Mitsubishi Eclipse vs Subaru BRZ Insurance Cost

The Mitsubishi Eclipse is cheaper to insure by about $295 a year for full coverage by our estimate ($1,445 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

Coverage	Mitsubishi Eclipse	Subaru BRZ	Difference
State minimum	$690	$620	+$70
Standard (100/300/100)	$995	$895	+$100
Full coverage	$1,445	$1,740	−$295

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

Why one costs more to insure

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

Eclipse vs BRZ insurance by state

State	Eclipse	BRZ	Difference
Alabama	$1,225	$1,535	−$310
Alaska	$1,255	$1,530	−$275
Arizona	$1,525	$1,820	−$295
Arkansas	$1,210	$1,565	−$355
California	$1,390	$1,725	−$335
Colorado	$1,605	$1,990	−$385
Connecticut	$1,580	$1,830	−$250
Delaware	$1,695	$1,900	−$205
District of Columbia	$1,805	$2,205	−$400
Florida	$2,200	$2,415	−$215
Georgia	$1,865	$2,115	−$250
Hawaii	$975	$1,210	−$235
Idaho	$970	$1,185	−$215
Illinois	$1,230	$1,520	−$290
Indiana	$1,005	$1,245	−$240
Iowa	$915	$1,215	−$300
Kansas	$1,090	$1,420	−$330
Kentucky	$1,225	$1,460	−$235
Louisiana	$2,020	$2,395	−$375
Maine	$895	$1,120	−$225
Maryland	$1,650	$1,940	−$290
Massachusetts	$1,420	$1,715	−$295
Michigan	$1,555	$1,905	−$350
Minnesota	$1,160	$1,470	−$310
Mississippi	$1,340	$1,680	−$340
Missouri	$1,280	$1,595	−$315
Montana	$1,080	$1,420	−$340
Nebraska	$1,095	$1,420	−$325
Nevada	$1,770	$1,945	−$175
New Hampshire	$1,010	$1,250	−$240
New Jersey	$1,825	$2,055	−$230
New Mexico	$1,275	$1,570	−$295
New York	$2,015	$2,295	−$280
North Carolina	$1,025	$1,325	−$300
North Dakota	$845	$1,155	−$310
Ohio	$1,010	$1,255	−$245
Oklahoma	$1,245	$1,595	−$350
Oregon	$1,350	$1,535	−$185
Pennsylvania	$1,220	$1,540	−$320
Rhode Island	$1,805	$2,075	−$270
South Carolina	$1,595	$1,835	−$240
South Dakota	$990	$1,380	−$390
Tennessee	$1,165	$1,465	−$300
Texas	$1,665	$2,080	−$415
Utah	$1,355	$1,555	−$200
Vermont	$885	$1,160	−$275
Virginia	$1,240	$1,500	−$260
Washington	$1,300	$1,495	−$195
West Virginia	$1,155	$1,480	−$325
Wisconsin	$955	$1,205	−$250
Wyoming	$1,015	$1,410	−$395

By driver profile (full coverage)

Driver	Eclipse	BRZ
Teen driver (18, own policy)	$3,980	$4,785
Young adult (22)	$2,315	$2,785
Adult in their 30s	$1,445	$1,740
Adult in their 50s	$1,330	$1,600
Senior (72)	$1,620	$1,950
30s, one at-fault accident	$2,100	$2,525
30s, DUI on record	$2,675	$3,220

More comparisons

Frequently asked questions

Is the Mitsubishi Eclipse or the Subaru BRZ cheaper to insure?

By our estimate the Mitsubishi Eclipse is cheaper, by about $295 a year for full coverage ($1,445 vs. $1,740) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Mitsubishi Eclipse 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