Is Subaru BRZ insurance expensive?
When considering the purchase of a Subaru BRZ, one of the key factors to evaluate is the cost of insurance. The Subaru BRZ, known for its sporty design and performance, can come with varying insurance premiums based on several factors. In this article, we will explore the aspects that influence the insurance costs for this popular sports car.
Factors Influencing Insurance Costs
Insurance premiums for the Subaru BRZ can be affected by a variety of factors, including:
- Driver's Age and Experience: Younger drivers or those with less driving experience typically face higher insurance rates.
- Location: Insurance costs can vary significantly based on where you live. Urban areas often have higher rates due to increased risk of accidents and theft.
- Driving History: A clean driving record can help lower your premiums, while a history of accidents or traffic violations can increase them.
- Coverage Type: The level of coverage you choose (liability, comprehensive, collision) will directly impact your insurance costs. Full coverage will be more expensive than basic liability.
- Vehicle Safety Ratings: The Subaru BRZ has good safety ratings, which can help reduce insurance costs. Insurers often offer discounts for vehicles equipped with advanced safety features.
- Performance and Repair Costs: As a sports car, the BRZ may have higher repair costs and performance-related risks, which can lead to higher premiums.
Average Insurance Costs
On average, the insurance cost for a Subaru BRZ can range from $1,200 to $2,000 per year, depending on the factors mentioned above. This places it in a moderate range compared to other sports cars. However, it's essential to shop around and compare quotes from different insurance providers to find the best rate.
Tips for Reducing Insurance Costs
If you're looking to lower your insurance premiums for a Subaru BRZ, consider the following tips:
- Shop Around: Get quotes from multiple insurance companies to find the best deal.
- Increase Deductibles: Opting for a higher deductible can lower your premium, but be sure you can afford the out-of-pocket cost in case of a claim.
- Take Advantage of Discounts: Look for discounts for safe driving, bundling policies, or having safety features in your vehicle.
- Consider Usage-Based Insurance: Some insurers offer discounts based on your driving habits, which can be beneficial if you drive less frequently.
In conclusion, while the Subaru BRZ may have higher insurance costs compared to standard vehicles, understanding the factors that influence these rates can help you make informed decisions. By taking proactive steps, you can potentially reduce your insurance expenses while enjoying the thrill of driving this sporty car.
Frequently Asked Questions
Are brzs expensive to insure?
Auto insurance for a Subaru BRZ will cost about $2,549 per year. This beats the national average for popular coupe models by $346. Our car insurance comparison study assumes a 40 year old good driver with full coverage and good credit that drives around 13,000 miles per year.
Is a Subaru BRZ a sports car for insurance?
Because it is a sports car, the Subaru BRZ may be at a higher risk of theft, which leads to higher insurance rates.
Is Subaru BRZ a reliable car?
The probability of a repair being a severe or major issue is 18% for the Subaru BRZ, compared to an average of 11% for subcompact cars and 12% for all vehicle models. The average total annual cost for unscheduled repairs and maintenance across all model years of a vehicle.
Are Subaru more expensive to insure?
Subaru vehicles are generally less expensive to insure than luxury or sports car brands, but insurance rates can vary depending on the specific model and your personal driving history.
