Compare the Cost of Subaru BRZ Insurance by Model Year and Company

Q: What company has the cheapest car insurance for a Subaru BRZ?

Subaru BRZ owners can get the most affordable rates with GEICO at just $1,204 per year, which is significantly lower than the average Subaru BRZ insurance rate of $1,701 per year. Remember that your rate may be affected by your location, age and your car's model year. It's always a good idea to compare coverage options and obtain quotes from multiple providers to ensure you get the best deal.

The Subaru BRZ has an average annual insurance cost of $1,701, which is considered moderately expensive. GEICO offers the most affordable rates at $1,204 per year, but your age and car's model year can affect your rates.

By Mark Fitzpatrick

Edited by Jonathan Ramos

Updated: October 25, 2024

Advertising & Editorial Disclosure

Subaru BRZ insurance costs can be influenced by factors like the driver's age and the vehicle's model year. For instance, a 16-year-old driver insuring a 2013 Subaru BRZ model may incur an annual premium of $6,574, while a 40-year-old driver may only pay $1,442 for the same model. Insuring a 2022 model would cost a 16-year-old driver around $8,212 per year, while a 40-year-old driver may pay $1,818 annually for the same model year.

MoneyGeek also assessed the best insurance providers for Subaru BRZ that strike a balance between pricing, service quality and claims handling.

Car Insurance CostsSubaru BRZ

2024

Table of Contents

Cheapest Insurer - State Farm

Best Insurer - GEICO

Runner-Up - State Farm

Costs by Model Year

Costs by Driver Age

Costs by Location

Why Trust MoneyGeek? We collected thousands of car insurance quotes from Quadrant Information Services to analyze the average rates for a Subaru BRZ.

These rates were updated to reflect the average cost of car insurance for a Subaru BRZ as of 2023.

10Companies Compared

29,880Quotes Analyzed

Average Cost and Cheapest Companies for Insuring a Subaru BRZ

While the average insurance cost for a Subaru BRZ is approximately $1,701 yearly, we advise comparing rates to locate the most affordable auto insurance policy that meets your needs. Insurance rates can vary significantly between providers. For example, GEICO provides the cheapest full coverage insurance at $1,204 yearly, while Farmers has the most expensive at $2,095 per year.

Similarly, GEICO offers the least expensive minimum coverage at $431 per year, while Farmers charges the most at $759 annually.

Data filtered by:Results filtered by:

Age

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Age:40

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Coverage:Full Coverage


GEICO	$1,204
State Farm	$1,363
Travelers	$1,635
Nationwide	$1,700
Progressive	$1,729
Allstate	$1,789
Farmers	$2,095

Is a Subaru BRZ Expensive to Insure?

When determining insurance costs, auto insurance companies consider various factors, such as the driver's age, driving record, location and the Subaru BRZ's model year. With an MSRP of $33,290, Subaru BRZ insurance costs are moderately expensive compared to other vehicles. Certain models may have lower insurance costs due to their lower value. Safety ratings and anti-theft features may also make your auto insurance rates cheaper.

Best Companies for Insuring a Subaru BRZ

When shopping for the best policy for your Subaru BRZ, it is crucial to consider the cost of the policy. Additionally, evaluating the quality of service and claims handling efficiency the insurer provides is essential. Here are the best auto insurance companies for the Subaru BRZ that excel in these areas:

GEICO: MoneyGeek score 90 out of 100 ($1,204 per year)
State Farm: MoneyGeek score 88 out of 100 ($1,363 per year)

Of the seven providers we analyzed, GEICO ranked the highest for affordability and earned the third-best customer satisfaction score.

MoneyGeek Top Pick: GEICO

pros

Ranked first for affordability, with policies costing $1,204 per year

Placed third for customer satisfaction

Offers accident forgiveness and mechanical breakdown insurance (MBI)

cons

Doesn't offer gap insurance coverage

Poor claims management rating

COMPANY HIGHLIGHTS

MoneyGeek found that GEICO is the best Subaru BRZ insurance provider because it offers the most affordable insurance premiums and excellent customer support. While GEICO's claims management efficiency may not be on par with other providers, it provides a range of coverage options that may appeal to many drivers.

