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Subaru BRZ Car Insurance: Cost, Coverage and Quote Guide
Reviewed by the AtozInsuranceusa editorial team.
Subaru BRZ car insurance costs about $186 per month on average across coverage levels, according to Compare.com data updated in September 2026. Liability coverage averages about $112 per month, while full coverage averages about $259 per month. These figures provide useful benchmarks, but they are not guaranteed rates. Your actual premium can change based on your age, state, ZIP code, driving history, BRZ model year, coverage limits, deductible, mileage, insurer, and other factors permitted under state law.
The BRZ is a compact sports car. Subaru equips the 2026 model with a 228 horsepower 2.4 liter SUBARU BOXER engine and rear wheel drive. Subaru currently lists the 2026 BRZ Limited at $35,860 and the BRZ tS at $38,360 before applicable fees and options. Vehicle value, performance, claims experience, repair costs, driver characteristics, and chosen coverage can all affect insurance pricing.
The 2026 BRZ also includes standard EyeSight Driver Assist Technology, including manual transmission versions. IIHS gives the current BRZ Good ratings in its available small overlap front and headlight evaluations and rates its standard daytime pedestrian front crash prevention system Superior.
How Much Does Subaru BRZ Car Insurance Cost?
Current Compare.com data reports the following average Subaru BRZ insurance costs:
Coverage Type | Average Monthly Cost | Estimated Annual Cost |
Liability coverage | $112 | $1,344 |
Full coverage | $259 | $3,108 |
Overall average | $186 | $2,232 |
The annual figures above multiply the reported monthly averages by 12 for easier budgeting. They do not represent guaranteed annual premiums.
Compare.com states that it combines recent customer quotes with insurance rate information developed with Quadrant Information Services. Actual quotes vary by driver.
Your personalized rate can fall well below or above these averages.
Is the Subaru BRZ Expensive to Insure?
The Subaru BRZ tends to cost more to insure than the average vehicle, especially for full coverage.
Compare.com’s current dataset reports an average full coverage BRZ premium of $259 per month compared with about $216 across all vehicles. Its overall BRZ average is $186 compared with $166 across all vehicles.
Vehicle Group | Liability Coverage | Full Coverage | Overall Average |
Subaru BRZ | $112 | $259 | $186 |
All vehicles | $116 | $216 | $166 |
The BRZ does not cost more in every situation. A driver with a clean record and favorable rating factors may receive a lower BRZ quote than another driver with a less powerful vehicle.
Insurance companies evaluate the complete risk rather than pricing a car based only on its sports car label.
Why Can Subaru BRZ Insurance Cost More?
Several vehicle and driver factors can affect BRZ insurance prices.
The National Association of Insurance Commissioners explains that insurers may consider driving record, claims history, garaging location, age or driving experience, vehicle type, mileage, vehicle use, coverage limits, deductibles, and other factors. State laws determine which rating factors companies may use.
The BRZ Is a Sports Car
Subaru describes the 2026 BRZ as a compact sports car with a rear wheel drive layout, 228 horsepower engine, track tuned suspension, and available performance tires.
An insurer may consider vehicle performance along with past claims data, repair exposure, vehicle value, and driver behavior.
Performance alone does not determine the premium.
Vehicle Value Can Affect Physical Damage Coverage
Subaru currently lists these starting prices:
2026 BRZ Trim | Starting Price |
BRZ Limited | $35,860 |
BRZ tS | $38,360 |
Both trims use a 2.4 liter SUBARU BOXER four cylinder engine. The TS includes performance focused equipment such as STI tuned suspension.
A higher vehicle value can increase an insurer’s potential cost after a serious covered loss, but price alone does not determine the insurance premium.
Sports Car Claims Experience Can Matter
Insurers calculate premiums based partly on expected future claims.
Vehicle type, prior claim patterns, repair expense, parts prices, and accident severity can contribute to how a company rates a particular vehicle.
Different insurers can evaluate the BRZ differently, which makes comparison shopping useful.
Subaru BRZ Insurance Cost by Model Year
Newer BRZ models generally cost more in Compare.com’s current dataset than older versions.
BRZ Model Year | Average Monthly Premium |
2025 | $225 |
2024 | $225 |
2023 | $224 |
2022 | $224 |
2020 | $216 |
2019 | $206 |
2018 | $195 |
2017 | $192 |
2016 | $186 |
2015 | $182 |
2014 | $179 |
2013 | $170 |
These figures represent overall model year averages in Compare.com’s dataset. They do not represent full coverage quotes for every driver.
The source does not yet provide a separate 2026 BRZ average in this model year table. Drivers purchasing a 2026 BRZ should request a quote using the exact vehicle information rather than applying a 2025 rate to the newer vehicle.
