | $1,575 | $2,459 | $2,402 |
| Virginia | $2,118 | $2,850 | $3,433 |
| Washington | $2,132 | $3,061 | $3,818 |
| West Virginia | $2,122 | $3,343 | $3,813 |
| Wisconsin | $1,944 | $2,801 | $2,964 |
| Wyoming | $2,809 | $4,172 | $4,175 |
Common Subaru BRZ Insurance Discounts
Discounts can significantly lower your car insurance costs. While each provider offers different discounts, some common ones to check your eligibility for include:
- Multi-policy: Bundling your home and auto insurance policies with the same provider can result in a discounted rate.
- Pay annually: Paying your premium all at once, rather than in monthly installments, can often reduce your overall cost.
- Defensive driving: Completing a certified defensive driving course may make you eligible for reduced premiums.
Other discounts may be available, so it’s essential to speak to your insurance agent to discover which ones apply to your situation.
Cheapest Car Insurance Companies For A Subaru BRZ
The 2025 Subaru BRZ, a compact sports car known for its performance and affordability, has varying insurance costs depending on the provider. GEICO offers the most affordable estimated annual premium at approximately $1,215, translating to about $101 per month. USAA and Erie also provide competitive rates, with annual premiums around $1,230 and $1,270, respectively. On the higher end, State Farm’s estimated annual premium stands at $1,350, or $113 monthly. These variations underscore the importance of comparing quotes from multiple insurers to find the best rate tailored to individual needs and circumstances.
| Insurance Company | Average Monthly |
|---|---|
| GEICO | $101 |
| USAA | $103 |
| Erie | $106 |
| Nationwide | $108 |
| State Farm | $113 |
Compare Subaru BRZ To Other Subaru Models
Looking for other Subaru model insurance costs?
Our Methodology
To calculate average car insurance costs, Insuranceopedia compiled thousands of quotes from top auto insurance providers. The sample profile used was a 40-year-old male driver purchasing full-coverage car insurance with the following coverage limits: $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, it's important to note that these figures may differ from your individual results based on your unique circumstances.
Quotes Analyzed
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FAQs
Do You Need Insurance Before You Can Purchase A Subaru BRZ?
You will need to provide proof of insurance before driving your Subaru BRZ out of the dealership. The best approach is to purchase a policy beforehand and inform your insurance company that you are about to buy the car, rather than relying on insurance provided by the dealership.
How Can You Get The Cheapest Insurance For Your Subaru BRZ?
To find the most affordable insurance rates for your Subaru BRZ, it’s best to shop around and compare quotes from different auto insurance companies. Fortunately, Insuranceopedia makes this process easy by allowing you to compare quotes from multiple providers directly on their website.
