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 $1,896 every 12 months including full coverage. Comprehensive costs approximately $384 each year, collision insurance costs $690, and liability costs $584. Liability-only insurance costs as little as $678 a year, and high-risk driver insurance costs around $4,102. 16-year-old drivers pay the highest rates at up to $7,168 a year.
Average premium for full coverage: $1,896
Price estimates by individual coverage:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Solterra models.
Price Range from Low to High
For a driver in their 40's, Subaru Solterra insurance prices range from the cheapest price of $678 for just the minimum liability insurance to a high rate of $4,102 for a driver required to buy high-risk insurance.
Geographic Price Range
Your location can make a big difference on car insurance prices. Rural locations have more infrequent comprehensive and collision claims than congested cities. The graphic below illustrates how location helps determine auto insurance prices.
The ranges above highlight why all drivers should compare rates using their specific location and their own driving history, instead of making a decision based on rate 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.
Additional Rate Analysis
The chart below breaks down average Subaru Solterra insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $1,104
- Drivers who choose higher $1,000 deductibles will pay $244 every year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,896
- Buying low deductibles for comprehensive and collision insurance increases the price to $2,372
- Drivers with multiple tickets or accidents could pay around $4,102
- The price to insure a 16-year-old driver can cost $7,168 a year
Car insurance prices for a Subaru Solterra are also quite variable based on deductibles and policy limits, your driving characteristics, and the model of your Solterra.
Opting for high physical damage deductibles could save up to $720 annually, whereas increasing liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $525 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may pay as low as $1,800 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged in the ballpark of $7,100 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $2,200 to $3,100 extra each year, depending on your age. Insurance for high-risk drivers can cost from 43% to 129% more than the average rate. View High Risk Driver Rates
The state you live in makes a big difference in Subaru Solterra insurance prices. A 40-year-old driver could pay as low as $1,460 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,710 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,716 | -$180 | -9.5% |
| Alaska | $1,456 | -$440 | -23.2% |
| Arizona | $1,576 | -$320 | -16.9% |
| Arkansas | $1,896 | -$0 | 0.0% |
| California | $2,164 | $268 | 14.1% |
| Colorado | $1,814 | -$82 | -4.3% |
| Connecticut | $1,950 | $54 | 2.8% |
| Delaware | $2,150 | $254 | 13.4% |
| Florida | $2,374 | $478 | 25.2% |
| Georgia | $1,754 | -$142 | -7.5% |
| Hawaii | $1,362 | -$534 | -28.2% |
| Idaho | $1,286 | -$610 | -32.2% |
| Illinois | $1,414 | -$482 | -25.4% |
| Indiana | $1,430 | -$466 | -24.6% |
| Iowa | $1,282 | -$614 | -32.4% |
| Kansas | $1,804 | -$92 | -4.9% |
| Kentucky | $2,590 | $694 | 36.6% |
| Louisiana | $2,812 | $916 | 48.3% |
| Maine | $1,172 | -$724 | -38.2% |
| Maryland | $1,566 | -$330 | -17.4% |
| Massachusetts | $1,518 | -$378 | -19.9% |
| Michigan | $3,296 | $1,400 | 73.8% |
| Minnesota | $1,590 | -$306 | -16.1% |
| Mississippi | $2,274 | $378 | 19.9% |
| Missouri | $1,688 | -$208 | -11.0% |
| Montana | $2,040 | $144 | 7.6% |
| Nebraska | $1,496 | -$400 | -21.1% |
| Nevada | $2,276 | $380 | 20.0% |
| New Hampshire | $1,368 | -$528 | -27.8% |
| New Jersey | $2,122 | $226 | 11.9% |
| New Mexico | $1,682 | -$214 | -11.3% |
| New York | $2,002 | $106 | 5.6% |
| North Carolina | $1,094 | -$802 | -42.3% |
| North Dakota | $1,554 | -$342 | -18.0% |
| Ohio | $1,310 | -$586 | -30.9% |
| Oklahoma | $1,948 | $52 | 2.7% |
| Oregon | $1,738 | -$158 | -8.3% |
| Pennsylvania | $1,812 | -$84 | -4.4% |
| Rhode Island | $2,534 | $638 | 33.6% |
| South Carolina | $1,720 | -$176 | -9.3% |
| South Dakota | $1,602 | -$294 | -15.5% |
| Tennessee | $1,660 | -$236 | -12.4% |
| Texas | $2,286 | $390 | 20.6% |
| Utah | $1,404 | -$492 | -25.9% |
| Vermont | $1,300 | -$596 | -31.4% |
| Virginia | $1,136 | -$760 | -40.1% |
| Washington | $1,468 | -$428 | -22.6% |
| West Virginia | $1,742 | -$154 | -8.1% |
| Wisconsin | $1,314 | -$582 | -30.7% |
| Wyoming | $1,690 | -$206 | -10.9% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Subaru Solterra | $384 | $690 | $584 | $1,896 |
| 2023 Subaru Solterra | $370 | $686 | $598 | $1,892 |
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 More Affordable Subaru Solterra Insurance
Getting lower rates on insurance for a Subaru Solterra not only requires avoiding accidents and violations, but also maintaining a good credit score, being claim-free, and attention to physical damage deductibles. Invest time comparing rates at every policy renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
The list below is a summary of the data covered in the charts and tables above.
- Insureds who purchase higher liability limits will pay around $640 per year to go from a low limit to a 250/500 level
- You may be able to save around $230 per year just by quoting online in advance
- Increasing physical damage deductibles could save as much as $725 each year
- Teenagers pay the highest auto insurance prices, possibly costing $597 a month if the policy includes full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $7,168 |
| 20 | $4,384 |
| 30 | $1,974 |
| 40 | $1,896 |
| 50 | $1,736 |
| 60 | $1,704 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,372 |
| $250 | $2,152 |
| $500 | $1,896 |
| $1,000 | $1,652 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,896 |
| 50/100 | $2,013 |
| 100/300 | $2,159 |
| 250/500 | $2,538 |
| 100 CSL | $2,071 |
| 300 CSL | $2,392 |
| 500 CSL | $2,626 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $10,202 |
| 20 | $6,970 |
| 30 | $4,182 |
| 40 | $4,102 |
| 50 | $3,914 |
| 60 | $3,878 |
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 | $99 |
| Homeowner | $28 |
| 5-yr Accident Free | $136 |
| 5-yr Claim Free | $121 |
| Paid in Full/EFT | $84 |
| Advance Quote | $92 |
| Online Quote | $133 |
| Total Discounts | $792 |
Discounts are estimated and may not be available from every company or in every state.
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