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Sarah Sharkey is a personal finance and auto insurance writer who loves diving into the details to help readers make savvy life choices. She has written for numerous publications, including Business Insider, Yahoo! Finance, and Bankrate.
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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The average cost of car insurance for a Subaru BRZ is $186 per month, which is 12% more than the national average for all vehicles.
USAA offers the lowest premiums for BRZ drivers, with an overall average monthly premium of $107.
The Subaru BRZ offers drivers a high-performance sports-car experience, which typically results in increased insurance prices.
The sporty two-door Subaru BRZ offers more than 200 horsepower and can be a blast to drive. But the cost of car insurance for a sporty coupe can add up quickly.
Subaru BRZ drivers pay an average of $201 per month for car insurance, according to Compare.com data. But drivers with a full-coverage policy tend to pay more, at an average of $261 per month.
Both figures are significantly above their respective averages for all vehicles of $150 and $193 per month. But interestingly, although they’re virtually the same vehicle,[1] average auto insurance rates for the BRZ are quite a bit less than the Toyota GR86.
This guide explores Subaru BRZ car insurance costs, the best insurers for this vehicle, and how to get the lowest car insurance rates for your situation.
Your exact car insurance costs can vary dramatically based on your situation. Insurance companies consider details like your driving record, age, and coverage choices when determining premiums.
Insurance companies also consider the type of vehicle you drive. For Subaru BRZ drivers, this means paying more than the national average for car insurance.
Insurers base their rates on overall risk. Unfortunately, BRZ drivers tend to be much more likely to drive dangerously. In fact, the BRZ had the highest percentage of drivers with speeding tickets of any model in 2024, according to a report from Insurify.[2]
To give you a better idea of how the BRZ stacks up, the table below highlights average costs across different coverage types and how each compares to the national average.
Vehicle  | Average Liability Premium | Average Full-Coverage Premium | Overall Average Premium |
|---|---|---|---|
| Subaru BRZ | $112 | $259 | $186 |
| All vehicles | $116 | $216 | $166 |
USAA and State Farm lead the pack in terms of the cheapest average rates for Subaru BRZ drivers. Each of these companies offers average premiums for less than $150 per month.
But while USAA and State Farm offer the cheapest average rates, that doesn’t mean they’ll be the cheapest option for everyone. In order to find the best rates for your unique driver profile, it’s critical to compare quotes for your chosen coverage level across multiple insurance companies.
Compare personalized quotes from dozens of insurers in minutes.
Ultimately, the best insurance company varies from driver to driver. But some insurance companies tend to offer better options than others.
We’ve chosen some of the top auto insurance companies for different Subaru BRZ drivers based on a combination of average rates for the BRZ, available discounts, customer ratings and reviews, and coverages offered.
Compare overall average monthly premiums from some of the cheapest insurers below.
Company | Average Monthly Premium |
|---|---|
| USAA | $107 |
| State Farm | $118 |
| Allstate | $151 |
| American Family | $161 |
| GEICO | $165 |
| CSAA | $181 |
| Nationwide | $195 |
| Progressive | $199 |
| Travelers | $203 |
| Farmers | $230 |
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $53/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $100/mo |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA offers the most affordable average coverage for Subaru BRZ drivers. If you’re a qualifying member of the military community, it’s a good idea to look into getting insurance coverage from USAA.
The insurance company offers military-specific programs and discounts that can help you save even more on your coverage. USAA has excellent customer and claims satisfaction rankings.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $56/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $107/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm is the second-cheapest insurer for Subaru BRZ drivers, on average, based on Compare.com data. The insurance company has standard coverage offerings, several unique coverage add-ons, and a dozen advertised car insurance discounts that you can benefit from.
State Farm also has a Drive Safe & Save telematics program that rewards safe drivers with lower premiums
| User Reviews | 3.6 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $76/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $142/mo |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
The third-most affordable auto insurer for Subaru BRZ drivers, Allstate is another great insurer to consider if you’re looking for a good deal on coverage. The company has ample coverage offerings and eight advertised discounts, including for bundling with home insurance, paying in full, and auto safety features.
You may also be able to save on coverage through Drivewise, the company’s telematics program, or Milewise, its pay-per-mile program.
Sells coverage in all 50 states
Savings possible through telematics and pay-per-mile programs
Superior financial strength rating
Below-average claims satisfaction rating[4]
Low Trustpilot rating
Fewer discounts than some competitors
Vehicle age can play a sizable role in your car insurance premiums.
Generally, older vehicles are more affordable to insure thanks to depreciation and lower repair costs. But at a certain point, older vehicles lacking current safety features may begin to cost more to insure.
For example, the overall average cost to insure a 2013 Subaru BRX is $170 per month, while the 2025 and 2024 models cost $225 per month to insure, on average.
In the table below, you’ll find average monthly rates by model year of the BRZ, according to Compare.com data.
