Subaru Solterra Insurance Rates
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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: Mar 28, 2024
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U.S. average insurance rates for a Subaru Solterra are $1,892 a year including full coverage. Comprehensive insurance costs on average $370 a year, collision costs $686, and liability costs around $598. A policy with just liability insurance costs as low as $688 a year, with coverage for high-risk drivers costing $4,094 or more. Teens pay the highest rates at $7,184 a year or more.
Average premium for full coverage: $1,892
Price estimates by individual coverage:
Prices include $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Solterra trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Subaru Solterra insurance prices go from as low as $688 for liability-only coverage to a high of $4,094 for a driver required to buy high-risk insurance.
Geographic Price Range
Where you live can have significant affects on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.
The diagram below illustrates how where you live affects car insurance rates.
The ranges above highlight why it is important to compare prices based on a specific location and risk profile, instead of using averaged prices.
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.
Additional Charts and Tables
The chart below breaks down estimated Subaru Solterra insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $1,099
- Using higher $1,000 deductibles will save around $1,650 every year
- The average rate for the average middle-age driver with $500 deductibles is $1,892
- Selecting low $100 deductibles for physical damage coverage will cost an extra $464 every year
- Drivers with serious driving violations could pay upwards of $4,094 or more
- The price for full coverage for a teen driver may cost $7,184 or more
Insurance prices for a Subaru Solterra are also quite variable based on your driving record, the model of your Solterra, and policy deductibles and limits.
Older drivers with a clean driving record and high deductibles may pay as little as $1,700 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay upwards of $7,100 a year. View Rates by Age
The state you live in has a huge impact on Subaru Solterra insurance prices. A driver around age 40 might see prices as low as $1,450 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $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 higher comprehensive and collision insurance deductibles could cut prices by as much as $710 every year, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $538 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $2,200 to $3,100 extra each year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 130% more than the average policy. View High Risk Driver Rates
Since prices can be so different, the best way to figure out exactly what you will pay is to get quotes and see which company has the best price. Each insurance company calculates prices differently, so the prices may be quite different 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 Right Subaru Solterra Insurance
Getting lower rates on car insurance requires avoiding accidents and claims, maintaining good credit, being claim-free, and bundling your home and auto policies. Take the time to comparison shop at every policy renewal by getting price quotes from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The points below are a quick rundown of the data touched on in the above illustrations.
- Policyholders who require increased liability limits will pay approximately $660 per year to increase from a low limit to 250/500 limits
- You may be able to save as much as $220 per year simply by quoting early and online
- Increasing physical damage deductibles can save around $700 each year
- Drivers under the age of 20 pay the highest prices, possibly costing $599 a month for full coverage
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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