How Does Driver Age Affect Subaru BRZ Insurance?
Age and driving experience can have a major effect on BRZ insurance rates where state law allows insurers to use those factors.
Compare.com currently reports these average BRZ premiums:
Driver Group | Average Monthly Premium |
Teen drivers | $357 |
Adult drivers | $186 |
Senior drivers | $160 |
Teen drivers pay considerably more in this dataset.
A young driver can ask insurers about good student discounts, driver education discounts, household policy options, telematics programs, and available safe driving discounts.
The insurer must still evaluate the actual driver before determining a rate.
How Does Your Driving Record Affect BRZ Insurance?
Driving history can change Subaru BRZ insurance rates significantly.
Compare.com’s current BRZ data shows these averages:
Driving Record | Average Monthly Premium |
Clean driving record | $186 |
Speeding ticket | $249 |
At fault accident | $266 |
DUI | $312 |
These figures show general differences within the dataset. Your actual increase after a violation or accident depends on your state, insurer, driving history, violation, and other factors.
Maintaining a clean record can improve your chances of finding competitive insurance pricing.
Is the Subaru BRZ Considered a Sports Car for Insurance?
Subaru itself markets the BRZ as a compact sports car, but insurance companies do not all use one universal sports car classification.
The 2026 BRZ has a rear wheel drive layout, 228 horsepower engine, two door body style, sport focused suspension, and available performance equipment.
An insurer may place the BRZ in a performance oriented vehicle group, but it still considers the driver, location, vehicle value, claims history, mileage, coverage, and other rating information.
Ask for a quote based on the exact vehicle identification number if you want the most relevant price.
BRZ Limited vs BRZ tS Insurance
The BRZ Limited and BRZ tS use the same basic 2.4 liter engine, but their equipment and starting prices differ.
Feature | BRZ Limited | BRZ tS |
Starting price | $35,860 | $38,360 |
Engine | 2.4 liter BOXER | 2.4 liter BOXER |
Automatic transmission | Available | Not available |
Performance focus | Standard BRZ setup | STI tuned suspension |
Rear wheel drive | Yes | Yes |
Subaru lists these specifications for the 2026 model year.
The tS may cost more to insure for some drivers because of differences in value and equipment. However, insurers do not apply one fixed TS surcharge nationwide.
Request quotes for both exact vehicles using the same driver, location, coverage limits, and deductibles.
What Coverage Should You Consider for a Subaru BRZ?
The right coverage depends on your state’s requirements, financial situation, vehicle value, loan status, and how much risk you want to keep yourself.
Liability Coverage
Liability insurance can help pay for covered injuries and property damage you legally cause to another person.
Bodily injury liability addresses qualifying injuries. Property damage liability addresses qualifying damage to vehicles or other property.
Most states require liability coverage or other financial responsibility. Required limits differ by state.
The legal minimum may provide less protection than you want after a serious accident.
Collision Coverage
Collision coverage can pay for covered damage to your BRZ after hitting another vehicle or object or after certain rollover losses.
You normally select a deductible.
The deductible represents the amount you pay toward a covered claim before the insurer pays its portion according to the policy.
Comprehensive Coverage
Comprehensive coverage can protect the BRZ against covered damage that does not result from a collision.
Examples can include:
- Theft
- Fire
- Hail
- Flood
- Windstorm
- Vandalism
- Falling objects
- Certain animal impacts
Coverage remains subject to policy terms, limits, exclusions, and deductibles.
Uninsured and Underinsured Motorist Coverage
Uninsured motorist coverage may help if an uninsured driver causes a qualifying loss.
Underinsured motorist coverage can apply when an at fault driver does not carry enough insurance to fully cover a qualifying loss.
The NAIC reports that an estimated 15.4 percent of motorists were uninsured in 2023, equal to about one in seven drivers. State requirements vary.
Medical Payments or Personal Injury Protection
Your state or insurer may offer medical payments coverage or personal injury protection.
These coverages can help pay certain medical expenses after a crash.
Personal injury protection can also include other benefits in some states.
Check your state rules and policy terms.
Do You Need Full Coverage on a Financed Subaru BRZ?
If you finance a Subaru BRZ, your lender generally requires collision and comprehensive coverage.
The NAIC states that an auto lender requires full coverage when you have an auto loan, which means carrying collision and comprehensive coverage in addition to required liability protection.
Your lender may also set deductible requirements.
Review full coverage requirements on a financed car before changing coverage on a financed BRZ.
If you own the vehicle without a loan, you can decide whether collision and comprehensive coverage still make financial sense.
