Car insurance is a legal requirement in almost every state, regardless of the type of car you drive. The average annual cost of car insurance is $1,674 for a full coverage policy, but rates are personalized based on unique factors like age, credit score and driving record.
Additionally, the make and model of your vehicle will impact your car insurance premium, which is why it can be helpful to compare rates for different makes and models before purchasing a car. We received sample rate quotes for Subaru BRZ insurance and found some of the cheapest car insurance companies for drivers who own one.
How much does it cost to insure a Subaru?
When purchasing auto insurance for Subaru BRZ coupes, it helps to consider how the make and model impact insurance rates based on its different features. The average American driver pays $1,674 per year for a full coverage car insurance policy, but depending on the type of vehicle you drive, your premium could be above or below the national average rate.
Another factor that can impact the average cost of car insurance is your insurance company. Each provider charges a slightly different rate for the same makes and models. Some of the other factors that can influence the cost of car insurance for a Subaru BRZ include its safety ratings and repair costs:
- Crash rate stats per make/model: Overall, the Subaru BRZ has good crash safety ratings per the Insurance Institute for Highway Safety (IIHS). However, the vehicle did score “acceptable” for driver restraint and dummy kinematics testing. Vehicles with good crash ratings are usually cheaper to insure.
- Price of parts: Subarus are typically not expensive to fix. Most parts for a Subaru BRZ do not need to be imported from overseas, but because the BRZ is a sports car, there are some components that might be pricey to replace. Generally speaking, cars that are inexpensive to fix have less expensive insurance rates.
- Safety features: Recent model years for the BRZ come equipped with Subaru’s proprietary Eyesight technology, which includes pre-collision warnings, lane departure alerts and dynamic cruise control. Because the BRZ has advanced safety features, the cost of insurance may be lower due to the decreased likelihood and/or severity of an accident.
Car insurance for a Subaru: by model
Car insurance rates are different for every driver based on their unique circumstances. One of the biggest variables is the make and model of your vehicle. If you are thinking about purchasing a Subaru BRZ, it can be helpful to see the average rates for the sake of comparison.
Car insurance for a Subaru BRZ
The average cost of auto insurance for a Subaru BRZ is $481 per year for minimum coverage and $2,032 per year for full coverage, which is more expensive than the national average rate. Because the Subaru BRZ is a sports car, there are some parts that could be expensive to replace or repair. And while the vehicle does have generally good safety ratings, the BRZ not quite as safe as some of Subaru’s other models, based on average safety ratings.
| BRZ car insurance | Average annual premium |
|---|---|
| Minimum coverage | $481 |
| Full coverage | $2,032 |
Cheapest car insurance companies for Subarus
The cost of car insurance for a Subaru BRZ depends on the insurance company you choose, as every provider charges a different rate for the same make and model. To find the cheapest car insurance for a Subaru BRZ, we received sample quotes from five of the best car insurance providers from Quadrant Information Services, which also have the largest market share.
Average annual premium for full coverage by model
Subaru features that impact insurance costs
Sports cars can be expensive to insure, but because the Subaru BRZ has advanced safety features and readily available parts, the cost of car insurance could be more manageable compared to many other sports cars. If you choose a car insurance company with safe vehicle discounts, you could get an even lower rate. Here are some of the advanced safety features found in Subaru BRZs that impact the cost of insurance:
- EyeSight Driver Assist Technology: Subaru’s EyeSight system comes with pre-collision braking, adaptive cruise control and a collision warning system to help prevent an accident or lessen the severity of a crash.
- Subaru STARLINK: Subaru’s STARLINK system includes safety features, like enhanced roadside assistance and stolen vehicle recovery tracking. It could also work as a driving assistant, providing drivers with easier access to making reservations for restaurants and hotels.
Other car insurance coverage for a Subaru
In every state that mandates car insurance, drivers are required to purchase a minimum amount of coverage. A minimum coverage policy includes liability insurance only or may include personal injury protection and uninsured/underinsured motorist coverage in some states. However, insurance companies recommend that most drivers raise their coverage limits or purchase a full coverage policy for more protection.
Drivers should consider a full coverage policy when purchasing auto insurance for Subaru BRZ models, which includes collision and comprehensive coverage for damage to your vehicle. Subaru BRZ owners might also purchase endorsements for tailored protection. For example, towing and labor coverage could cover the cost of requesting help or basic repairs if you break down. New car replacement could pay for a brand new car of similar value if your BRZ gets totaled.
If you lease or finance your BRZ, having gap insurance can come in handy, which pays the difference between the car’s diminished value and the remaining loan balance if the car is damaged beyond repair.
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Subaru of the following model types, commute five days a week and drive 12,000 miles annually:
- Subaru BRZ
These are sample rates and should only be used for comparative purposes.
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August 24, 2021 at 08:47PM
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Car insurance for Subaru BRZ - Bankrate.com
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