The Subaru BRZ is a lightweight sports car coupe that first debuted in the U.S. in 2013. The 2026 BRZ comes with a 4-cylinder boxer engine that produces 228HP. No matter which type of Subaru BRZ you drive, it needs to be protected with the right car insurance.
When it's time to find the best Subaru BRZ insurance, an independent insurance agent can assist you. These agents know where to get the right Subaru insurance at a great rate. But first, here's a closer look at how much it costs to insure a Subaru BRZ by model year and top-rated insurance company in 2026.
Key Takeaways - Subaru BRZ Car Insurance
Subaru BRZ insurance costs an average of $2,584 per year, or approximately $215 per month, for full coverage in 2026.
Subaru BRZ insurance costs vary widely by state, with drivers in Wyoming paying an average of only $41 monthly for minimum coverage, while those in Louisiana pay $217.
USAA, Progressive, and American Family are the cheapest carriers for model-year 2025 Subaru BRZ insurance this year.
Your age, location, credit, trim level, and driving history are all major factors that can influence the cost of Subaru BRZ insurance.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Subaru BRZ model.
What Is Subaru BRZ Insurance?
Subaru BRZ insurance is a specialized car insurance policy that includes customized coverage for your specific vehicle. As a sports coupe, the BRZ may require additional coverage beyond that needed by standard sedans. However, the BRZ's average car insurance rates trend cheaper than those for similar vehicles in its class.
Recommended coverage options for Subaru BRZ drivers:
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving an uninsured or underinsured driver, or after a hit-and-run.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
Add-on coverage options worth considering for a Subaru BRZ:
- Subaru warranty insurance: This can extend Subaru's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Gap insurance: If you have a new or financed Subaru vehicle, this coverage can pay the difference between the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Subaru parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
A local independent insurance agent can help you get set up with all the required Subaru BRZ insurance in your state. Having at least your state's minimum required coverage can help you avoid fines and other penalties for being underinsured.
How Much Does Subaru BRZ Insurance Cost?
The average cost of car insurance for a Subaru BRZ is $2,584 per year, or approximately $215 per month, for full coverage. Minimum coverage for a Subaru BRZ costs an average of $1,338 annually, or approximately $112 monthly. However, several factors can influence the cost of Subaru insurance, including:
- The specific type of BRZ you drive
- Your credit score (where allowed)
- Your driving history
- Annual mileage
- The types and amount of coverage you need
- Vehicle safety features
- Your claims history
- Your location
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Subaru BRZ full coverage insurance or a basic Subaru BRZ liability insurance policy.
Is the Subaru BRZ Expensive to Insure?
Yes and no. While the Subaru BRZ is more expensive to insure than other Subaru models, it's cheaper than other coupes. The table below compares average auto insurance rates for the Subaru BRZ with those for all Subarus and other coupes.
| Vehicle | Average Monthly Cost of Full Coverage |
| Subaru BRZ | $215 |
| All Subarus | $155 |
| All Coupes | $245 |
Average Subaru BRZ Insurance Rates Compared to Similar Vehicles
The Subaru BRZ isn't expensive to insure when compared to many other vehicles in its class. The BRZ's average monthly auto insurance rate is quite comparable to that of the Mercedes SLK, the Jaguar F-Type, and the Toyota GR86. The table below compares the Subaru BRZ's average auto insurance premiums to those of similar vehicles in its class.
| Vehicle | Average Monthly Cost of Car Insurance |
| McLaren GT | $155 |
| Tesla Roadster | $157 |
| Mercedes SLK-Class | $162 |
| Subaru BRZ | $163 |
| Jaguar F-Type | $164 |
| Toyota GR86 | $165 |
| BMW Z4 M | $167 |
Subaru BRZ Insurance Costs by Model Year
Next, we'll break down several model years of the Subaru BRZ and the average insurance costs for each.
| Model Year | Average Annual Cost of Car Insurance |
| 2026 Subaru BRZ* | $2,185 |
| 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 |
*Note: The 2026 BRZ's average rate is a projection based on the evaluation of inflation trends and current market data.