BRZ Model Year | Average Monthly Premium |
|---|---|
| 2025 | $225 |
| 2024 | $225 |
| 2023 | $224 |
| 2022 | $224 |
| 2020 | $216 |
| 2019 | $206 |
| 2018 | $195 |
| 2017 | $192 |
| 2016 | $186 |
| 2015 | $182 |
| 2014 | $179 |
| 2013 | $170 |
Company | Average Monthly Premium |
|---|---|
| USAA | $129 |
| State Farm | $143 |
| Allstate | $182 |
| American Family | $195 |
| GEICO | $199 |
Company | Average Monthly Premium |
|---|---|
| USAA | $129 |
| State Farm | $143 |
| Allstate | $182 |
| American Family | $195 |
| GEICO | $199 |
Company | Average Monthly Premium |
|---|---|
| USAA | $129 |
| State Farm | $142 |
| Allstate | $182 |
| American Family | $194 |
| GEICO | $199 |
Company | Average Monthly Premium |
|---|---|
| USAA | $129 |
| State Farm | $142 |
| Allstate | $182 |
| American Family | $194 |
| GEICO | $199 |
Company | Average Monthly Premium |
|---|---|
| USAA | $125 |
| State Farm | $137 |
| Allstate | $176 |
| American Family | $187 |
| GEICO | $192 |
Company | Average Monthly Premium |
|---|---|
| USAA | $119 |
| State Farm | $131 |
| Allstate | $168 |
| American Family | $179 |
| GEICO | $183 |
Company | Average Monthly Premium |
|---|---|
| USAA | $116 |
| State Farm | $128 |
| Allstate | $164 |
| American Family | $175 |
| GEICO | $179 |
Company | Average Monthly Premium |
|---|---|
| USAA | $112 |
| State Farm | $124 |
| Allstate | $158 |
| American Family | $169 |
| GEICO | $173 |
Company | Average Monthly Premium |
|---|---|
| USAA | $110 |
| State Farm | $122 |
| Allstate | $155 |
| American Family | $166 |
| GEICO | $170 |
Company | Average Monthly Premium |
|---|---|
| USAA | $107 |
| State Farm | $118 |
| Allstate | $151 |
| American Family | $161 |
| GEICO | $165 |
Company | Average Monthly Premium |
|---|---|
| USAA | $104 |
| State Farm | $115 |
| Allstate | $147 |
| American Family | $157 |
| GEICO | $161 |
Insurance companies also consider your location when determining premiums. Depending on your state, you might face higher or lower premiums than the national averages we mentioned earlier.
For example, Subaru BRZ drivers in New York pay an average of $214 per month. In contrast, drivers in Alabama pay a monthly average of just $153.
The map below highlights how average rates can change by state, according to Compare.com data.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $153 |
| Arizona | $163 |
| Arkansas | $177 |
| California | $200 |
| Colorado | $200 |
| Connecticut | $277 |
| Delaware | $232 |
| Florida | $216 |
| Georgia | $248 |
| Hawaii | $123 |
| Idaho | $102 |
| Illinois | $154 |
| Indiana | $127 |
| Iowa | $104 |
| Kansas | $144 |
| Kentucky | $192 |
| Louisiana | $208 |
| Maine | $136 |
| Maryland | $295 |
| Massachusetts | $147 |
| Michigan | $224 |
| Minnesota | $169 |
| Mississippi | $147 |
| Missouri | $177 |
| Montana | $145 |
| Nebraska | $140 |
| Nevada | $246 |
| New Hampshire | $85 |
| New Jersey | $262 |
| New Mexico | $141 |
| New York | $214 |
| North Carolina | $86 |
| North Dakota | $114 |
| Ohio | $120 |
| Oklahoma | $167 |
| Oregon | $148 |
| Pennsylvania | $157 |
| Rhode Island | $214 |
| South Carolina | $238 |
| South Dakota | $134 |
| Tennessee | $138 |
| Texas | $213 |
| Utah | $146 |
| Vermont | $139 |
| Virginia | $174 |
| Washington | $165 |
| Washington D.C. | $306 |
| West Virginia | $143 |
| Wisconsin | $118 |
| Wyoming | $109 |
Age represents one of the most important factors in determining your insurance premiums. That’s because drivers with more experience behind the wheel tend to have fewer accidents than newer, younger drivers.
Below, we’ve broken down how average rates tend to drop as you get older.
Unsurprisingly, teen drivers face the highest average insurance costs, at a staggering $357 per month. That’s nearly $2,050 more each year than a similar BRZ driver in their 40s.
Inexperience is a major risk factor, especially when combined with the high horsepower of a Subaru BRZ.[5] Teens are three times more likely to be in a fatal accident, according to the Centers for Disease Control and Prevention.[6] That’s why car insurance costs more for young drivers.
But some companies don’t put as much weight on age, making coverage more affordable. The chart below shows the cheapest car insurance for BRZ drivers younger than 25, based on our data.
Mature drivers have more experience behind the wheel, fewer accidents, and often stick to shorter trips, according to the Insurance Institute for Highway Safety (IIHS).[7] These are all factors that keep premiums lower for seniors.
