Subaru BRZ Car Insurance Quotes (2026)
Subaru BRZ owners pay an average of $131 per month for liability insurance and $246 for full coverage.
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Anna BaluchAuto and Home Insurance Writer
4+ years writing insurance and personal finance content
MBA from Roosevelt University
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Sara GetmanAssociate Editor
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Host of Insurify‘s podcast “No Dumb Questions“
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Reviewed byJohn Leach
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John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
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Known for its powerful handling, the Subaru BRZ is a popular two-door, rear-wheel-drive sports car. The average car insurance rate for the BRZ is $131 per month for liability-only insurance and $246 per month for full coverage.
Compared to similar vehicles, such as the Mazda MX-5 Miata and the Ford Mustang, the BRZ has higher car insurance costs. But it’s more affordable to insure than its companion car, the Toyota GR86.
Here’s what you need to know about auto insurance for the Subaru BRZ.
Quick Facts
USAA, GEICO, and State Farm offer the lowest car insurance rates for the Subaru BRZ.
Depending on the model year, Subaru BRZ insurance costs up to $212 per month for liability-only coverage.
A 2025 BRZ has an MSRP of $31,210 for the base model.
Cost of Subaru BRZ insurance by model year
Your car’s model year — as well as other factors like your location, age, and driving record — help determine your car insurance costs. The 2022 Subaru BRZ has the cheapest average car insurance premiums, at $100 per month. Rates for the 2016 BRZ are the most expensive, at $212 per month.
Here are the average monthly quotes for Subaru BRZs by year.
Model Year | Average Monthly Quote |
|---|---|
| 2025 | $163 |
| 2024 | $122 |
| 2023 | $135 |
| 2022 | $100 |
| 2020 | $136 |
| 2019 | $169 |
| 2018 | $145 |
| 2017 | $129 |
| 2016 | $212 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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2025 Subaru BRZ insurance
The 2025 Subaru BRZ has a manufacturer’s suggested retail price (MSRP) of $31,210 for the entry-level Premium trim and $36,360 for the top-tier tS. This table shows average monthly rates for the 2025 model year by insurer.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $104 |
| State Farm | $124 |
| Allstate | $137 |
| GEICO | $153 |
| American Family | $158 |
| Progressive | $184 |
| Nationwide | $191 |
| Travelers | $201 |
| Farmers | $241 |
| Liberty Mutual | $304 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2024 Subaru BRZ insurance
The 2024 Subaru BRZ has an MSRP of $31,315.[1] It features a 228 horsepower, 2.4-liter flat-four engine and comes in a six-speed manual or a six-speed automatic transmission. In 2024, Subaru introduced the tS trim level, featuring a retuned suspension, upgraded brakes, and 18-inch dark-gray alloy wheels.
Average monthly quotes for the 2024 BRZ aren’t included below due to insufficient data.
2023 Subaru BRZ insurance
The 2023 Subaru BRZ has an MSRP in the $29,615 to $33,815 range, depending on the trim level. This table highlights average premiums for the 2023 BRZ by car insurance company.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $99 |
| State Farm | $117 |
| Allstate | $131 |
| GEICO | $146 |
| American Family | $150 |
| Progressive | $175 |
| Nationwide | $182 |
| Travelers | $192 |
| Farmers | $230 |
| Liberty Mutual | $289 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2022 Subaru BRZ insurance
The MSRP for the new 2022 Subaru BRZ was between $28,990 and $31,490. The 2022 edition is a fully remodeled version after taking a year off in 2021. It features rear-wheel drive, stiffer steering, and 228 horsepower. Here’s a look at car insurance costs for the 2022 model year, broken down by insurer.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $117 |
| State Farm | $140 |
| Allstate | $155 |
| GEICO | $172 |
| American Family | $179 |
| Progressive | $208 |
| Nationwide | $215 |
| Travelers | $227 |
| Farmers | $273 |
| Liberty Mutual | $344 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2020 Subaru BRZ insurance
The 2020 model year has a starting MSRP of $29,745. Below, you can see the cheapest car insurance companies for the 2020 BRZ.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $105 |
| State Farm | $125 |
| Allstate | $139 |
| GEICO | $154 |
| American Family | $160 |
| Progressive | $186 |
| Nationwide | $193 |
| Travelers | $203 |
| Farmers | $244 |
| Liberty Mutual | $307 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2019 Subaru BRZ insurance
The 2019 BRZ has a starting MSRP between $26,680 for the entry-level model and $31,025 for the highest-level trim. This table shows the average premiums for the 2019 BRZ.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $55 |
| State Farm | $65 |
| Allstate | $73 |
| GEICO | $81 |
| American Family | $84 |
| Progressive | $98 |
| Nationwide | $101 |
| Travelers | $107 |
| Farmers | $128 |
| Liberty Mutual | $161 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2018 Subaru BRZ insurance
The 2018 model year has a starting MSRP of $26,455. Here’s an overview of premiums for the 2018 BRZ from the cheapest insurers.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $87 |
| GEICO | $89 |
| State Farm | $104 |
| Allstate | $115 |
| American Family | $133 |
| Progressive | $155 |
| Nationwide | $161 |
| Travelers | $169 |
| Farmers | $203 |
| Liberty Mutual | $256 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2017 Subaru BRZ insurance
The starting MSRP for the 2017 BRZ is $26,315. Below, you’ll find the most affordable rates for the 2017 BRZ by insurance company.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $100 |
| State Farm | $119 |
| Allstate | $132 |
| GEICO | $146 |
| American Family | $152 |
| Progressive | $176 |
| Nationwide | $183 |
| Travelers | $193 |
| Farmers | $231 |
| Liberty Mutual | $291 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2016 Subaru BRZ insurance
The 2016 BRZ has an MSRP between $26,772 and $28,485. Here, you can see which car insurance companies offer the cheapest premiums for the 2016 model year.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $92 |
| State Farm | $110 |
| Allstate | $123 |
| GEICO | $136 |
| American Family | $141 |
| Progressive | $164 |
| Nationwide | $170 |
| Travelers | $180 |
| Farmers | $215 |
| Liberty Mutual | $271 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Average cost of Subaru insurance by state
Where you live, down to your ZIP code, affects your car insurance rates. Insurers consider the crime and vandalism rates, accident rates, and the climate where you live when setting your premium.
