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Subaru BRZ car insurance at a glance:
- Average annual cost of auto insurance for a 30-year-old driver: $2,309
- The 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 deemed the Subaru BRZ worthy of your consideration if you’re looking for a sports car under $30,000. While plastic interior materials might seem a little cheap, that doesn’t mean you should skimp on good car insurance. Here we take a look at the average insurance costs for a Subaru BRZ.
Subaru BRZ insurance costs by company
Subaru BRZ owners could save hundreds of dollars a year by comparing car insurance quotes. Of the major insurance companies we reviewed, USAA offers the cheapest car insurance for a Subaru BRZ. If you’re not eligible for USAA auto 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, prior claims in the state, medical expenses, repair costs, etc. Michigan is the most expensive state for Subaru BRZ insurance.
Cost of insurance for a Subaru BRZ according to the age of the driver
The cheapest age to insure a Subaru BRZ is 60, according to Forbes Advisor rate analysis.
The most expensive age to insure a BRZ is 20 and under. Two decades later, at age 40, the cost of Subaru BRZ insurance is 52% cheaper.
Women and men pay roughly the same price to insure a BRZ, regardless of age. For example, 40-year-old female drivers pay only $9 less per year than 40-year-old male drivers.
Several factors go into determining your auto insurance rate, such as your driving record, where you live, type of car, and intended use (i.e. 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 consider a Hyundai Veloster, Mazda MX-5 Miata Sport, or Toyota GR86. Of 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 some tips to reduce your car insurance costs:
- Compare insurance prices. Not all insurers set the same price for their policies 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 auto insurance discounts 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 pay too much for coverage you don’t need. Here’s a guide to determining how much car insurance you need.
- Choose a higher deductible. Generally, the higher your auto insurance deductible, the lower the premiums you will pay. Common deductible amounts range from $100 to $1,000 (or more).
- Maintain good credit. Most insurers use credit-based insurance scores as a cost factor (in all 46 states where this practice is allowed). But not all companies weigh the same credit, which is why it’s crucial to seek out the best prices.
- Follow your good driving habits. Most insurance companies offer a usage-based insurance program that tracks driving habits (like speeding or distracted driving) and rewards good drivers with discounts.
Related: Subaru BRZ test drive
Best car insurance companies 2022
With so many choices for car insurance companies, it can be difficult to know where to start to find the right car insurance. We’ve rated insurers to find the best car insurance companies, so you don’t have to.
Rates are based on drivers with clean records with $100,000 per person liability coverage, $300,000 per accident and $100,000 property damage liability coverage, uninsured motorist coverage and all 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.