Nissan GT-R vs Subaru BRZ Insurance Cost

The Subaru BRZ is cheaper to insure by about $35 a year for full coverage by our estimate ($1,775 vs. $1,740), and cheaper in 43 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	Nissan GT-R	Subaru BRZ	Difference
State minimum	$690	$620	+$70
Standard (100/300/100)	$995	$895	+$100
Full coverage	$1,775	$1,740	+$35

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

Why one costs more to insure

Factor	Nissan GT-R	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)	1	0

GT-R vs BRZ insurance by state

State	GT-R	BRZ	Difference
Alabama	$1,545	$1,535	+$10
Alaska	$1,560	$1,530	+$30
Arizona	$1,855	$1,820	+$35
Arkansas	$1,565	$1,565	—
California	$1,750	$1,725	+$25
Colorado	$2,000	$1,990	+$10
Connecticut	$1,890	$1,830	+$60
Delaware	$1,980	$1,900	+$80
District of Columbia	$2,245	$2,205	+$40
Florida	$2,530	$2,415	+$115
Georgia	$2,195	$2,115	+$80
Hawaii	$1,230	$1,210	+$20
Idaho	$1,205	$1,185	+$20
Illinois	$1,540	$1,520	+$20
Indiana	$1,260	$1,245	+$15
Iowa	$1,200	$1,215	−$15
Kansas	$1,410	$1,420	−$10
Kentucky	$1,490	$1,460	+$30
Louisiana	$2,450	$2,395	+$55
Maine	$1,130	$1,120	+$10
Maryland	$1,995	$1,940	+$55
Massachusetts	$1,750	$1,715	+$35
Michigan	$1,940	$1,905	+$35
Minnesota	$1,475	$1,470	+$5
Mississippi	$1,690	$1,680	+$10
Missouri	$1,605	$1,595	+$10
Montana	$1,405	$1,420	−$15
Nebraska	$1,415	$1,420	−$5
Nevada	$2,040	$1,945	+$95
New Hampshire	$1,265	$1,250	+$15
New Jersey	$2,140	$2,055	+$85
New Mexico	$1,590	$1,570	+$20
New York	$2,380	$2,295	+$85
North Carolina	$1,330	$1,325	+$5
North Dakota	$1,130	$1,155	−$25
Ohio	$1,270	$1,255	+$15
Oklahoma	$1,595	$1,595	—
Oregon	$1,590	$1,535	+$55
Pennsylvania	$1,550	$1,540	+$10
Rhode Island	$2,145	$2,075	+$70
South Carolina	$1,890	$1,835	+$55
South Dakota	$1,340	$1,380	−$40
Tennessee	$1,475	$1,465	+$10
Texas	$2,095	$2,080	+$15
Utah	$1,610	$1,555	+$55
Vermont	$1,155	$1,160	−$5
Virginia	$1,525	$1,500	+$25
Washington	$1,545	$1,495	+$50
West Virginia	$1,480	$1,480	—
Wisconsin	$1,210	$1,205	+$5
Wyoming	$1,370	$1,410	−$40

By driver profile (full coverage)

Driver	GT-R	BRZ
Teen driver (18, own policy)	$4,880	$4,785
Young adult (22)	$2,840	$2,785
Adult in their 30s	$1,775	$1,740
Adult in their 50s	$1,635	$1,600
Senior (72)	$1,990	$1,950
30s, one at-fault accident	$2,575	$2,525
30s, DUI on record	$3,285	$3,220

More comparisons

Frequently asked questions

Is the Nissan GT-R or the Subaru BRZ cheaper to insure?

By our estimate the Subaru BRZ is cheaper, by about $35 a year for full coverage ($1,775 vs. $1,740) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Nissan GT-R 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