In the table below, you’ll find average Subaru insurance costs by state. Alaska and Hawaii are not included due to lack of data.
Full-Coverage Rates by State
State | Average Monthly Quote |
|---|---|
| Alabama | $119 |
| Arkansas | $214 |
| Arizona | $145 |
| California | $201 |
| Colorado | $183 |
| Connecticut | $279 |
| Delaware | $205 |
| Florida | $192 |
| Georgia | $208 |
| Iowa | $101 |
| Idaho | $104 |
| Illinois | $142 |
| Indiana | $120 |
| Kansas | $137 |
| Kentucky | $181 |
| Louisiana | $185 |
| Massachusetts | $148 |
| Maryland | $282 |
| Maine | $125 |
| Michigan | $231 |
| Minnesota | $163 |
| Missouri | $161 |
| Mississippi | $173 |
| Montana | $138 |
| North Carolina | $78 |
| North Dakota | $114 |
| Nebraska | $146 |
| New Hampshire | $94 |
| New Jersey | $148 |
| New Mexico | $132 |
| Nevada | $234 |
| New York | $393 |
| Ohio | $108 |
| Oklahoma | $148 |
| Oregon | $134 |
| Pennsylvania | $144 |
| Rhode Island | $123 |
| South Carolina | $225 |
| South Dakota | $108 |
| Tennessee | $125 |
| Texas | $197 |
| Utah | $153 |
| Virginia | $160 |
| Vermont | $126 |
| Washington | $133 |
| District of Columbia | $287 |
| Wisconsin | $110 |
| West Virginia | $131 |
| Wyoming | $99 |
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How to ensure you have enough coverage on your Subaru BRZ
Every state except New Hampshire requires drivers to carry a minimum level of car insurance. But you may also invest in optional coverages, like full coverage, for additional protection.
Here are several of the most common insurance coverages for the BRZ:[2]
Liability coverage
States typically require a minimum amount of liability insurance to drive legally. It covers property damage and injuries to the other party after an at-fault accident.
Collision coverage
Collision insurance reimburses you for vehicle damages after an accident, no matter who’s at fault.
Comprehensive coverage
Comprehensive insurance pays for car repairs from non-collision incidents, like fires, theft, vandalism, and accidents with animals.
Gap insurance
Gap insurance is an add-on that protects you financially if you lease or finance your car and your vehicle gets stolen or totaled.
Subaru BRZ car insurance FAQs
If you own a Subaru BRZ or are in the market for one, these questions may help you as you search for the lowest rates.
Which company has the cheapest Subaru BRZ insurance?
USAA offers the most affordable premiums for the BRZ, with average rates of $60 per month for liability insurance and $126 for full coverage. USAA only serves the military community, but you can also find cheap rates from other insurers like GEICO and State Farm.
Are Subaru BRZs expensive to insure?
Car insurance rates for the BRZ are higher than those for similar vehicles, like the Mazda MX-5 Miata and the Ford Mustang. But they’re lower than its companion car, the Toyota GR86, and luxury cars from automakers like BMW, Lexus, and Mercedes-Benz.
How much does it cost to insure a Subaru BRZ?
Drivers who buy or lease a BRZ pay average monthly car insurance premiums of $131 for liability insurance and $246 for full coverage. Your location, age, credit, gender, and driving history will affect your exact car insurance costs.
Is a Subaru BRZ good for a first car?
Yes. Although sports cars aren’t traditionally seen as beginner friendly, the BRZ is highly rated by third-party studies.[3] It’s a solid pick if you’re in search of an affordable sporty car for its safety, performance, and advanced features.[4] But it may not be the right car if you can’t drive a manual transmission and don’t want to upgrade to an automatic.
Sources
- Kelley Blue Book. "Subaru BRZ."
- III. "Auto insurance basics—understanding your coverage."
- Car and Driver. "Best Cars for Teens."
- Subaru. "BRZ."
Methodology
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
)
Anna BaluchAuto and Home Insurance Writer
4+ years writing insurance and personal finance content
MBA from Roosevelt University
Featured in
Sara GetmanAssociate Editor
3+ years in insurance content
Host of Insurify‘s podcast “No Dumb Questions“
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in