How Much Does Car Insurance Cost for a Subaru BRZ?

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The average cost of car insurance for a 2020 Subaru BRZ is $1,642 for a six-month policy. How much you pay for insurance depends on which company you work with, the year and make of your car, and your driver profile and record.

USAA offers the cheapest insurance for this two-door sports car, charging 46% less than the average for a six-month policy. State Farm comes in second place, offering rates that are 35% cheaper than average.

Who has the cheapest car insurance for a Subaru BRZ?

Our research pulled auto insurance quotes from four widely available insurers and found that USAA offers the best deal for a Subaru BRZ. A six-month full-coverage policy from USAA costs only $887 — just about half of what it costs to insure a 2020 BRZ on average.

Cheapest car insurance Subaru BRZ

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State Farm offers the second most affordable rates after USAA. A six-month full-coverage policy for a 2020 Subaru BRZ from State Farm costs $1,065, which is 35% cheaper than average. USAA only offers insurance to members of the military community, so if that doesn't describe you, consider buying a policy from State Farm.

Cheapest car insurance for a Subaru BRZ

Average cost of a six-month policy
USAA logo
State Farm logo
State Farm$1,065
Geico logo
Allstate logo

All quotes for a 2020 Subaru BRZ Limited.

Allstate quoted the highest prices for our sample driver: A six-month policy costs $3,393. That's more than double (107%) the average and almost three times (283%) more costly than what USAA charges.

The cost to insure a Subaru BRZ changes with every company, which shows why it's important to contact multiple insurance companies to find the best deal.

How does driver age impact auto insurance costs for a Subaru BRZ?

Subaru BRZ insurance for an 18-year-old costs much more than a similar insurance policy for an older driver.

Auto insurers charge young Subaru BRZ drivers, on average, $3,983 for a six-month policy. That's 2.4 times more than the average rate for a 30-year-old.

Average cost for Subaru BRZ car insurance for 18-year-old

six-month rate
State Farm$3,169

All quotes for a 2020 Subaru BRZ Limited.

Eighteen-year-old drivers who need insurance for a Subaru BRZ should consider getting a policy from either USAA or Geico. While State Farm offers the second-cheapest rates to a 30-year-old driver, Geico offers the second-cheapest rates to an 18-year-old driver, charging an average of $2,666 for a six-month policy.

USAA offers the cheapest rates overall to an 18-year-old driver, with an average six-month policy of $1,580.

Insurance companies typically raise rates for younger drivers because they lack driving experience and pose a greater risk on the roads. The best way for young drivers to reduce their car insurance costs is to join a parent's or guardian's policy.

How does car age impact car insurance costs for a Subaru BRZ?

The age of your Subaru BRZ will only moderately impact your insurance rates. It costs $1,218 on average to insure a 2013 Subaru BRZ for six months — 29% less than a 2020 Subaru BRZ.

Model year
Average cost of six-month policy
Percent decrease vs. 2020 Subaru BRZ
Compare rates

The difference is even smaller when comparing Subaru BRZ models after 2013.

If you drive an older Subaru BRZ, don't expect to see too much of a difference on your monthly auto insurance rates.

For most older Subaru BRZ models, USAA offers the most competitive prices. However, drivers of the 2017 Subaru BRZ should note that State Farm offers better prices than USAA. A six-month State Farm policy costs $956 on average, while a USAA policy of the same duration costs $997.

How much is car insurance for a Subaru BRZ vs. other two-door sports cars?

Compared to similar cars from competitors, insurance for a 2020 Subaru BRZ is moderately affordable. For example, a six-month insurance policy for the 2020 Mazda MX-5 Miata Sport, a two-door convertible, costs $455 less, on average, than an insurance policy for a 2020 Subaru BRZ.

Car model
Average cost of six-month policy
2020 MSRP*
Years available
Subaru BRZ Limited$1,642$28,8452013-2023
Toyota 86$1,806$27,0602017-2023
Mazda MX-5 Miata Sport$1,187$26,5802017-2022
Nissan 370Z$1,838$30,0902009-2021
Scion FR-S$1,377$23,0002013-2016

*MSRP is the manufacturer's original suggested retail price for the 2020 model of the car, except for the Scion FR-S, which was only manufactured until 2016.

The Scion FR-S, another popular competitor to the Subaru BRZ, also boasts lower insurance costs. The average cost of a six-month policy for an FR-S is $1,377 — $265 cheaper than an insurance policy for a 2020 Subaru BRZ Limited. This may be due in part to the fact that it's an older car.

However, some other two-door sports cars do cost more to insure than the Subaru BRZ. The Toyota 86, for instance, costs $1,806 for a six-month policy, and the Nissan 370Z costs $1,838 for a policy of the same duration. Shoppers looking to buy one of these cars should factor the cost of insurance into their considerations, as rates vary a lot even among very similar cars.

The Subaru BRZ has similar insurance rates to the Subaru WRX.


We collected quotes from four major national insurers, looking at the average insurance costs for the Subaru BRZ Limited in model years 2013, 2015, 2016, 2017, 2018, 2019 and 2020. We also gathered quotes for the 2020 base model of several competitor cars, including the Toyota 86, the Mazda MX-5 Miata Sport and the Nissan 370Z. Toyota discontinued the Scion brand starting with the 2017 model year, so quote and MSRP data reflect numbers from that year.

Our sample driver was a 30-year-old man who started driving at age 16. He has a clean driving record and a fair credit score. Quotes were drawn from all available ZIP codes in Texas. For the purposes of age comparison, we also pulled quotes for an 18-year-old driver behind the wheel of a 2020 Subaru BRZ Limited.

All car insurance quotes include the following coverages:

Liability, bodily injury$50,000 per person/$100,000 per accident
Liability, property damage$25,000
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Uninsured/underinsured motorist property damageNot included
Comprehensive$500 deductible
Personal injury protection (PIP)/medical paymentsNot included
All other coverages (e.g., towing and loss of use)Not included

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

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