Cheapest Subaru BRZ Car Insurance Companies for 2026
Many carriers across the U.S. offer affordable Subaru BRZ insurance. These top-rated Subaru car insurance companies provide the cheapest model-year 2025 BRZ insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| USAA | $1,890 |
| Progressive | $1,963 |
| American Family | $2,317 |
| Nationwide | $2,334 |
| Erie | $2,545 |
| Allstate | $5,029 |
Subaru BRZ Car Insurance Rates by State
Location is one of the biggest factors that influences car insurance premium calculations. Here are some average auto insurance rates for the Subaru BRZ by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Alabama | $98 | $185 |
| Alaska | $77 | $164 |
| Arizona | $146 | $271 |
| Arkansas | $91 | $202 |
| California | $108 | $219 |
| Colorado | $107 | $257 |
| Connecticut | $152 | $260 |
| Delaware | $148 | $250 |
| Florida | $133 | $308 |
| Georgia | $152 | $250 |
| Hawaii | $56 | $127 |
| Idaho | $62 | $127 |
| Illinois | $103 | $193 |
| Indiana | $72 | $142 |
| Iowa | $63 | $151 |
| Kansas | $80 | $186 |
| Kentucky | $137 | $231 |
| Louisiana | $217 | $456 |
| Maine | $57 | $120 |
| Maryland | $166 | $280 |
| Massachusetts | $110 | $235 |
| Michigan | $170 | $331 |
| Minnesota | $95 | $195 |
| Mississippi | $102 | $199 |
| Missouri | $141 | $276 |
| Montana | $85 | $200 |
| Nebraska | $81 | $184 |
| Nevada | $190 | $342 |
| New Hampshire | $79 | $140 |
| New Jersey | $176 | $290 |
| New Mexico | $90 | $201 |
| New York | $129 | $231 |
| North Carolina | $89 | $175 |
| North Dakota | $70 | $153 |
| Ohio | $85 | $164 |
| Oklahoma | $101 | $224 |
| Oregon | $131 | $229 |
| Pennsylvania | $99 | $230 |
| Rhode Island | $137 | $242 |
| South Carolina | $113 | $210 |
| South Dakota | $62 | $186 |
| Tennessee | $87 | $176 |
| Texas | $134 | $275 |
| Utah | $116 | $198 |
| Vermont | $55 | $129 |
| Virginia | $106 | $172 |
| Washington | $101 | $188 |
| West Virginia | $97 | $196 |
| Wisconsin | $74 | $162 |
| Wyoming | $41 | $129 |
Average Subaru BRZ Insurance Rates by Trim Level
Your vehicle's specific trim level can also impact the cost of Subaru BRZ insurance. Here are some average Subaru BRZ car insurance rates by trim level in 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Series.Gray Coupe 2d | $86 | $167 |
| TS Coupe 2d | $96 | $186 |
| Limited Coupe 2d | $99 | $191 |
| Premium Coupe 2d | $103 | $199 |
| Premium | $110 | $214 |
| Limited | $118 | $229 |
| TS | $127 | $246 |
| Series.Purple | $128 | $247 |
| Series.Blue Coupe 2d | $144 | $277 |
| Series.Hyperblue Coupe 2d | $182 | $351 |
| Series.Yellow Coupe 2d | $206 | $396 |
Average Subaru BRZ Insurance Rates by Driver Age and Profile
Additional factors that can influence car insurance premiums include your age, driving history, and credit. Teens and young drivers pay the highest average insurance rates for a Subaru BRZ. Auto insurance premiums tend to decline considerably starting around age 25.
However, once a driver reaches about age 65, car insurance rates begin to climb through their senior years. Here are some average Subaru BRZ insurance rates by driver age and profile for 2026.
| Driver Age | Clean Record | Accident in Record | Poor Credit |
| 18 | $7,604 | $11,179 | $13,097 |
| 20 | $5,882 | $8,630 | $10,112 |
| 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 |
Best Subaru BRZ Insurance Discounts: How to Lower Your Subaru BRZ Insurance Premiums
It's easy to save money on your Subaru BRZ insurance when you know some common strategies. Just follow any of these simple tips below to potentially increase your savings:
- Ask about Subaru BRZ insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Ask about telematics programs: Your insurance company or Subaru may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Compare quotes from multiple carriers: Comparing Subaru BRZ insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Subaru BRZ insurance from a trusted carrier near you.
Working with a local independent insurance agent is a great way to get matched to the most affordable Subaru BRZ insurance in your area. Your agent can also recommend additional tips to help reduce your premiums even further.
An Independent Insurance Agent Can Help You Get the Best Subaru BRZ Insurance Quotes
When it's time to find the most affordable Subaru BRZ insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Subaru BRZ insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to lower your premium rates even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Subaru BRZ Insurance
How much does Subaru BRZ insurance cost per year?
The average annual cost of full coverage for a Subaru BRZ is $2,584 per year, or approximately $215 per month. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Subaru BRZ insurance premiums?
Having accidents or traffic violations on your record, poor credit, previous car insurance claims, and living in a high-theft rate area can all increase the cost of Subaru BRZ insurance.
Is the Subaru BRZ expensive to insure?
No, the Subaru BRZ isn't expensive to insure when compared to similar vehicles in its class, including the Mercedes SLK and the Jaguar F-Type.
What are the best and cheapest carriers for Subaru BRZ insurance in 2026?
We found that USAA, Progressive, and American Family are the best and cheapest car insurance companies for model-year 2025 Subaru BRZ insurance this year.
Is insurance cheaper for the Subaru BRZ than for other Subarus?
No, the BRZ's average monthly car insurance rate of $215 is higher than the $155 average for other Subaru vehicles.
How can I get cheaper Subaru BRZ insurance?
Finding cheaper Subaru BRZ insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.moneygeek.com/insurance/auto/subaru-brz-insurance/
https://www.thezebra.com/auto-insurance/vehicles/subaru/brz/
https://www.insuranceopedia.com/auto-insurance/subaru-brz-car-insurance
https://www.insuranceopedia.com/auto-insurance/subaru-impreza-car-insurance