Consider:
- Current BRZ value
- Collision premium
- Comprehensive premium
- Deductibles
- Your savings
- Your ability to replace the car after a total loss
Vehicle age alone should not make the decision for you.
Should You Keep Full Coverage on an Older BRZ?
An older BRZ may still have enough value to justify physical damage coverage.
For example, a driver who owns a 2016 BRZ outright may compare the current market value with the annual collision and comprehensive premium and the deductible.
Dropping physical damage coverage means accepting the financial risk of damage to your own vehicle from many losses.
Read our guide to full coverage on a used car before removing coverage.
Do BRZ Safety Features Lower Insurance Costs?
Safety equipment can affect insurance pricing, but a safety feature does not automatically create a discount.
The 2026 BRZ includes standard EyeSight Driver Assist Technology on all trims, including manual transmission models. Subaru lists Pre Collision Braking, Blind Spot Detection, and Rear Cross Traffic Alert among its safety technology.
IIHS reports:
IIHS Evaluation | 2026 BRZ Result |
Small overlap front | Good |
Headlights | Good |
Daytime pedestrian front crash prevention | Superior |
Seat belt reminders | Good |
LATCH ease of use | Acceptable |
The available IIHS ratings apply in part to tests conducted on earlier vehicles within the same 2022 through 2026 design generation.
Ask each insurer whether specific safety or anti theft equipment qualifies for a discount.
Do not assume an IIHS rating alone will lower your premium.
Can BRZ Modifications Affect Your Insurance?
Yes, modifications can affect insurance coverage, valuation, eligibility, or price.
BRZ owners sometimes change:
- Wheels
- Tires
- Suspension
- Exhaust systems
- Intake components
- Body parts
- Electronics
- Engine related components
Ask your insurer before making major changes.
Find out:
- Whether you must report the modification
- Whether the added part receives coverage
- Whether you need custom equipment protection
- How the insurer values aftermarket equipment
- Whether performance changes affect eligibility
Standard auto insurance may not automatically pay the full cost of every aftermarket upgrade.
Does a Manual BRZ Cost More to Insure?
A manual transmission does not create one standard insurance surcharge across all companies.
Subaru offers a six speed manual transmission on the 2026 BRZ, while an automatic transmission is available on the Limited. The TS comes with the manual transmission.
An insurer generally evaluates the entire vehicle and driver profile rather than pricing the transmission by itself.
Use the exact vehicle identification number when requesting quotes so the insurer can identify the correct configuration.
How Can You Lower Subaru BRZ Car Insurance Costs?
No method guarantees a lower premium, but several steps can improve your chances of finding a competitive rate.
Compare Several Insurance Companies
Different insurers can charge different prices for the same driver and BRZ.
Compare quotes using identical coverage.
Keep Coverage Limits Consistent
A $150 quote and a $220 quote may not represent equal insurance.
One may carry lower liability limits or higher deductibles.
Compare the protection first, then compare the price.
Ask About Available Discounts
The NAIC notes that insurers may offer discounts related to factors such as multiple policies, multiple vehicles, driving courses, mileage, and vehicle protection equipment. Availability varies by insurer and state.
Ask about discounts rather than assuming they automatically appear.
Compare Deductibles
Higher collision and comprehensive deductibles can lower premiums.
The NAIC advises drivers to choose a deductible they could afford if the vehicle suffers covered damage.
Report Mileage Accurately
Annual mileage can affect insurance pricing.
If you drive your BRZ mainly on weekends and travel fewer miles, ask whether your insurer offers a low mileage or usage based option.
Maintain a Clean Driving Record
Current BRZ rate data shows substantial differences between drivers with clean records and drivers with violations or accidents.
Safe driving can protect both your finances and future insurance options.
Subaru BRZ vs Subaru WRX Insurance
The BRZ and WRX appeal to performance car shoppers, but they use different layouts.
The 2026 BRZ uses rear wheel drive and a 228 horsepower engine. The WRX uses standard all wheel drive and a 271 horsepower turbocharged engine.
Current Compare.com data places average BRZ insurance at about $186 per month and WRX insurance at about $176 per month across coverage levels. These figures come from separate model datasets and should serve only as general comparison benchmarks.
Do not assume a WRX will always cost less.
Request quotes for both exact vehicles using the same driver and coverage details.
Is the Subaru BRZ Cheaper to Insure Than the Toyota GR86?
The Subaru BRZ and Toyota GR86 share many design characteristics, but insurers may price them differently.
Compare.com’s current GR86 analysis reports an average of about $250 per month for the Toyota GR86. Its current BRZ page reports an overall average of about $186 per month. The company warns that actual quotes vary based on the driver.