For instance, GEICO offers mechanical breakdown insurance (MBI) as an add-on, which offers more extensive coverage at a lower cost than most dealer-extended warranties. This makes it an ideal option for Subaru BRZ drivers who own or lease vehicles that are less than 15 months old.

GEICO also provides accident forgiveness, a valuable coverage option for Subaru BRZ drivers aiming to keep their insurance rates low. You can either buy this coverage or earn it by maintaining an accident-free record for five years or more. With accident forgiveness, your insurance rate will remain unaffected following your first at-fault accident, offering a sense of reassurance while driving.

MoneyGeek Runner-Up: State Farm

pros

Offers the second-cheapest annual rate at $1,363

Second-highest customer satisfaction rating

Offers roadside assistance and rental car coverage

cons

Lacks original equipment manufacturer (OEM) protection

Below-average claims handling score

COMPANY HIGHLIGHTS

If you're looking to save on Subaru BRZ insurance costs, a policy with State Farm is worth considering. The company is ranked second for both affordability and customer satisfaction, making it an excellent option if you prioritize high-quality service at a low price.

While State Farm does not offer many unique add-ons, it does provide roadside assistance. If your car breaks down, State Farm will cover the cost of towing it to the nearest repair facility and delivering gas, oil, a new battery or a new tire.

The company also offers rental car coverage, which offers financial protection if you damage a rental car or cause an accident. It helps you save on repairs and medical expenses you would otherwise pay out of your own pocket. You can get coverage for travel expenses up to $500 and rental car costs up to a specified limit. If you cause an accident with your rental car, State Farm will cover up to $500 of your deductible.

Read MoneyGeek's State Farm Auto Insurance Review

Cost of Insuring a Subaru BRZ by Model Year

The model year of your Subaru BRZ is an essential factor that affects the average cost of auto insurance. The annual cost of insuring a 2013 Subaru BRZ is around $1,442. On the other hand, coverage for a 2022 model is priced at $1,818 per year, resulting in a difference of $376 between the two. Newer model years are generally more expensive to insure as they are more valuable and costly to repair.

Data filtered by:Results filtered by:

Age

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Age:40

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Coverage:Full Coverage


2022	$1,818
2021	$1,776
2020	$1,734
2019	$1,729
2018	$1,656
2017	$1,588
2016	$1,573
2015	$1,531
2014	$1,488
2013	$1,442

The average car insurance costs for a Subaru BRZ can also vary depending on the insurance company and the specific model year you own. For example, GEICO is the most affordable insurer for both the 2013 and 2022 models, with rates of $1,058 per year and $1,355 per year, respectively.

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Model Year:2022

Age

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Age:40

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Coverage:Full Coverage


GEICO	$1,355
State Farm	$1,560
Nationwide	$1,701
Travelers	$1,821
Progressive	$1,876
Allstate	$2,198
Farmers	$2,334

Cost of Insuring a Subaru BRZ for 16- to 25-Year-Olds

Typically, auto insurance rates are higher for teenagers and young adults compared to drivers in their 30s and older. For example, Subaru BRZ insurance for 16-year-old drivers could cost about $7,411 annually, while a 40-year-old driver's insurance expenses are generally around $1,633 per year. However, as drivers mature, teen car insurance costs usually decrease. Insurance premiums tend to stabilize as they reach their 20s.

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Coverage:Full Coverage


16	$7,411
17	$6,056
18	$5,355
19	$3,729
20	$3,385
21	$2,615
22	$2,422
23	$2,256
24	$2,145
25	$1,923

Car insurance for teenagers tends to be much more expensive than for adults. One way to reduce the higher costs is to add your teen to your family's existing policy instead of purchasing an individual plan. State Farm offers the most affordable Subaru BRZ insurance policy for 16-year-olds with a 2022 model, with an average annual cost of $5,118 for an individual plan. Conversely, Farmers is the most expensive, with an average yearly cost of $11,347 for a similar policy.

Families and teens should compare prices to find the most affordable auto insurance premiums for teens.

