Subaru BRZ Car Insurance Cost 2022

Below is a list of the best Subaru insurance rates voted by readers and compiled and edited by our team, let’s find out

Subaru BRZ car insurance at a glance:

  • Average annual cost of auto insurance for a 30-year-old driver: $2,309
  • Most affordable insurance companies for Subaru BRZ insurance:
  • USAA, Geico and Nationwide
  • Cheapest state for BRZ insurance: Maine
  • Most expensive state for BRZ insurance: Michigan

The Forbes Wheels team has judged the Subaru BRZ to be worthy of your consideration if you are in the market for a sports car under $30,000. While the plastic interior materials might feel a bit cheap, that doesn’t mean you should skimp on good car insurance. Here we look at average insurance costs for a Subaru BRZ.

Subaru BRZ Insurance Costs by Company

Subaru BRZ owners could save hundreds of dollars per year by comparing car insurance quotes. Among the large insurance companies we looked at, USAA offers the cheapest car insurance for a Subaru BRZ. If you are not eligible for USAA car insurance as a military member, veteran or family member, Geico and Nationwide are the next cheapest options in our analysis.

Related: The best car insurance companies

Subaru BRZ Insurance Costs by State

State variations in Subaru BRZ insurance costs are due to state regulations, past claims in the state, medical costs, repair costs and more. Michigan is the most expensive state for Subaru BRZ insurance.

Cost of Insurance for a Subaru BRZ Based on Driver Age

The cheapest age for insuring a Subaru BRZ is age 60, according to Forbes Advisor’s analysis of rates.

The most expensive age to insure a BRZ is age 20 and under. Two decades later, at age 40, the Subaru BRZ insurance cost is 52% cheaper.

Women and men pay about the same to insure a BRZ, regardless of age. For example, 40-year-old women drivers pay only $9 less per year than 40-year-old men.

Several factors go into determining your car insurance rate, such as your driving record, where you live, car type and intended use (i.e., personal versus business), credit-based insurance score, claims history, any recent lapse in coverage, and the type and amount of insurance coverage chosen.

Related: 9 Factors That Affect Your Car Insurance Rates

Subaru BRZ Car Insurance vs Similar Cars

If you’re shopping for a BRZ, you might also be looking at a Hyundai Veloster, Mazda MX-5 Miata Sport or Toyota GR86. Among these models, the Mazda is the cheapest to insure (28% cheaper than the BRZ). The GR86 costs 46% more to insure than the BRZ. Insurance should be a factor in your car-buying decision among these cars.

How to Save Money on Subaru BRZ Car Insurance

Here are a few tips to lower your car insurance costs:

  • Compare insurance prices. Not all insurers price their policies the same for a Subaru BRZ. The best way to find a good price is to compare car insurance quotes from several different insurers.
  • Ask for discounts. There are more than a dozen types of common car insurance discounts that you may qualify for.
  • Buy the right amount of car insurance. While you don’t want to be underinsured, you also don’t want to overpay for coverage you don’t need. Here is a guide to determining how much car insurance you need.
  • Choose a higher deductible. Generally, the higher your car insurance deductible, the less you will pay in premiums. Common deductible amounts range from $100 to $1,000 (or higher).
  • Maintain good credit. Most insurers use credit-based insurance scores as a cost factor (in the 46 states where this practice is allowed). But not all companies weigh credit the same, which is why it’s crucial to shop around for the best prices.
  • Track your good driving habits. Most insurance companies offer a usage-based insurance program, which tracks driving habits (like speeding or distracted driving) and rewards good drivers with discounts.

Related: Subaru BRZ review


Rates are based on drivers with a clean record with $100,000 in bodily injury liability coverage per person, $300,000 per accident and $100,000 in property damage liability, uninsured motorist coverage and any other coverage required in a state. The rate also includes collision and comprehensive coverage with a $500 deductible. Rates are from Quadrant Information Services as of June 2022.

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