How Much Does 2024 Subaru BRZ Insurance Cost?

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 8, 2024

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Searching for the cheapest car insurance rates for your Subaru BRZ? Locating the cheapest insurance for a new or used Subaru BRZ can normally be difficult, but you can follow the following methods and make it easy.

There is a right way and a wrong way to buy car insurance so you’re going to learn the best way to price shop coverage on a Subaru and locate the best price possible.

Informed drivers save every year

Consumers need to have an understanding of the rating factors that help determine your insurance coverage rates. When you understand what controls the rates you pay, this allows you to make good choices that may reward you with big savings. Multiple criteria are used when you get a price on insurance. A few of the factors are predictable like a motor vehicle report, but other factors are more obscure such as whether you are married or your financial responsibility.

  • If you don’t need it don’t buy it – There are many additional coverages that can add up if you don’t pay attention. Insurance for coverage for rental cars, accidental death, and extra life insurance coverage are probably not needed. These may sound like a good investment at first, but your money might be better spent on other coverage so eliminate the coverages to reduce your premium.
  • Occupation stress can affect prices – Did you know your occupation can influence how much you pay for insurance coverage? Careers like doctors, business owners and accountants are shown to have higher rates than average because of high stress and incredibly demanding work hours. Other occupations like scientists, historians and performers have the lowest average rates for BRZ coverage.
  • Liability insurance risk factors in – Your policy’s liability coverage provides coverage if you are determined to be liable for damages caused by your negligence. Your policy’s liability insurance provides you with a defense in court which can be incredibly expensive. This coverage is relatively inexpensive compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • A good credit history can save money – Having a bad credit history is likely to be a major factor in your rate calculation. If your credit history is not that good, you may save money insuring your 2024 Subaru BRZ by improving your credit score. People that have excellent credit scores tend to be better drivers and file fewer claims as compared to drivers with poor credit.
  • Lower comp and collision deductibles cost more – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, covers your vehicle from damage. Examples of covered claims are running into the backend of another car, vandalism, and damage from a fallen tree branch. The deductibles are the amount of money you are required to spend out-of-pocket if the claim is covered. The more damage repair cost you choose to pay out-of-pocket, the less your insurance coverage will be for BRZ coverage.
  • Reduce insurance coverage rates by driving vehicles with better crash test results – Safe vehicles are cheaper to insure. Highly rated vehicles reduce the chance of injuries and better occupant protection translates directly to fewer claims passed on to you as lower rates. If your Subaru BRZ is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.

How to buy insurance online

Getting a cheap price on 2024 Subaru BRZ insurance doesn’t have to be difficult. The only requirement is to invest a little time comparing rate quotes to see which company has low cost insurance coverage quotes. It’s really simple and can be done by following the guidelines below.

  1. The most efficient way to get quotes is a comparison rater form. This quick form saves time by eliminating boring form submissions for each price estimate. In just a few minutes this one form will get you rate comparisons from multiple low-cost companies. It’s the quickest way to get rates.
  2. A slightly less efficient method to find better pricing is spending the time to visit the website of each company and repeat the quote process. For example, we’ll assume you want to see prices from Nationwide, GEICO and Farmers. To do that, you would have to spend time going to each site individually to enter your coverage information, which can get old fast.

Whichever method you choose, double check that you are using exactly the same information for each comparison quote. If you compare different deductibles it’s not possible to find the best deal for your Subaru BRZ.

Tricks in auto insurance advertising

Consumers can’t get away from ads that promise big savings for switching from companies such as State Farm, Allstate and GEICO. All the ads advertise the message about saving some big amount if you get a free insurance coverage quote and switch to them.

How does every auto insurance company lower your premium rates? This is the trick they use.

Different companies can use profiling for the type of insured that will generate a profit. For instance, a profitable insured may need to be between the ages of 40 and 55, carries high limits, and drives a vehicle with a low ISO rating. Anyone that hits that “sweet spot” is entitled to the best price and is almost guaranteed to cut their rates substantially.

Potential customers who don’t measure up to those standards may be forced to pay higher premium rates which results in the driver buying from a lower-cost company. If you listen closely, the ads state “people that switch” not “everyone that quotes” save money. That is how insurance companies can confidently make claims like that.

Because every company is different, it is so important to compare as many free insurance coverage quotes as you can. It is just not possible to predict with any certainty which company will provide the lowest prices.

Car insurance companies offer money-saving discounts

Some insurers do not list every available discount in an easy-to-find place, so below is a list a few of the more common and the harder-to-find discounts that you can inquire about if you buy insurance coverage online.

