Automobile insurance for Subaru BRZ – Bankrate.com

Car insurance is required by law in almost every state, regardless of the type of car you drive. The average annual cost of auto insurance is $ 1,674 for full insurance, but rates are personalized based on unique factors such as age, creditworthiness, and driver's license.

In addition, the make and model of your vehicle will affect your car insurance premium, which is why it can be helpful to compare rates for different makes and models before buying a car. We have received sample quotes for Subaru BRZ insurance and have found some of the cheapest auto 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 is helpful to consider how the make and model will affect insurance rates based on the various features. The average American driver pays $ 1,674 a year for fully comprehensive insurance, but depending on the type of vehicle you drive, your premium can be above or below the national average.

Another factor that can affect the average cost of auto insurance is your insurance company. Each provider charges a slightly different tariff for the same brands and models. Some of the other factors that can affect the cost of auto insurance for a Subaru BRZ are safety ratings and repair costs:

  • Crash Rate Statistics by Make / Model: Overall, the Subaru BRZ has good crash safety ratings according to the Insurance Institute for Highway Safety (IIHS). In the tests for driver restraint and dummy kinematics, however, the vehicle was rated “acceptable”. Vehicles with good crash values ​​are usually cheaper to insure.
  • Price of the parts: Subarus are usually inexpensive to repair. Most parts for a Subaru BRZ don't need to be imported from overseas, but since the BRZ is a sports car there are some components that can be expensive to replace. In general, cars that are cheap to repair have cheaper insurance rates.
  • Safety devices: The BRZ's recent model years are equipped with Subaru's proprietary Eyesight technology, which includes pre-collision warnings, lane departure warnings and dynamic cruise control. Since the BRZ has advanced safety features, insurance costs may be lower due to the lower probability and / or severity of an accident.

Car insurance for a Subaru: by model

Car insurance rates are different for each driver depending on their individual circumstances. One of the biggest variables is the make and model of your vehicle. When thinking about buying a Subaru BRZ it can be helpful to see average prices for 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 fully comprehensive insurance, which is more expensive than the national average. Since the Subaru BRZ is a sports car, there are some parts that can be expensive to replace or repair. And while the vehicle generally has good safety ratings, the BRZ isn't quite as safe as some other Subaru models, based on average safety ratings.

BRZ car insurance Average annual premium
Minimum coverage $ 481
Full coverage $ 2,032

Cheapest car insurance for Subarus

The cost of car insurance for a Subaru BRZ depends on the insurance company you choose, as each provider charges a different rate for the same make and model. To find the cheapest auto insurance for a Subaru BRZ, Quadrant Information Services received sample quotes from five of the top auto insurance providers who also have the largest market share.

Average annual premium for fully comprehensive insurance according to the model

Subaru Features That Affect Insurance Costs

Insuring sports cars can be expensive, but because the Subaru BRZ has advanced safety features and readily available parts, the cost of auto insurance could be manageable compared to many other sports cars. If you choose auto insurance with secure vehicle discounts, you can get an even lower rate. Here are some of the advanced safety features on Subaru BRZs that have an impact on insurance costs:

  • EyeSight driver assistance technology: Subaru's EyeSight system features pre-collision braking, adaptive cruise control and a collision warning system to help prevent an accident or reduce the severity of an impact.
  • Subaru STARLINK: Subaru's STARLINK system includes security features such as enhanced roadside assistance and stolen vehicle tracking. It could also act as a driving assistant, giving drivers easier access to restaurant and hotel reservations.

Other car insurance coverage for a Subaru

In every state that requires car insurance, drivers must purchase a minimum amount of insurance. A minimum insurance policy includes liability insurance only or, in some states, may include personal protection and uninsured / underinsured motorist insurance. However, insurance companies recommend that most drivers increase their coverage limits or take out a fully comprehensive policy for more protection.

When taking out car insurance for Subaru BRZ models, drivers should consider fully comprehensive insurance, which includes collision and comprehensive coverage for damage to your vehicle. Subaru BRZ owners can also purchase endorsements for bespoke protection. For example, tow and labor insurance could cover the cost of getting help or basic repairs when you break down. A new car replacement could pay for a brand new car of similar value if your GT is a total write-off.

If you lease or finance your GT, it can make sense to have a gap insurance that pays the difference between the depreciation of the car and the remaining loan amount in the event of irreparable damage.

methodology

Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and airlines in all 50 states and Washington, DC Coverage Limits:

  • $ 100,000 personal injury liability per person
  • $ 300,000 liability per accident
  • $ 50,000 property damage liability per accident
  • $ 100,000 personal injury from an uninsured motorist per person
  • $ 300,000 personal injury to an uninsured driver per accident
  • $ 500 deductible in case of collision
  • $ 500 deductible

To set the minimum coverage limits, Bankrate has used minimum coverage that meets the requirements of each state. Our basic profile drivers own a 2019 Subaru of the following model types, commute five days a week and drive 12,000 miles a year:

These are sample rates and should only be used for comparison purposes.

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