)
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.
Updated
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In This Article
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.
BRZs tend to cost quite a bit more to insure than the average vehicle.
Elephant, Liberty Mutual, and Direct Auto offer the cheapest average rates for BRZ insurance.
Older model years of the Subaru BRZ tend to be cheaper to insure.
How Much Does It Cost to Insure a Subaru BRZ?
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 Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
---|---|---|---|
Subaru BRZ | $142 | $261 | $201 |
All vehicles | $108 | $193 | $150 |
Our data shows that, on average, Subaru BRZ drivers pay $142 per month for liability-only coverage and $261 per month for full-coverage policies. Both figures are more than 30% higher than the average vehicle.
Still, you can find much more affordable rates with the right insurer. With that in mind, let’s take a look at which companies tend to offer BRZ drivers the best rates.
The Cheapest Car Insurance Companies for Subaru BRZs
Average rates offer a helpful starting point for what you might expect to pay for car insurance with a Subaru BRZ. That said, it’s possible to tap into substantial savings — if you know where to look. Ultimately, the best way to save on car insurance is to shop around and get quotes from multiple car insurance companies.
To get you started, here are the five cheapest companies for BRZ insurance, according to our data.
Company | Average Monthly Premium |
---|---|
Elephant | $181 |
Liberty Mutual | $185 |
Direct Auto | $202 |
Dairyland | $217 |
National General | $217 |
Elephant and Liberty Mutual lead the pack in terms of the cheapest average rates for Subaru BRZ drivers. Each of these companies offers average premiums for less than $200 per month.
But while Elephant and Liberty Mutual 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 situation, it’s critical to compare quotes across multiple insurance companies.
The Best Insurance Companies for Subaru BRZ Drivers
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.
User Reviews | NR |
---|---|
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. | NR |
Elephant offers Subaru BRZ drivers some of the cheapest average rates, according to our research. While customers have a mix of opinions about working with the company, its straightforward online policy management system could make things easy for tech-savvy drivers.
One downside is that the company is available in only seven states — Georgia, Indiana, Maryland, Ohio, Tennessee, Texas, and Virginia.
Cheap average rates
Excellent Trustpilot rating
Available only in a handful of states
More-than-expected National Association of Insurance Commissioners (NAIC) complaints
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. | 3.9 /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. | $173/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. | $233/mo |
Customers appreciate the excellent customer service and efficient claim processing but are frustrated with the high and consistently increasing premiums. Some also found the website difficult to navigate.
Customers appreciate the excellent customer service and efficient claim processing but are frustrated with the high and consistently increasing premiums. Some also found the website difficult to navigate.
Liberty Mutual tends to offer Subaru BRZ drivers some of the most competitive rates. When combined with ample discount opportunities, Liberty Mutual could be a great fit for BRZ drivers seeking affordable premiums.
Safe drivers have even more to gain by working with Liberty Mutual’s RightTrack. This telematics program tracks your driving behavior and rewards good drivers with a discount of up to 30%.
Competitive rates
Many discount opportunities
More-than-expected NAIC complaints
Poor Trustpilot rating
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. | 4.2 /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. | $100/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. | $169/mo |
Drivers appreciate the reasonable initial rates and decent coverage but dislike the consistent rate increases and lack of transparency.
Drivers appreciate the reasonable initial rates and decent coverage but dislike the consistent rate increases and lack of transparency.
Direct Auto has a reputation for working with drivers who have a less-than-perfect driving record. If you have some violations (like speeding tickets or accidents) in your past, Direct Auto might be a good fit.
Although customers have mixed opinions about their experience with Direct Auto, the company has fewer-than-expected NAIC complaints, which bodes well for a positive experience during claims.
Competitive rates
High-risk coverage available
Poor Trustpilot rating
Not available in all states
Subaru BRZ Insurance Rates by Model Year
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 the Subaru BRZ, the sweet spot is the 2019 model, which costs an average of $170 to insure, based on our research.
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 | $207 |
2024 | $262 |
2023 | $261 |
2022 | $233 |
2020 | $188 |
2019 | $170 |
2018 | $189 |
2017 | $214 |
2016 | $195 |
2015 | $183 |
2014 | $192 |
2013 | $198 |
Subaru BRZ Insurance Rates by State
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 $475 per month. In contrast, drivers in Alabama pay a monthly average of just $118.
The map below highlights how average rates can change by state, according to Compare.com data.
