Toyota GR86 vs Subaru BRZ Insurance Cost
The Subaru BRZ is cheaper to insure by about $355 a year for full coverage by our estimate ($2,095 vs. $1,740), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Toyota GR86 | Subaru BRZ | Difference |
|---|---|---|---|
| State minimum | $670 | $620 | +$50 |
| Standard (100/300/100) | $970 | $895 | +$75 |
| Full coverage | $2,095 | $1,740 | +$355 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = GR86 minus BRZ.
Why one costs more to insure
| Factor | Toyota GR86 | Subaru BRZ |
|---|---|---|
| Segment | Sports car | Sports car |
| Powertrains | Gasoline | Gasoline |
| HLDI collision (100 = avg) | 191 | 121 |
| HLDI comprehensive | 116 | — |
| HLDI property damage liability | 102 | 93 |
| HLDI bodily injury liability | 112 | — |
| NHTSA overall rating | — | — |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 1 | 0 |
Collision losses are the biggest swing factor: the Toyota GR86 has 70 points higher relative collision losses, meaning its crash repairs cost insurers more on average.
GR86 vs BRZ insurance by state
By driver profile (full coverage)
| Driver | GR86 | BRZ |
|---|---|---|
| Teen driver (18, own policy) | $5,755 | $4,785 |
| Young adult (22) | $3,350 | $2,785 |
| Adult in their 30s | $2,095 | $1,740 |
| Adult in their 50s | $1,925 | $1,600 |
| Senior (72) | $2,345 | $1,950 |
| 30s, one at-fault accident | $3,035 | $2,525 |
| 30s, DUI on record | $3,870 | $3,220 |
More comparisons
Frequently asked questions
Is the Toyota GR86 or the Subaru BRZ cheaper to insure?
By our estimate the Subaru BRZ is cheaper, by about $355 a year for full coverage ($2,095 vs. $1,740) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Toyota GR86 and Subaru BRZ?
Mostly because of insurance-loss history: HLDI collision indices of 191 vs. 121 and comprehensive indices of 116 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.