Data filtered by:Results filtered by:

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Age:16

Model Year

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Model Year:2022

Coverage

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Coverage:Full Coverage


State Farm	$5,118
GEICO	$6,196
Nationwide	$7,026
Travelers	$7,688
Allstate	$9,499
Progressive	$10,812
Farmers	$11,347

How Does Location Affect the Cost of Subaru BRZ Insurance?

Your location plays a major role in determining Subaru BRZ insurance costs, along with your age, car model and year. Idaho has the lowest average insurance premium of $299 per year, while Florida has the highest average annual rate of $1,058. We recommend looking at quotes from multiple providers in your state to find the best and most affordable Subaru BRZ insurance for your specific needs.

Data filtered by:Results filtered by:

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Age Group:30-59

Coverage

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Coverage:Full Coverage


Alabama	Nationwide	$709	$59
Alaska	State Farm	$699	$58
Arizona	Root Insurance Company	$682	$57
Arkansas	State Farm	$629	$52
California	AAA California	$1,001	$83
Colorado	American National P&C	$541	$45
Connecticut	GEICO	$693	$58
Delaware	State Farm	$881	$73
District of Columbia	GEICO	$662	$55
Florida	State Farm	$1,058	$88
Georgia	Country Financial	$665	$55
Hawaii	GEICO	$565	$47
Idaho	American National P&C	$299	$25
Illinois	Country Financial	$663	$55
Indiana	American Family	$555	$46
Iowa	State Farm	$509	$42
Kansas	Nationwide	$670	$56
Kentucky	Nationwide	$790	$66
Louisiana	Louisiana Farm Bureau	$1,048	$87
Maine	Concord Group	$521	$43
Maryland	Progressive	$938	$78
Massachusetts	State Farm	$483	$40
Michigan	GEICO	$898	$75
Minnesota	State Farm	$797	$66
Mississippi	Direct General Insurance	$723	$60
Missouri	Nationwide	$909	$76
Montana	Progressive	$437	$36
Nebraska	American National P&C	$405	$34
Nevada	CSAA	$940	$78
New Hampshire	State Farm	$540	$45
New Jersey	Plymouth Rock Assurance	$895	$75
New Mexico	State Farm	$644	$54
New York	Kemper	$781	$65
North Carolina	Erie	$630	$52
North Dakota	American Family	$616	$51
Ohio	Nationwide	$485	$40
Oklahoma	State Farm	$662	$55
Oregon	State Farm	$706	$59
Pennsylvania	Nationwide	$580	$48
Rhode Island	State Farm	$700	$58
South Carolina	American National P&C	$463	$39
South Dakota	Allstate	$746	$62
Tennessee	State Farm	$579	$48
Texas	State Farm	$699	$58
Utah	Nationwide	$725	$60
Vermont	State Farm	$493	$41
Virginia	American Family	$601	$50
Washington	PEMCO	$534	$44
West Virginia	Erie	$784	$65
Wisconsin	GEICO	$556	$46
Wyoming	State Farm	$745	$62

Frequently Asked Questions About Subaru BRZ Insurance

To help you find the best Subaru BRZ insurance provider, we have answered some frequently asked questions regarding costs and customer service quality.

What company has the cheapest car insurance for a Subaru BRZ?

Subaru BRZ owners can get the most affordable rates with GEICO at just $1,204 per year, which is significantly lower than the average Subaru BRZ insurance rate of $1,701 per year. Remember that your rate may be affected by your location, age and your car's model year. It's always a good idea to compare coverage options and obtain quotes from multiple providers to ensure you get the best deal.

What company offers the best car insurance for a Subaru BRZ?

MoneyGeek's top choice for the best auto insurance company for the Subaru BRZ is GEICO because it provides excellent customer service at the most reasonable price. It also offers essential coverage options, including accident forgiveness and mechanical breakdown insurance (MBI). While Farmers has the highest customer satisfaction score, it is ranked last because it has the most expensive rates. Your personal preferences and budget will determine which insurance provider is the best fit for you.

About Mark Fitzpatrick

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

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