Average BRZ Rates by State
state_id | Average Monthly Premium |
---|---|
Alabama | $118 |
Arizona | $159 |
Arkansas | $228 |
California | $229 |
Colorado | $186 |
Connecticut | $361 |
Delaware | $220 |
Florida | $232 |
Georgia | $236 |
Idaho | $120 |
Illinois | $148 |
Indiana | $128 |
Iowa | $108 |
Kansas | $146 |
Kentucky | $232 |
Louisiana | $214 |
Maine | $141 |
Maryland | $327 |
Massachusetts | $179 |
Michigan | $278 |
Minnesota | $179 |
Mississippi | $179 |
Missouri | $174 |
Montana | $145 |
Nebraska | $167 |
Nevada | $283 |
New Hampshire | $109 |
New Jersey | $188 |
New Mexico | $137 |
New York | $457 |
North Carolina | $89 |
North Dakota | $137 |
Ohio | $121 |
Oklahoma | $154 |
Oregon | $153 |
Pennsylvania | $155 |
Rhode Island | $136 |
South Carolina | $261 |
South Dakota | $115 |
Tennessee | $134 |
Texas | $211 |
Utah | $173 |
Vermont | $129 |
Virginia | $172 |
Washington | $133 |
District of Columbia | $270 |
West Virginia | $137 |
Wisconsin | $121 |
Wyoming | $115 |
Subaru BRZ Insurance Rates by Age
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.
In the following chart, we’ve broken down how average rates tend to drop as you get older.
Average Rates by Age Group
Unsurprisingly, teen drivers face the highest average insurance costs, at a staggering $379 per month. That’s nearly $2,500 more each year than a similar BRZ driver in their 40s.
Subaru BRZ Insurance Rates by Driving Record
Your driving record gives insurance companies an indicator of your driving habits, which can reflect the level of risk you pose to the company. Generally, drivers without any violations pay significantly less for coverage than those with a speeding ticket or accident in their past.
This trend holds true for Subaru BRZ drivers. Check out exactly how much rates increase with the chart below.
Average Rates by Driving Record
On average, Subaru BRZ drivers with a clean driving record pay nearly $100 less per month for coverage than people with a recent accident. Even a speeding ticket on your driver profile pushes up BRZ rates by an average of $79 per month.
Subaru BRZ Features and Options That Affect Insurance Rates
As a sporty coupe, it’s not surprising that the Subaru BRZ’s different features and options can potentially affect your insurance quotes. Some different features to consider include:
Trim levels: The 2025 Subaru BRZ has three different trim levels, with manufacturer’s suggested retail prices (MSRPs) ranging from $33,210 to $38,360. Generally, you can expect to pay more to insure a BRZ tS than a base-model Premium trim.
Sports performance: The current Subaru BRZ comes with a 228-horsepower engine built for performance and handling. Sportier cars like these tend to have higher accident rates, which leads to more expensive insurance rates.
Optional stick shift: The Subaru BRZ offers a manual transmission option, which can be slightly cheaper to insure than a traditional automatic.[3]
Safety features: The 2022 and 2023 Subaru BRZ models earned the honor of being an Insurance Institute for Highway Safety Top Safety Pick winner.[4] For a vehicle of its size, this model is packed with safety features, which can help lower premiums.
How to Get Cheaper Car Insurance for Your Subaru BRZ
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.
Consider your coverage options. While a minimum-coverage policy that meets your state requirements tends to be the cheapest option, it might not offer enough protection. If you want more robust coverage, consider purchasing collision and comprehensive coverage to help you cover your repair costs after an incident.
Shopping around. Different insurance companies charge different premiums. Take the time to comparison shop across multiple insurers to find the best rates.
Subaru BRZ Auto Insurance FAQs
If you have additional questions about Subaru BRZ auto insurance, check out the answers below.
Is a Subaru BRZ expensive to insure?
Generally, yes. It’s more expensive to insure a Subaru BRZ compared to most vehicles. On average, BRZ insurance costs $201 per month, according to Compare.com data. In contrast, the national average monthly car insurance premium is $150.
What’s the cheapest insurance company for a Subaru BRZ?
Elephant and Liberty Mutual tend to offer the cheapest car insurance rates to Subaru BRZ drivers, according to Compare.com data. Their average policies start as low as $181 per month.
How much is car insurance for a 2025 Subaru BRZ?
On average, car insurance for a 2025 Subaru BRZ is $207 per month, according to Compare.com data.
Do insurance companies consider the Subaru BRZ a sports car?
Yes. The Subaru BRZ is considered 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.
Methodology
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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Sources
- edmunds. "Toyota GR86 vs Subaru BRZ - Car Comparison."
- Insurify. "Car Models With the Most Speeding Tickets (2025)."
- Farm Bureau Financial Services. "Automatic vs. Manual Cars — Costs to Consider."
- IIHS. "2023 Subaru BRZ."
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.
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Learn more about us, our team, and what makes us tick.
)
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.