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The Subaru BRZ is a popular sports car known for its sleek design and impressive performance capabilities. As with any vehicle, it’s important to have the proper insurance coverage to protect yourself and your investment in case of an accident. In this article, we will explore the average cost of car insurance for the Subaru BRZ, as well as review four different insurance companies that offer coverage for this make and model.

Average Cost of Car Insurance for 2025 Subaru BRZ

The average cost of car insurance for a 2025 Subaru BRZ can vary depending on several factors, including the driver’s age, driving record, location, and coverage options selected. On average, the cost of insuring a Subaru BRZ is around $1,500 to $2,000 per year. However, rates can be higher or lower based on individual circumstances.

When it comes to insuring a sports car like the Subaru BRZ, insurance companies typically consider these vehicles to be high-risk due to their fast speeds and potential for accidents. As a result, premiums for sports cars tend to be higher than those for more practical vehicles.

Best Insurance Companies for Subaru BRZ

1. Geico: Geico is known for offering competitive rates and excellent customer service. They have a reputation for providing affordable coverage for sports cars like the Subaru BRZ. Geico also offers a variety of discounts that can help lower premiums for eligible drivers.

2. Progressive: Progressive is another popular choice for insuring sports cars. They offer customizable coverage options and a user-friendly online platform for managing policies. Progressive also has a reputation for providing great customer service and claims handling.

3. Allstate: Allstate is a well-known insurance company that offers comprehensive coverage options for sports cars like the Subaru BRZ. They have a network of agents nationwide who can help customers find the right policy for their needs. Allstate also offers a range of discounts to help drivers save on premiums.

4. State Farm: State Farm is a trusted insurance provider that offers competitive rates for sports cars. They have a strong financial stability rating and a reputation for excellent customer service. State Farm also offers a variety of discounts that can help lower premiums for Subaru BRZ drivers.

Common Coverages for Car Insurance

1. Liability Coverage: Liability coverage is required in most states and helps pay for damages and injuries to others in an accident that you are found at fault for.

2. Collision Coverage: Collision coverage helps pay for damages to your vehicle in the event of a collision with another vehicle or object.

3. Comprehensive Coverage: Comprehensive coverage helps pay for damages to your vehicle that are not caused by a collision, such as theft, vandalism, or natural disasters.

4. Uninsured/Underinsured Motorist Coverage: This coverage helps protect you if you are in an accident with a driver who does not have insurance or enough insurance to cover your damages.

5. Medical Payments Coverage: Medical payments coverage helps pay for medical expenses for you and your passengers in the event of an accident.

6. Personal Injury Protection (PIP): PIP coverage is similar to medical payments coverage but also includes coverage for lost wages and other expenses related to injuries sustained in an accident.

Common Exclusions for Car Insurance

1. Racing: Most car insurance policies do not cover damages or injuries that occur while participating in racing or other high-risk activities.

2. Intentional Acts: Insurance policies typically do not cover damages or injuries that result from intentional acts, such as vandalism or fraud.

3. Wear and Tear: Normal wear and tear on a vehicle is not covered by car insurance policies.

4. Business Use: Personal car insurance policies typically do not cover damages or injuries that occur while using the vehicle for business purposes.

5. Mechanical Breakdowns: Car insurance policies do not cover mechanical breakdowns or repairs to the vehicle.

6. Named Driver Exclusions: Some policies may exclude coverage for certain drivers, such as teenagers or drivers with a poor driving record.

Common Questions About Car Insurance for Subaru BRZ

1. What factors affect the cost of car insurance for a Subaru BRZ?

The cost of car insurance for a Subaru BRZ is influenced by factors such as the driver’s age, driving record, location, coverage options selected, and the insurance company.

2. Are there any discounts available for insuring a Subaru BRZ?

Many insurance companies offer discounts for insuring sports cars like the Subaru BRZ. Some common discounts include multi-policy, safe driver, and anti-theft device discounts.

3. Is it more expensive to insure a Subaru BRZ than a regular sedan?

Sports cars like the Subaru BRZ are typically more expensive to insure than regular sedans due to their high performance capabilities and increased risk of accidents.

4. What is the minimum amount of coverage required for a Subaru BRZ?

The minimum amount of coverage required for a Subaru BRZ will vary depending on state laws. However, most states require drivers to have liability coverage at a minimum.

5. Can I add additional coverage options to my car insurance policy for a Subaru BRZ?

Yes, drivers can add additional coverage options to their car insurance policy for a Subaru BRZ, such as collision, comprehensive, and uninsured/underinsured motorist coverage.

6. How can I lower the cost of car insurance for a Subaru BRZ?

Drivers can lower the cost of car insurance for a Subaru BRZ by taking advantage of discounts, maintaining a clean driving record, and comparing quotes from multiple insurance companies.

7. What should I do if I am in an accident in my Subaru BRZ?

If you are in an accident in your Subaru BRZ, you should contact your insurance company as soon as possible to file a claim. Be sure to document the details of the accident and exchange information with the other driver involved.

8. Will my insurance rates go up if I get a speeding ticket in my Subaru BRZ?

Getting a speeding ticket in your Subaru BRZ may cause your insurance rates to go up, as it can be seen as a risk factor by insurance companies.

9. Can I insure a Subaru BRZ if I am a young driver?

Young drivers may face higher insurance rates for insuring a Subaru BRZ due to their lack of driving experience. However, there are discounts and programs available to help lower premiums for young drivers.

10. Does the color of my Subaru BRZ affect my insurance rates?

The color of your Subaru BRZ does not typically affect your insurance rates. Insurance companies are more concerned with factors such as the make, model, age, and driving record of the driver.

11. Can I transfer my car insurance policy to a new Subaru BRZ if I upgrade my vehicle?

Yes, drivers can transfer their car insurance policy to a new Subaru BRZ if they upgrade their vehicle. Be sure to contact your insurance company to update your policy with the new vehicle information.

12. What should I do if my Subaru BRZ is stolen?

If your Subaru BRZ is stolen, you should contact your insurance company immediately to file a claim. Be sure to provide them with any relevant information, such as the police report and details of the theft.

13. Is it worth it to purchase gap insurance for a Subaru BRZ?

Gap insurance can be a valuable investment for insuring a Subaru BRZ, as it helps cover the difference between the value of the vehicle and the amount owed on a loan or lease in the event of a total loss.

In conclusion, insuring a Subaru BRZ can be more expensive than insuring a regular sedan due to the high performance capabilities and increased risk of accidents associated with sports cars. It’s important to carefully consider coverage options, discounts, and insurance companies to find the best policy for your individual needs. By comparing quotes and understanding common coverages and exclusions, drivers can make informed decisions about their car insurance for the Subaru BRZ.
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