Dodge Challenger vs Subaru BRZ Insurance Cost

The Dodge Challenger is cheaper to insure by about $35 a year for full coverage by our estimate ($1,705 vs. $1,740), and cheaper in 47 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Dodge Challenger	Subaru BRZ	Difference
State minimum	$665	$620	+$45
Standard (100/300/100)	$965	$895	+$70
Full coverage	$1,705	$1,740	−$35

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Challenger minus BRZ.

Why one costs more to insure

Factor	Dodge Challenger	Subaru BRZ
Segment	Sports car	Sports car
Powertrains	Gasoline, Flex-fuel	Gasoline
HLDI collision (100 = avg)	—	121
HLDI comprehensive	—	—
HLDI property damage liability	—	93
HLDI bodily injury liability	—	—
NHTSA overall rating	5★	—
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	6	0

Challenger vs BRZ insurance by state

State	Challenger	BRZ	Difference
Alabama	$1,485	$1,535	−$50
Alaska	$1,495	$1,530	−$35
Arizona	$1,785	$1,820	−$35
Arkansas	$1,500	$1,565	−$65
California	$1,680	$1,725	−$45
Colorado	$1,920	$1,990	−$70
Connecticut	$1,815	$1,830	−$15
Delaware	$1,905	$1,900	+$5
District of Columbia	$2,155	$2,205	−$50
Florida	$2,435	$2,415	+$20
Georgia	$2,110	$2,115	−$5
Hawaii	$1,180	$1,210	−$30
Idaho	$1,155	$1,185	−$30
Illinois	$1,480	$1,520	−$40
Indiana	$1,210	$1,245	−$35
Iowa	$1,145	$1,215	−$70
Kansas	$1,350	$1,420	−$70
Kentucky	$1,430	$1,460	−$30
Louisiana	$2,355	$2,395	−$40
Maine	$1,085	$1,120	−$35
Maryland	$1,915	$1,940	−$25
Massachusetts	$1,680	$1,715	−$35
Michigan	$1,860	$1,905	−$45
Minnesota	$1,415	$1,470	−$55
Mississippi	$1,625	$1,680	−$55
Missouri	$1,540	$1,595	−$55
Montana	$1,345	$1,420	−$75
Nebraska	$1,355	$1,420	−$65
Nevada	$1,965	$1,945	+$20
New Hampshire	$1,215	$1,250	−$35
New Jersey	$2,060	$2,055	+$5
New Mexico	$1,525	$1,570	−$45
New York	$2,290	$2,295	−$5
North Carolina	$1,270	$1,325	−$55
North Dakota	$1,080	$1,155	−$75
Ohio	$1,215	$1,255	−$40
Oklahoma	$1,525	$1,595	−$70
Oregon	$1,530	$1,535	−$5
Pennsylvania	$1,485	$1,540	−$55
Rhode Island	$2,065	$2,075	−$10
South Carolina	$1,820	$1,835	−$15
South Dakota	$1,280	$1,380	−$100
Tennessee	$1,415	$1,465	−$50
Texas	$2,010	$2,080	−$70
Utah	$1,550	$1,555	−$5
Vermont	$1,105	$1,160	−$55
Virginia	$1,465	$1,500	−$35
Washington	$1,485	$1,495	−$10
West Virginia	$1,415	$1,480	−$65
Wisconsin	$1,160	$1,205	−$45
Wyoming	$1,310	$1,410	−$100

By driver profile (full coverage)

Driver	Challenger	BRZ
Teen driver (18, own policy)	$4,690	$4,785
Young adult (22)	$2,730	$2,785
Adult in their 30s	$1,705	$1,740
Adult in their 50s	$1,570	$1,600
Senior (72)	$1,910	$1,950
30s, one at-fault accident	$2,470	$2,525
30s, DUI on record	$3,155	$3,220

More comparisons

Frequently asked questions

Is the Dodge Challenger or the Subaru BRZ cheaper to insure?

By our estimate the Dodge Challenger is cheaper, by about $35 a year for full coverage ($1,705 vs. $1,740) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Dodge Challenger and Subaru BRZ?

Mostly because of insurance-loss history: HLDI collision indices of n/a vs. 121 and comprehensive indices of n/a vs. n/a (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page