Subaru Solterra Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Average auto insurance rates for a Subaru Solterra are $1,892 annually with full coverage. Comprehensive costs on average $370, collision insurance costs $686, and liability insurance is $598. Buying just liability costs around $688 a year, and insurance for high-risk drivers costs around $4,094. Teenage drivers receive the highest rates at up to $7,184 a year.
Average premium for full coverage: $1,892
Rate estimates by individual coverage type:
Prices include $500 deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for all Solterra models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from as cheap as $688 for just liability coverage to the much higher price of $4,094 for a driver that may need high-risk insurance.
Price Range by Location
Choosing to live in a large city has a significant impact on auto insurance rates. Rural areas tend to have fewer collision claims than densely populated cities. The example below illustrates the difference location can make on car insurance rates.
These examples demonstrate why everyone should compare rates quotes based on a specific location and their own personal driving habits, rather than relying 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.
Detailed Rate Analysis
The chart below details average Subaru Solterra insurance rates for different risk profiles and scenarios.
- The best discount rate is $1,099
- Raising to $1,000 deductibles will save around $242 annually
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,892
- Using pricier low deductibles will cost $2,356
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $4,094
- The cost with full coverage for a teen driver for full coverage may cost $7,184
Auto insurance rates for a Subaru Solterra can also vary considerably based on the trim level of your Solterra, your driving record, and policy deductibles and limits.
A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,700 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay upwards of $7,100 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $2,200 to $3,100 in extra premium per year, depending on your age. Subaru Solterra insurance for high-risk drivers is expensive and can cost anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce rates by up to $710 each year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $538 extra every year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Subaru Solterra insurance rates. A middle-age driver might find 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% |
| 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 Buy the Right Subaru Solterra Insurance
Saving money on Subaru Solterra insurance consists of not taking risks behind the wheel, having above-average credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Make time to compare rates once a year by obtaining price quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.
The following is a quick rundown of the data that was touched on in this article.
- You may be able to save as much as $220 per year just by quoting online well ahead of the renewal date
- Drivers who require higher liability limits will pay an extra $660 every year to raise from a minimum limit to higher 250/500 limits
- Teens are charged the highest rates, with premiums as much as $599 per month if full coverage is included
- High-risk drivers with reckless driving or DUI convictions pay an average of $2,200 more each year for Solterra insurance
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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