Estimates, not quotes

Ford Mustang vs Subaru BRZ Insurance Cost

The Subaru BRZ is cheaper to insure by about $125 a year for full coverage by our estimate ($1,865 vs. $1,740), and cheaper in 51 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

CoverageFord MustangSubaru BRZDifference
State minimum$565$620−$55
Standard (100/300/100)$820$895−$75
Full coverage$1,865$1,740+$125

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

Why one costs more to insure

FactorFord MustangSubaru BRZ
SegmentSports carSports car
PowertrainsGasolineGasoline
HLDI collision (100 = avg)184121
HLDI comprehensive115—
HLDI property damage liability8193
HLDI bodily injury liability——
NHTSA overall rating5★—
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)180

Collision losses are the biggest swing factor: the Ford Mustang has 63 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

Mustang vs BRZ insurance by state

StateMustangBRZDifference
Alabama$1,670$1,535+$135
Alaska$1,665$1,530+$135
Arizona$1,920$1,820+$100
Arkansas$1,705$1,565+$140
California$1,925$1,725+$200
Colorado$2,080$1,990+$90
Connecticut$1,950$1,830+$120
Delaware$1,985$1,900+$85
District of Columbia$2,400$2,205+$195
Florida$2,485$2,415+$70
Georgia$2,210$2,115+$95
Hawaii$1,350$1,210+$140
Idaho$1,275$1,185+$90
Illinois$1,645$1,520+$125
Indiana$1,350$1,245+$105
Iowa$1,300$1,215+$85
Kansas$1,510$1,420+$90
Kentucky$1,545$1,460+$85
Louisiana$2,535$2,395+$140
Maine$1,220$1,120+$100
Maryland$2,075$1,940+$135
Massachusetts$1,870$1,715+$155
Michigan$2,075$1,905+$170
Minnesota$1,565$1,470+$95
Mississippi$1,800$1,680+$120
Missouri$1,695$1,595+$100
Montana$1,510$1,420+$90
Nebraska$1,515$1,420+$95
Nevada$2,020$1,945+$75
New Hampshire$1,370$1,250+$120
New Jersey$2,165$2,055+$110
New Mexico$1,685$1,570+$115
New York$2,415$2,295+$120
North Carolina$1,470$1,325+$145
North Dakota$1,250$1,155+$95
Ohio$1,360$1,255+$105
Oklahoma$1,710$1,595+$115
Oregon$1,610$1,535+$75
Pennsylvania$1,680$1,540+$140
Rhode Island$2,210$2,075+$135
South Carolina$1,905$1,835+$70
South Dakota$1,455$1,380+$75
Tennessee$1,600$1,465+$135
Texas$2,220$2,080+$140
Utah$1,645$1,555+$90
Vermont$1,285$1,160+$125
Virginia$1,610$1,500+$110
Washington$1,585$1,495+$90
West Virginia$1,590$1,480+$110
Wisconsin$1,290$1,205+$85
Wyoming$1,500$1,410+$90

By driver profile (full coverage)

DriverMustangBRZ
Teen driver (18, own policy)$5,125$4,785
Young adult (22)$2,980$2,785
Adult in their 30s$1,865$1,740
Adult in their 50s$1,715$1,600
Senior (72)$2,085$1,950
30s, one at-fault accident$2,700$2,525
30s, DUI on record$3,445$3,220

More comparisons

Frequently asked questions

Is the Ford Mustang or the Subaru BRZ cheaper to insure?

By our estimate the Subaru BRZ is cheaper, by about $125 a year for full coverage ($1,865 vs. $1,740) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Ford Mustang and Subaru BRZ?

Mostly because of insurance-loss history: HLDI collision indices of 184 vs. 121 and comprehensive indices of 115 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