These published averages do not prove that the BRZ will cost less for you.
The cleanest comparison is to quote both vehicles using:
- The same driver
- The same ZIP code
- The same coverage limits
- The same deductibles
- The same annual mileage
- Comparable model years
What Information Do You Need for a BRZ Insurance Quote?
Prepare accurate information before requesting quotes.
You may need:
- Driver names
- Dates of birth
- Driver license information
- Garaging address
- Vehicle identification number
- BRZ model year
- BRZ trim
- Annual mileage
- Vehicle use
- Current insurance information
- Driving history
- Desired liability limits
- Collision deductible
- Comprehensive deductible
The NAIC recommends gathering driver license, registration, and existing policy information when comparing auto insurance quotes.
How to Compare Subaru BRZ Insurance Quotes
Compare equal coverage before choosing a policy.
Quote Detail | What to Check |
Liability limits | Keep limits equal |
Collision coverage | Include the same protection |
Collision deductible | Use the same amount |
Comprehensive coverage | Match coverage |
Comprehensive deductible | Use the same amount |
Uninsured motorist coverage | Match limits |
Listed drivers | Use identical driver information |
Annual mileage | Report the same accurate mileage |
Vehicle | Use exact model year and trim |
Optional coverage | Compare the same options |
Total premium | Compare final cost |
A lower premium may simply reflect less coverage.
Read the quote details before deciding.
Can You Insure a BRZ Before Buying It?
Yes, you can request insurance quotes before buying a Subaru BRZ.
This can help you understand the total ownership cost before committing to the vehicle.
Once you choose a specific BRZ, provide the vehicle identification number when possible and confirm the policy effective date before driving away.
If you need coverage to begin quickly, review same day car insurance options.
A quote alone does not prove that insurance coverage has started.
Common Subaru BRZ Insurance Mistakes
Assuming Every BRZ Has the Same Rate
A 2013 BRZ and a 2026 BRZ differ in age, value, equipment, and repair exposure.
Quote the exact vehicle.
Choosing Coverage Only by Price
Cheaper insurance may carry lower liability limits or higher deductibles.
Compare coverage before price.
Failing to Disclose Regular Drivers
Provide accurate information about household members and regular drivers according to insurer requirements.
Do not leave someone off the policy only to try to reduce the price.
Ignoring Modifications
Tell the insurer about material vehicle changes when required.
Otherwise, you may misunderstand how the policy treats aftermarket equipment.
Dropping Physical Damage Coverage on a Financed BRZ
A lender can require collision and comprehensive coverage.
Review your finance agreement before changing coverage.
Assuming Safety Technology Guarantees a Discount
The BRZ has useful driver assistance technology, but the insurer determines whether specific equipment earns a discount.
Frequently Asked Questions
Compare.com currently reports an overall average of about $186 per month for a Subaru BRZ. Liability coverage averages about $112 per month, while full coverage averages about $259. Your actual rate can differ based on age, location, driving history, model year, coverage, and insurer.
Subaru markets the BRZ as a compact sports car. Insurance companies may classify it as a performance oriented vehicle, but each insurer uses its own rating system. Your premium still depends on your driver profile, location, coverage, vehicle details, and other factors.
It can be. Compare.com's current data places average BRZ insurance for teen drivers at about $357 per month compared with $186 for adults. Individual teen rates can differ substantially based on state, household policy, driving history, coverage, and insurer.
It can. Compare.com reports an average BRZ premium of $186 per month for drivers with clean records compared with $249 for drivers with a speeding ticket. Your actual increase depends on your state, insurer, violation, and driving history.
A lender generally requires collision and comprehensive coverage when you finance a vehicle. You must also satisfy your state's liability or financial responsibility requirements. Check the loan agreement for exact coverage and deductible requirements.
Current Compare.com data shows a lower overall average for the BRZ than the GR86, but that does not mean every BRZ driver will pay less. Compare personalized quotes for both vehicles using the same driver, model year, location, limits, and deductibles.
Compare Subaru BRZ Insurance Before You Buy or Renew
The Subaru BRZ gives drivers a rear wheel drive sports car with a 228 horsepower engine and performance focused design. Those characteristics can influence insurance costs, but they do not determine your premium by themselves.
Current data places average BRZ insurance near $186 per month across coverage levels, with full coverage averaging about $259 per month. Your actual cost can change substantially based on your age, driving record, location, BRZ model year, coverage, deductible, mileage, and insurer.
Compare several quotes using the same coverage limits and deductibles. Check lender requirements if you finance the vehicle, report regular drivers accurately, and discuss modifications with your insurer.