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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Average insurance rates for a Subaru Solterra are $1,892 a year with full coverage. Comprehensive insurance costs around $370, collision insurance costs $686, and liability costs around $598. Buying just liability costs as low as $688 a year, and insurance for high-risk drivers costs $4,094 or more. Teenage drivers receive the highest rates at up to $7,184 a year.
Average premium for full coverage: $1,892
Rate estimates for individual coverage type:
Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all Solterra models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from the low end price of $688 for just liability insurance to the much higher price of $4,094 for a high-risk driver policy.
Price Range by Location
Where you live can make a big difference on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than densely populated cities. The example below illustrates how location helps determine auto insurance rates.
These examples demonstrate why everyone should compare prices for a specific zip code, instead of making a decision based on average rates.
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 details average Subaru Solterra insurance rates for additional coverage choices and driver risks.
- The best discount rate is $1,099
- Using higher $1,000 deductibles will save about $242 annually
- The estimated price for a 40-year-old driver using $500 deductibles is $1,892
- Using pricier low deductibles for physical damage coverage will cost an additional $464 annually
- High-risk insureds who are prone to accidents and violations could pay at least $4,094
- The cost that insures a 16-year-old driver for full coverage can be $7,184 or more
Auto insurance rates for a Subaru Solterra can also vary considerably based on the model of your Solterra, your age and driving habits, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you may be forking out at least $2,200 to $3,100 in extra premium per year, depending on your age. Subaru Solterra insurance for high-risk drivers can be from 43% to 130% more than a normal policy. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,700 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay as much as $7,100 a year. View Rates by Age
Where you live has a huge impact on Subaru Solterra insurance prices. A driver around age 40 might see rates as low as $1,360 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,550 on average in Florida, Michigan, 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% |
Using high physical damage deductibles could cut rates by as much as $710 annually, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $538 extra every year. View Rates by Deductible or Liability Limit
| 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 Cheaper Subaru Solterra Insurance
Saving money on insurance for a Subaru Solterra requires being a good driver, maintaining a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Compare prices every time your policy renews by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following list is a condensed summary of the information covered in the charts and tables above.
- You may be able to save up to $220 per year just by quoting online well ahead of the renewal date
- Drivers age 16 to 20 are expensive to insure, with premiums as much as $599 per month if the policy includes full coverage
- Increasing deductibles can save approximately $700 each year
- Drivers considered higher risk with multiple at-fault accidents may pay on average $2,200 more every year than a safer driver
- Insureds who may need an increased level of liability coverage will pay an extra $660 every year to increase from a minimum limit to the 250/500 level
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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