If your insurance company offers discounts for senior drivers, you can drop your rates even more. Here’s how average senior BRZ premiums compare by insurer, based on Compare.com data.
Insurers view sportier cars as higher risk than a typical sedan. A single ticket or accident can raise your rates for around five years, according to the National Association of Insurance Commissioners (NAIC).[8] Because insurers view safe drivers as a better match for a car built for speed, a clean driving record can get you lower rates with the Subaru BRZ.
The table below shows how rates can change based on your driving history, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $186 |
| Speeding ticket | $249 |
| At-fault accident | $266 |
| DUI | $312 |
When speed is a factor, drivers are more likely to crash on their own than into other vehicles, according to the U.S. Department of Transportation.[9] Your premium can increase more from a severe speeding violation than a minor one. The increase also depends on your insurance company, since insurers don’t treat every violation the same way.
Here’s where BRZ drivers can find the most affordable premiums after a ticket, based on our data.
An at-fault accident can raise BRZ premiums because it signals a higher likelihood of future claims. Insurance companies pull your history from databases like the Comprehensive Loss Underwriting Exchange (CLUE) when quoting your insurance policy.[8] But not all companies treat accidents the same, which is why car insurance comparison sites can help you find the best deal.
Below are the cheapest options for BRZ drivers with an at-fault accident, according to Compare.com data.
A driving under the influence (DUI) conviction can send Subaru BRZ insurance costs soaring. It’s a major predictor of future risk. Drivers who get behind the wheel after drinking cause nearly one-third of fatal accidents, according to the National Highway Traffic Safety Administration.[10]
But just because you have a DUI doesn’t mean you’re stuck with higher premiums. Switching to an insurance company that specializes in high-risk drivers can help you keep rates more affordable. The insurers below tend to offer the best BRZ insurance prices after a DUI, according to our data.
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Several factors will influence how much you’ll pay to insure a Subaru BRZ:
Vehicle value: The cost of the 2026 Subaru BRZ ranges from $37,055 to $40,555.[11] The more expensive your vehicle, the more it will cost for you to insure, on average.
Performance features: A powerful engine and fine-tuned suspension indicate to insurers that the BRZ is optimal for fast driving, which insurers may view as a risk.
Safety tech: The BRZ has automatic braking, blind-spot detection, and other safety sensors to help reduce crash risk.[5] Insurers often provide discounts for vehicle safety features.
Repair costs: Claims costs are rising overall, but BRZ collision claims are above average compared to other small two-door cars, according to data from the IIHS.[12]
Theft trends: The BRZ has a low risk of theft, according to data from the National Insurance Crime Bureau.[13]
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No one wants to pay more than they have to for car insurance. If you want to lock in the lowest car insurance costs for your Subaru BRZ, try the following strategies.
Consider older model years. If you haven’t bought your BRZ yet, consider opting for an older model year in order to cut down on your insurance costs.
Seek out discounts. Many insurance companies offer discount opportunities to drivers. It never hurts to see if you qualify for one. For example, bundling discounts could add up to savings of 20% or more.
Raise your deductible. Generally, raising your deductible leads to a lower insurance premium. If you have the money on hand to cover a higher deductible during a claim, tapping into these savings could make sense.
Determine the right coverage amount. Though a minimum-coverage policy that meets state requirements is the cheapest option, it may not provide enough protection. If you want more robust coverage, consider increasing your liability coverage limits. You can also purchase collision and comprehensive coverage to help you cover your repair costs after an incident and avoid expensive out-of-pocket costs.
Shopping around. Different insurance companies charge different premiums. Take the time to comparison shop across multiple insurers to find the best rates.
Comparing quotes can save you up to $867.†
If you have additional questions about finding cheap car insurance for your Subaru BRZ, check out the answers below.
Generally, yes. It’s more expensive to insure a Subaru BRZ compared to most vehicles. The average cost to insure a BRZ is $112 per month for liability coverage and $259 for full coverage, according to Compare.com data. In contrast, the national average monthly car insurance premium is $116 per month for liability and $216 for full coverage.
USAA and State Farm tend to offer the cheapest auto insurance rates to Subaru BRZ drivers, according to Compare.com data. Their average policies start as low as $74 and $80 per month for liability coverage, respectively.
On average, car insurance for a 2025 Subaru BRZ is $225 per month, according to Compare.com data. BRZ drivers pay an average of $135 per month for liability coverage and $313 for full coverage.
Yes. The Subaru BRZ is a sporty car due to its general design and capabilities. Sports car insurance rates tend to be higher than those for other vehicles in the insurance marketplace.
The Subaru Outback and Forester are the two most affordable Subaru models to insure, with overall average rates of $117 and $119 per month, respectively, according to Compare.com.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Sarah Sharkey is a personal finance and auto insurance writer who loves diving into the details to help readers make savvy life choices. She has written for numerous publications, including Business Insider, Yahoo! Finance, and Bankrate.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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