Insurance for Subaru Vehicles
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 6, 2024
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The table below lists average insurance rates for some of the more popular Subaru vehicles. Some additional models are shown at the bottom of the page
| Vehicle Model | Annual Premium | Monthly Premium |
|---|---|---|
| Subaru Ascent | $1,774 | $148 |
| Subaru BRZ | $1,376 | $115 |
| Subaru Crosstrek | $1,320 | $110 |
| Subaru Forester | $1,346 | $112 |
| Subaru Impreza | $1,428 | $119 |
| Subaru Legacy | $1,388 | $116 |
| Subaru Outback | $1,378 | $115 |
| Subaru Solterra | $1,918 | $160 |
| Subaru Tribeca | $1,440 | $120 |
| Subaru WRX | $1,394 | $116 |
| Get Rates for Your Model Go | ||
Rates assume current model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
The above chart averages rate data from all Subaru vehicles listed in the table above to show how different scenarios can impact the price of car insurance.
Insurance rates for a Subaru are quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.
Older drivers with a clean driving record and high deductibles could pay as little as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay at least $4,800 a year.
The state you live in makes a big difference in Subaru insurance rates. A 40-year-old driver could pay as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,820 on average in California, Montana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,244 | -$132 | -9.6% |
| Alaska | $1,056 | -$320 | -23.3% |
| Arizona | $1,142 | -$234 | -17.0% |
| Arkansas | $1,376 | -$0 | 0.0% |
| California | $1,570 | $194 | 14.1% |
| Colorado | $1,314 | -$62 | -4.5% |
| Connecticut | $1,414 | $38 | 2.8% |
| Delaware | $1,556 | $180 | 13.1% |
| Florida | $1,722 | $346 | 25.1% |
| Georgia | $1,272 | -$104 | -7.6% |
| Hawaii | $990 | -$386 | -28.1% |
| Idaho | $934 | -$442 | -32.1% |
| Illinois | $1,026 | -$350 | -25.4% |
| Indiana | $1,038 | -$338 | -24.6% |
| Iowa | $928 | -$448 | -32.6% |
| Kansas | $1,306 | -$70 | -5.1% |
| Kentucky | $1,878 | $502 | 36.5% |
| Louisiana | $2,038 | $662 | 48.1% |
| Maine | $852 | -$524 | -38.1% |
| Maryland | $1,138 | -$238 | -17.3% |
| Massachusetts | $1,098 | -$278 | -20.2% |
| Michigan | $2,392 | $1,016 | 73.8% |
| Minnesota | $1,154 | -$222 | -16.1% |
| Mississippi | $1,650 | $274 | 19.9% |
| Missouri | $1,222 | -$154 | -11.2% |
| Montana | $1,478 | $102 | 7.4% |
| Nebraska | $1,086 | -$290 | -21.1% |
| Nevada | $1,650 | $274 | 19.9% |
| New Hampshire | $994 | -$382 | -27.8% |
| New Jersey | $1,540 | $164 | 11.9% |
| New Mexico | $1,218 | -$158 | -11.5% |
| New York | $1,450 | $74 | 5.4% |
| North Carolina | $792 | -$584 | -42.4% |
| North Dakota | $1,128 | -$248 | -18.0% |
| Ohio | $948 | -$428 | -31.1% |
| Oklahoma | $1,412 | $36 | 2.6% |
| Oregon | $1,262 | -$114 | -8.3% |
| Pennsylvania | $1,312 | -$64 | -4.7% |
| Rhode Island | $1,836 | $460 | 33.4% |
| South Carolina | $1,248 | -$128 | -9.3% |
| South Dakota | $1,162 | -$214 | -15.6% |
| Tennessee | $1,204 | -$172 | -12.5% |
| Texas | $1,660 | $284 | 20.6% |
| Utah | $1,018 | -$358 | -26.0% |
| Vermont | $940 | -$436 | -31.7% |
| Virginia | $826 | -$550 | -40.0% |
| Washington | $1,062 | -$314 | -22.8% |
| West Virginia | $1,262 | -$114 | -8.3% |
| Wisconsin | $952 | -$424 | -30.8% |
| Wyoming | $1,226 | -$150 | -10.9% |
Opting for high physical damage deductibles could save up to $620 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase rates by as much as $285 more per year
If you have some driving violations or tend to cause accidents, you are probably paying $1,600 to $2,200 extra each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 45% to 130% more than the average rate.
Since rates can be so different, the only way to figure out who has the cheapest rates is to get quotes from as many companies as possible. Every company utilizes a different rate formula, so the rates may be quite different from one company to the next.
Additional Subaru Vehicles
U.S. averages for full coverage Subaru vehicle insurance
National average data is compiled from all 50 U.S. states for the Subaru models in the rate table on this page. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record.
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,880 |
| 20 | $3,124 |
| 30 | $1,450 |
| 40 | $1,376 |
| 50 | $1,252 |
| 60 | $1,228 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,782 |
| $250 | $1,596 |
| $500 | $1,376 |
| $1,000 | $1,168 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,990 |
| 20 | $4,956 |
| 30 | $3,026 |
| 40 | $2,946 |
| 50 | $2,802 |
| 60 | $2,774 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $74 |
| Multi-vehicle | $68 |
| Homeowner | $19 |
| 5-yr Accident Free | $103 |
| 5-yr Claim Free | $88 |
| Paid in Full/EFT | $65 |
| Advance Quote | $68 |
| Online Quote | $99 |
| Total Discounts | $584 |
Discounts are estimated and may not be available from every company or in every state.
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