BRZ Insurance: Everything You Need to Know

Subaru BRZ is a popular sports car known for its high performance and sleek design. If you own a BRZ, getting the right insurance coverage is crucial to protect your investment and stay compliant with legal requirements. In this article, we will discuss everything you need to know about BRZ insurance, including the different types of coverage, factors that affect rates, and frequently asked questions.

Types of BRZ Insurance Coverage

There are several types of insurance coverage options for your BRZ. The most common types include:

Liability Coverage

Liability coverage is mandatory in most states and covers damages and injuries you may cause to others in an accident. It includes two types of coverage:

  • Bodily injury liability: Covers medical expenses, lost wages, and other damages if you injure someone in an accident.
  • Property damage liability: Covers damages to someone else’s property caused by your car, such as their vehicle or a fence.

Collision Coverage

Collision coverage pays for damages to your car if you hit another vehicle or object, regardless of who is at fault. This coverage is optional, but it may be required if you have a car loan or lease.

Comprehensive Coverage

Comprehensive coverage pays for damages to your car caused by non-collision incidents, such as theft, vandalism, or natural disasters. It is also optional, but it may be required by your lender or leasing company.

Factors that Affect BRZ Insurance Rates

Several factors determine how much you’ll pay for BRZ insurance. Here are some of the most common:

Driving Record

Your driving record is one of the top factors that affect your insurance rates. If you have a history of accidents, tickets, or other violations, your premiums will likely be higher.

Age and Gender

Younger drivers and male drivers tend to pay more for car insurance due to higher accident rates.


Where you live can also affect your insurance rates. If you live in an area with high crime rates or a lot of traffic, your premiums may be higher.

Credit Score

Your credit score can also impact your insurance rates. Drivers with higher credit scores tend to pay less for insurance.

Type of Coverage and Deductibles

The type and amount of coverage you choose, as well as your deductible amount, will also affect your premiums. Higher coverage limits and lower deductibles will result in higher premiums.

FAQs About BRZ Insurance

What is the average cost of BRZ insurance?

The average cost of BRZ insurance varies depending on several factors, such as your age, location, driving record, and type of coverage. On average, you can expect to pay around $150 to $300 per month for full coverage insurance.

Do I need full coverage insurance for my BRZ?

You are not required to have full coverage insurance for your BRZ, but it may be a good idea if you want to protect your investment. If you have a loan or lease on your car, your lender may require full coverage insurance.

How can I save money on BRZ insurance?

Here are some tips to help you save money on your BRZ insurance:

  • Compare quotes from multiple insurers to find the best rates.
  • Opt for a higher deductible to lower your premiums.
  • Keep your driving record clean and avoid accidents and violations.
  • Bundles your auto insurance with other policies, such as home or renters insurance.
  • Ask if you qualify for any discounts, such as safe driver, good student, or military discounts.

What should I do if I get into an accident?

If you get into an accident, take the following steps:

  • Check for injuries and call for medical help if necessary.
  • Call the police and report the accident.
  • Exchange information with the other driver(s), such as name, phone number, and insurance information.
  • Take photos of the damage, if possible.
  • Contact your insurance company and report the accident.


Protecting your BRZ with the right insurance coverage is essential to ensure your peace of mind and financial security. By understanding the different types of coverage, factors that affect rates, and tips to save money, you can make an informed decision and find the best insurance policy for your needs and budget.