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Subaru BRZ insurance rates

Average BRZ insurance cost? $185. Style doesn’t always mean top-dollar cost — see our sample quotes.

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The average cost of car insurance for a 2020 Subaru BRZ is $185.16 a month —or $2,221.92 a year. However, your actual costs depend on your driving history, car model, location and other factors.

We pulled Subaru BRZ car insurance quotes from top insurance companies to find that the average monthly cost to insure a 2020 Subaru BRZ is $185.16. However, an older model may score you lower rates.

Model YearProgressiveGeicoState FarmFarmersAverage
2013 Subaru BRZ$101.07$104.96$191.90$190.85$147.20
2016 Subaru BRZ$111.57$118.04$215.65$197.55$160.70
2020 Subaru BRZ$129.41$131.53$249.13$230.55$185.16

How we got these rates

Our rates are based on a single 30-year old driver with a clean driving history living in California. California is one of seven states that don’t use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:

  • Bodily injury liability per person: $50,000
  • Bodily injury liability per accident: $100,000
  • Property damage liability: $50,000
  • Comprehensive deductible: $500
  • Collision deductible: $500
  • Medical payments: $5,000
  • Uninsured motorist bodily injury: $50,000/$100,000
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How to compare insurance for the Subaru BRZ

Compare your options to decide which company works best for driving your BRZ around town. Knowing what to look for can help you reduce the cost and find coverage that is tailored to your situation.

  • Price. Many providers claim to have the best price, but that doesn’t mean much if you’re not comparing similar policies. Use the same vehicle and driver details to accurately compare your options.
  • Deductible. Your deductible amount can directly affect the cost of insurance, so it’s important to choose an amount that fits your monthly budget.
  • Minimum coverage. Before committing to a policy, it’s essential that you make sure it meets your state’s minimum coverage requirements.
  • Additional coverage. There are a number of additional coverage options available through insurance providers. Be sure to include any choices when getting quotes to get an accurate estimate.
  • Extras. Since policy features can vary between providers, it’s important to find out what each policy includes and what you’ll need to pay extra for.
  • Restrictions. Find out if any restrictions apply to your policy to avoid gaps in coverage or denied claims.
  • Manufacturer offer or loyalty discount. Find out if your manufacturer has any special offers or loyalty discounts through partnerships with insurance providers.
  • Warranty. Find out what’s covered by your manufacturer or extended warranty to avoid paying for overlapping coverage.

What factors affect car insurance rates for Subaru BRZ?

While the BRZ was developed as a performance vehicle, it has great safety features and crash test ratings, meaning you should find coverage from any major insurer. That said, you may end up paying higher premiums due to its design and lackluster reliability. How the Subaru BRZ’s characteristics might affect the cost of insurance:

  • Body type. The BRZ is a two-door coupe that’s designed for performance. This may lead to higher premiums.
  • Type of car. The Subaru BRZ is a performance vehicle that may be capable of high speeds, which could make it more expensive to insure.
  • Theft. Sports cars like the Subaru BRZ are stolen less often than other vehicles, which should make insurance more affordable.
  • Repairs. While most BRZs won’t need frequent maintenance, repairs can be expensive. This could lead to more expensive auto insurance.
  • Safety ratings. The 2018 BRZ has great crash test ratings in almost every category, which could lead to cheaper auto insurance.
  • Fuel type. The BRZ runs on gas, which makes it cheaper to insure compared to diesel, hybrid or electric vehicles.
  • Trim & packages. Choosing models or trims that increase power or overall value could make the BRZ more expensive to insure. However, adding features that improve visibility or safety could make insurance cheaper.

    Does the Subaru BRZ qualify for auto insurance discounts?

    You could save money on car insurance for your Subaru BRZ if it comes equipped with these safety features.

    • New car discount
    • Anti-lock brake discount
    • Anti-theft discount
    • Passive restraint discount (Airbags, motorized seat belts, etc.)
    • Emergency roadside assistance discount

    Subaru BRZ safety & reliability ratings

    The Subaru BRZ has been around since 2013 and was jointly developed by Subaru and Toyota. The sports car is known for its athletic handling, comfortable seating and strong engine. The Subaru BRZ was named one of the Top Ten Best Cars in 2013 by Car and Driver.

    U.S. News and J.D. Power give the Subaru BRZ an impressive 9.2/10 safety rating. On top of that, this vehicle holds strong crash test ratings in nearly every category according to the IIHS.

    According to U.S. News and J.D. Power, the 2018 BRZ was rated 3/5 stars for reliability, which is about average for vehicles in its class.

    Subaru BRZ maintenance

    The BRZ is a two-door coupe that’s designed for performance and capable of higher speeds than the average vehicle. Its sport tuning and performance-oriented design may require more frequent maintenance compared to economy and luxury vehicles, especially if it’s subject to heavy use. That said, even simple routine maintenance can extend the life of the vehicle and ensure it runs as it should. Here’s what to expect:

    • Subaru recommends service appointments every 6 months or 6,000 miles, whichever comes first. The first appointment includes replacing the engine oil and filter, inspecting various components and servicing the battery.
    • Oil changes should cost between $75 and $150, but your price may vary depending on the repair shop you visit.
    • The BRZ has an average annual repair cost of over $650, which is above average for similar vehicles.
    • Subaru suggests that owners have their BRZ serviced every 6,000 miles or 6 months, whichever comes first. Speak to your dealer or consult your owner’s manual to find out what each service includes.

    Is an extended warranty worth it for the Subaru BRZ?

    The BRZ is backed by Subaru’s New Car Limited Warranty, which covers defective OEM parts and service for 3 years or 36,000 miles. It also comes with a 5-year/60,000 mile powertrain warranty, 3-year/36,000-mile Wear Item Limited Warranty, 5-year rust warranty and 3 years/36,000 miles of roadside assistance.

    “Added Security” is Subaru’s lineup of extended service agreements and maintenance plans. They are available in terms of up to 7 years/100,000 miles. Contact your dealership for full coverage details on each of these plans. Subaru’s hold lower reliability ratings than most cars and are designed for performance, so you may want to consider one of the plans.

    Compare Subaru competitors

    Explore other Subaru models or compare similar options from different manufacturers.

    Bottom line

    The Subaru BRZ is a groundbreaking two-door sports coupe that offers exceptional performance at an affordable price point. However, repair costs are higher than average, which could increase the cost of insurance. That said, the BRZ comes packed with a number of safety features that could be eligible for auto insurance discounts. Compare your options to find coverage and discounts tailored to your situation.

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    Peter Carleton is a freelance writer that covers banking and investing, breaking down what you need to know about where you put your money. When Peter's not thinking about cutting-edge banking apps and robo-advisors, he runs a creative agency and spends his spare time cooking or reading. See full bio

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