Speed demons have found their chariot, and insurance companies aren’t thrilled about it. The Subaru BRZ claims the dubious honor of having America’s most ticket-prone drivers, with 23.9% sporting speeding violations on their records—nearly triple the national average of 8.3%.
The Affordable Speed Trap
Your typical BRZ buyer isn’t dropping Porsche money for their thrills. At $30,195, this rear-wheel-drive coupe delivers genuine sports car DNA without the trust-fund price tag. The 2.4-liter Boxer engine pushes 228 horses to a manufacturer-reported 140mph top speed, hitting 60mph in roughly six seconds.
Affordable performance creates dangerous temptation. When you’re not worried about depreciating a six-figure investment, that open highway becomes your personal racetrack. According to Insurify data, the BRZ leads a trend where budget-conscious speed seekers consistently outpace luxury car owners in ticket accumulation:
- Hyundai Genesis Coupe (21.9%)
- Volkswagen GTI (18.8%)
- Chevrolet Cruze Limited (17.9%)
The Insurance Reality Check
Here’s where the math gets brutal. BRZ owners already pay around $3,180 annually for coverage, but one speeding ticket bumps that to $3,540. You’re suddenly paying premium money to insure an economy-priced sports car.
The data comes from millions of insurance applications, revealing a stark correlation between car choice and driver behavior. While the methodology doesn’t prove tickets happened in the reported vehicle, the pattern screams loud enough to wake your neighbors: accessible performance cars attract drivers who push limits.
The Psychology of Affordable Rebellion
Think of the BRZ as the energy drink of the car world—relatively cheap, guaranteed to get your heart racing, and likely to get you in trouble if you’re not careful. Young buyers drawn to its promised land of rear-wheel slides and canyon carving often discover that same urge doesn’t magically disappear during their morning commute.
Your insurance company understands this better than you do. They’ve connected the dots between affordable thrills and expensive claims, pricing policies accordingly. The BRZ may democratize sports car ownership, but it also democratizes the consequences of automotive enthusiasm.
Smart buyers should factor those speeding ticket probabilities into your purchase decision. Sometimes the real cost of entry isn’t the sticker price—it’s everything that follows.
