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 prices for a Subaru Solterra are $1,892 every 12 months for full coverage. Comprehensive costs on average $370, collision insurance costs $686, and liability is $598. Liability-only coverage costs around $688 a year, and high-risk coverage costs around $4,094. Teens pay the highest rates at up to $7,184 a year.
Average premium for full coverage: $1,892
Price estimates by individual coverage:
Prices include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and for different Solterra trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Subaru Solterra insurance prices range from the cheapest price of $688 for basic liability insurance to a much higher rate of $4,094 for a driver required to buy high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Rural areas have more infrequent accident claims than cities with more traffic congestion. The price range example below illustrates how where you live affects car insurance rates.
The ranges above show why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, instead of making a decision based on 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.
Rate Comparisons
The chart below shows average Subaru Solterra insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $1,099
- Raising to $1,000 deductibles will save around $242 a year
- The average price for the average middle-age driver with $500 deductibles is $1,892
- Selecting more expensive low deductibles increases the price to $2,356
- Drivers with serious driving violations could pay upwards of $4,094
- The price to insure a 16-year-old driver with full coverage may cost $7,184
Auto insurance prices for a Subaru Solterra are also quite variable based on deductibles and policy limits, your driver profile, and the trim level of your Solterra.
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $710 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $538 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as low as $1,700 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay upwards of $7,100 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying at a minimum $2,200 to $3,100 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 130% more than the average policy. View High Risk Driver Rates
The state you live in also has a big influence on Subaru Solterra insurance prices. A middle-age driver might find prices as low as $1,250 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,700 on average in Michigan, Louisiana, and New York.
| 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% |
| 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 Shop for the Right Subaru Solterra Insurance
Getting lower rates on insurance for a Subaru Solterra consists of avoiding accidents and violations, having a good credit score, eliminating unnecessary coverage, and deciding if full coverage is necessary. Take the time to comparison shop at every policy renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The list below is a quick rundown of the data touched on in the above illustrations.
- Insureds who require higher liability limits will pay approximately $660 each year to raise from a low limit to a 250/500 level
- Drivers can save as much as $220 per year just by shopping early and online
- Increasing physical damage deductibles could save as much as $700 each year
- Teenagers are charged the highest prices, with premiums as much as $599 a month if comprehensive and collision insurance is included
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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