Subaru Solterra Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Mar 28, 2024
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The average insurance rates for a Subaru Solterra are $1,892 a year including full coverage. Comprehensive insurance costs on average $370, collision costs $686, and liability costs around $598. A liability-only policy costs as low as $688 a year, with high-risk insurance costing $4,094 or more. Teen drivers cost the most to insure at $7,184 a year or more.
Average premium for full coverage: $1,892
Policy rates by type of insurance:
Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all Solterra models.
Price Range Variability
For the normal driver, Subaru Solterra insurance rates go from as low as $688 for just liability insurance to the much higher price of $4,094 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Where you live can have significant affects on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.
The example below illustrates how geographic area affects car insurance rates.
The examples above highlight why everyone should compare prices based on a specific location and risk profile, instead of using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below breaks down estimated Subaru Solterra insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $1,099
- Using higher $1,000 deductibles will save around $242 every year
- The average rate for a good driver age 40 with $500 deductibles is $1,892
- Choosing pricier low deductibles for physical damage coverage will cost an extra $464 every year
- Drivers with multiple violations and an at-fault accident could pay upwards of $4,094 or more
- Policy cost for full coverage for a teen driver for full coverage may cost $7,184 or more
Car insurance rates for a Subaru Solterra also range considerably based on your risk profile, the model of your Solterra, and policy deductibles and limits.
A more mature driver with no driving violations and high deductibles may pay as little as $1,700 a year, or $142 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged upwards of $7,100 a year. View Rates by Age
Your home state has a huge impact on Subaru Solterra insurance prices. A driver around age 40 might see rates as low as $1,450 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,700 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,710 | -$182 | -9.6% |
| Alaska | $1,450 | -$442 | -23.4% |
| Arizona | $1,566 | -$326 | -17.2% |
| Arkansas | $1,892 | -$0 | 0.0% |
| California | $2,156 | $264 | 14.0% |
| Colorado | $1,804 | -$88 | -4.7% |
| Connecticut | $1,942 | $50 | 2.6% |
| Delaware | $2,140 | $248 | 13.1% |
| Florida | $2,364 | $472 | 24.9% |
| Georgia | $1,746 | -$146 | -7.7% |
| Hawaii | $1,358 | -$534 | -28.2% |
| Idaho | $1,282 | -$610 | -32.2% |
| Illinois | $1,410 | -$482 | -25.5% |
| Indiana | $1,424 | -$468 | -24.7% |
| Iowa | $1,278 | -$614 | -32.5% |
| Kansas | $1,794 | -$98 | -5.2% |
| Kentucky | $2,578 | $686 | 36.3% |
| Louisiana | $2,800 | $908 | 48.0% |
| Maine | $1,166 | -$726 | -38.4% |
| Maryland | $1,560 | -$332 | -17.5% |
| Massachusetts | $1,512 | -$380 | -20.1% |
| Michigan | $3,282 | $1,390 | 73.5% |
| Minnesota | $1,584 | -$308 | -16.3% |
| Mississippi | $2,262 | $370 | 19.6% |
| Missouri | $1,678 | -$214 | -11.3% |
| Montana | $2,030 | $138 | 7.3% |
| Nebraska | $1,490 | -$402 | -21.2% |
| Nevada | $2,264 | $372 | 19.7% |
| New Hampshire | $1,360 | -$532 | -28.1% |
| New Jersey | $2,112 | $220 | 11.6% |
| New Mexico | $1,676 | -$216 | -11.4% |
| New York | $1,992 | $100 | 5.3% |
| North Carolina | $1,088 | -$804 | -42.5% |
| North Dakota | $1,546 | -$346 | -18.3% |
| Ohio | $1,302 | -$590 | -31.2% |
| Oklahoma | $1,940 | $48 | 2.5% |
| Oregon | $1,732 | -$160 | -8.5% |
| Pennsylvania | $1,804 | -$88 | -4.7% |
| Rhode Island | $2,522 | $630 | 33.3% |
| South Carolina | $1,712 | -$180 | -9.5% |
| South Dakota | $1,596 | -$296 | -15.6% |
| Tennessee | $1,656 | -$236 | -12.5% |
| Texas | $2,276 | $384 | 20.3% |
| Utah | $1,400 | -$492 | -26.0% |
| Vermont | $1,292 | -$600 | -31.7% |
| Virginia | $1,132 | -$760 | -40.2% |
| Washington | $1,460 | -$432 | -22.8% |
| West Virginia | $1,732 | -$160 | -8.5% |
| Wisconsin | $1,310 | -$582 | -30.8% |
| Wyoming | $1,682 | -$210 | -11.1% |
Choosing high deductibles could cut rates by as much as $710 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $538 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $2,200 to $3,100 extra every year, depending on your age. Subaru Solterra insurance for high-risk drivers can be as much as 43% to 130% more than average. View High Risk Driver Rates
Because rates have so much variability, the best way to figure out exactly what you will pay is to regularly compare rates and see which company has the best rate. Each insurance company uses a different rate calculation, so rate quotes will be varied from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Subaru Solterra | $370 | $686 | $598 | $1,892 |
| 2023 Subaru Solterra | $356 | $668 | $624 | $1,886 |
Rates are averaged for all Subaru Solterra models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Subaru Solterra Insurance
Finding cheaper rates on car insurance requires avoiding accidents and claims, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to compare rates once a year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The points below are a brief recap of the data that was presented in the illustrations above.
- You may be able to save as much as $220 per year simply by quoting online well ahead of the renewal date
- Policyholders who require increased liability limits will pay about $660 per year to increase from a 30/60 limit to 250/500 limits
- Drivers under the age of 20 are expensive to insure, with premiums being up to $599 each month if full coverage is included
- Higher risk drivers who tend to receive serious violations may pay on average $2,200 more each year to insure a Subaru Solterra
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $7,184 |
| 20 | $4,378 |
| 30 | $1,962 |
| 40 | $1,892 |
| 50 | $1,730 |
| 60 | $1,698 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,356 |
| $250 | $2,140 |
| $500 | $1,892 |
| $1,000 | $1,650 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,892 |
| 50/100 | $2,012 |
| 100/300 | $2,161 |
| 250/500 | $2,550 |
| 100 CSL | $2,071 |
| 300 CSL | $2,400 |
| 500 CSL | $2,640 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $10,224 |
| 20 | $6,964 |
| 30 | $4,172 |
| 40 | $4,094 |
| 50 | $3,908 |
| 60 | $3,872 |
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 | $99 |
| Multi-vehicle | $100 |
| Homeowner | $29 |
| 5-yr Accident Free | $136 |
| 5-yr Claim Free | $121 |
| Paid in Full/EFT | $84 |
| Advance Quote | $92 |
| Online Quote | $132 |
| Total Discounts | $793 |
Discounts are estimated and may not be available from every company or in every state.
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