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Average Subaru BRZ insurance rates
According to our estimates, auto insurance for a Subaru BRZ costs about $154 a month — or $1,848 a year, about $500 more than the national average. With a base price of $25,495, the annual insurance cost–to–base car price ratio is a slightly high 7.2%.
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Shopping for coverage is never fun. Policies can be expensive and let’s face it – nobody wants to pay for something they hope to never use. But as frustrating as it may be, auto insurance is mandatory in almost every state, so you won’t be able to avoid it. That said, knowing what to look for can help you reduce the cost and find coverage that is tailored to your situation. Here’s what you need to know:
Price. Many providers claim to have the best price, but that doesn’t mean much if you’re not comparing similar policies. Use the same vehicle and driver details to accurately compare your options.
Deductible. Your deductible amount can directly affect the cost of insurance, so it’s important to choose an amount that fits your monthly budget.
Minimum coverage. Before committing to a policy, it’s essential that you make sure it meets your state’s minimum coverage requirements.
Additional coverage. There are a number of additional coverage options available through insurance providers. Be sure to include any choices when getting quotes to get an accurate estimate.
Extras. Since policy features can vary between providers, it’s important to find out what each policy includes and what you’ll need to pay extra for.
Restrictions. Find out if any restrictions apply to your policy to avoid gaps in coverage or denied claims.
Manufacturer offer or loyalty discount. Find out if your manufacturer has any special offers or loyalty discounts through partnerships with insurance providers.
Warranty. Find out what’s covered by your manufacturer or extended warranty to avoid paying for overlapping coverage.
What factors affect car insurance rates for Subaru BRZ?
The cost of premiums is determined by a number of factors that reflect your risk of filing claims and the cost of paying them out. While your driving history, location and other factors can have an impact, the vehicle you drive plays an essential role. Here’s how the Subaru BRZ’s characteristics might affect the cost of insurance.
Body type. The BRZ is a two-door coupe that’s designed for performance. This may lead to higher premiums.
Type of car. The Subaru BRZ is a performance vehicle that may be capable of high speeds, which could make it more expensive to insure.
Theft. Sports cars like the Subaru BRZ are stolen less often than other vehicles, which should make insurance more affordable.
Repairs. While most BRZs won’t need frequent maintenance, repairs can be expensive. This could lead to more expensive auto insurance.
Safety ratings. The 2018 BRZ has great crash test ratings in almost every category, which could lead to cheaper auto insurance.
Fuel type. The BRZ runs on gas, which makes it cheaper to insure compared to diesel, hybrid or electric vehicles.
Trim & packages. Choosing models or trims that increase power or overall value could make the BRZ more expensive to insure. However, adding features that improve visibility or safety could make insurance cheaper.
Does the Subaru BRZ qualify for auto insurance discounts?
You could save money on car insurance for your Subaru BRZ if it comes equipped with these safety features.
The Subaru BRZ has been around since 2013 and was jointly developed by Subaru and Toyota. The sports car is known for its athletic handling, comfortable seating and strong engine. The Subaru BRZ was named one of the Top Ten Best Cars in 2013 by Car and Driver.
U.S. News and J.D. Power give the Subaru BRZ an impressive 9.2/10 safety rating. On top of that, this vehicle holds strong crash test ratings in nearly every category according to the IIHS.
According to U.S. News and J.D. Power, the 2018 BRZ was rated 3/5 stars for reliability, which is about average for vehicles in its class.
Subaru BRZ maintenance
The BRZ is a two-door coupe that’s designed for performance and capable of higher speeds than the average vehicle. Its sport tuning and performance-oriented design may require more frequent maintenance compared to economy and luxury vehicles, especially if it’s subject to heavy use. That said, even simple routine maintenance can extend the life of the vehicle and ensure it runs as it should. Here’s what to expect:
Subaru recommends service appointments every 6 months or 6,000 miles, whichever comes first. The first appointment includes replacing the engine oil and filter, inspecting various components and servicing the battery.
Oil changes should cost between $75 and $150, but your price may vary depending on the repair shop you visit.
The BRZ has an average annual repair cost of over $650, which is above average for similar vehicles.
Subaru suggests that owners have their BRZ serviced every 6,000 miles or 6 months, whichever comes first. Speak to your dealer or consult your owner’s manual to find out what each service includes.
Is an extended warranty worth it for the Subaru BRZ?
The BRZ is backed by Subaru’s New Car Limited Warranty, which covers defective OEM parts and service for 3 years or 36,000 miles. It also comes with a 5-year/60,000 mile powertrain warranty, 3-year/36,000-mile Wear Item Limited Warranty, 5-year rust warranty and 3 years/36,000 miles of roadside assistance.
“Added Security” is Subaru’s lineup of extended service agreements and maintenance plans. They are available in terms of up to 7 years/100,000 miles. Contact your dealership for full coverage details on each of these plans. Subaru’s hold lower reliability ratings than most cars and are designed for performance, so you may want to consider one of the plans.
Compare Subaru competitors
Explore other Subaru models or compare similar options from different manufacturers.
The Subaru BRZ is a groundbreaking two-door sports coupe that offers exceptional performance at an affordable price point. However, repair costs are higher than average, which could increase the cost of insurance. That said, the BRZ comes packed with a number of safety features that could be eligible for auto insurance discounts. Compare your options to find coverage and discounts tailored to your situation.
Frequently asked questions about the Subaru BRZ
Probably not. While the BRZ was developed as a performance vehicle, it has great safety features and crash test ratings, meaning you should be able to find coverage from any major provider. That said, you may end up paying slightly higher premiums due to its design and lackluster reliability.
Since auto insurance is highly situational, it’s hard to say which provider is best for the Subaru BRZ. Your coverage and premiums are influenced by your driving history, vehicle, location and other factors. Compare your options to find coverage tailored to your situation and decide for yourself which provider is best.
You can learn more about state minimums here, or you can speak with your provider to find a policy that suits your needs. When shopping around, it’s essential to find a policy that fits into your budget but also fulfills your state’s minimum requirements.
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Looking to save on car insurance? Answer these three questions to find a provider that best fits your needs and budget.
Peter Carleton is a writer that covers banking and investing, breaking down what you need to know about where you put your money. When Peter's not thinking about cutting-edge banking apps and robo-advisors, he runs a creative agency and spends his spare time cooking or reading.
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