  • Renewal Discounts – Some larger companies reward drivers for signing up prior to your current policy expiration. You may see this discount when you get insurance coverage quotes online.
  • Theft Deterrent Discount – Anti-theft and alarm system equipped vehicles prevent vehicle theft and qualify for as much as a 10% discount.
  • Federal Government Employee – Active or former government employment could cut as much as 10% off for BRZ coverage depending on your company.
  • Seat Belt Discounts – Requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • Lower Rates for Military – Being deployed in the military may qualify for rate reductions.
  • Good Driver Discount – Drivers without accidents can save as much as half off their rates for BRZ coverage as compared to drivers with claims.
  • E-sign Discounts – A few larger online companies may give you up to $50 just for signing your application over the internet.
  • Professional Organizations – Being a member of qualifying clubs or civic groups could earn you a nice discount on your policy.
  • ABS Braking Discount – Cars and trucks with ABS and/or traction control can stop better under adverse conditions and the ABS can save up to 10%.

Discounts save money, but please remember that most discounts do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as comprehensive or collision. Even though it may seem like you could get a free car insurance policy, nobody gets a free ride.

Large car insurance companies and some of the discounts are included below.

  • State Farm has discounts for good student, multiple policy, anti-theft, safe vehicle, Drive Safe & Save, and passive restraint.
  • GEICO may offer discounts for good student, emergency military deployment, driver training, daytime running lights, seat belt use, and air bags.
  • Allstate offers premium reductions for senior citizen, FullPay discount, defensive driver, multi-policy, EZ pay plan discount, resident student, and anti-lock brakes.
  • SAFECO may have discounts that include homeowner, safe driver, multi-car, anti-theft, bundle discounts, drive less, and teen safety rewards.
  • Farm Bureau may include discounts for 55 and retired, driver training, multi-vehicle, youthful driver, renewal discount, good student, and safe driver.
  • Progressive offers discounts including good student, continuous coverage, online quote discount, multi-policy, homeowner, and online signing.
  • AAA discounts include anti-theft, good student, multi-car, AAA membership discount, and multi-policy.

If you need cheaper insurance coverage quotes, ask all companies you are considering which discounts you may be entitled to. Some of the discounts discussed earlier might not be offered in your state. To view car insurance companies with the best car insurance discounts, enter your zip code here.

Do I just need basic coverages?

When buying adequate coverage, there really is no single plan that fits everyone. Each situation is unique.

Here are some questions about coverages that might point out whether your personal situation would benefit from an agent’s advice.

  • Should I buy more coverage than the required minimum liability coverage?
  • Should I put collision coverage on all my vehicles?
  • Does insurance cover tools stolen from my truck?
  • Is Motor Club coverage worth it?
  • Can my babysitter drive my car?
  • Is my state a no-fault state?
  • What happens if I owe more than my 2024 Subaru BRZ is worth?
  • Do I need PIP (personal injury protection) coverage in my state?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out your zip code. It only takes a few minutes and can help protect your family.

Detailed coverages of your insurance policy

Knowing the specifics of insurance can help you determine the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as theft, damage from flooding, damage from a tornado or hurricane, a broken windshield and hitting a bird. The maximum payout your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like pain medications, doctor visits, hospital visits and chiropractic care. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage

Collision insurance will pay to fix damage to your BRZ caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like sideswiping another vehicle, scraping a guard rail, colliding with another moving vehicle, driving through your garage door and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your 2024 Subaru BRZ.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Usually the UM/UIM limits do not exceed the liability coverage limits.

Auto liability

Liability insurance protects you from damages or injuries you inflict on other’s property or people. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things such as repair costs for stationary objects, legal defense fees, structural damage and pain and suffering. How much coverage you buy is your choice, but consider buying as much as you can afford.

Summing up your insurance search

There are still a few companies who may not have price quotes online smaller companies provide coverage only through independent agents. Budget-conscious 2024 Subaru BRZ insurance can be bought both online and from local insurance agents, so you need to compare both in order to have the best chance of saving money.

When searching for inexpensive insurance coverage quotes, never buy poor coverage just to save money. There have been many situations where someone sacrificed physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. The goal is to buy enough coverage at the best price but still have enough coverage for asset protection.

We’ve covered many tips how you can shop for 2024 Subaru BRZ insurance online. The most important thing to understand is the more quotes you get, the better your comparison will be. Drivers may discover the lowest car insurance rates come from an unexpected company.

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