Subaru Solterra Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance rates for a Subaru Solterra are $1,892 a year with full coverage. Comprehensive costs around $370 each year, collision costs $686, and liability is $598. Liability-only insurance costs around $688 a year, with high-risk driver insurance costing around $4,094. Teens cost the most to insure at $7,184 a year or more.
Average premium for full coverage: $1,892
Policy rates for type of insurance:
Prices include $500 deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and Solterra models.
Price Range Variability
For a driver around age 40, Subaru Solterra insurance rates go from the low end price of $688 for the bare minimum liability coverage to a high rate of $4,094 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than cities with more traffic congestion.
The graphic below illustrates the difference between rural and urban areas on auto insurance rates.
The examples above demonstrate why all drivers should compare rates quotes for a specific zip code, 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 Rate Information
The chart below details estimated Subaru Solterra insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $1,099
- Raising to $1,000 deductibles will save about $242 annually
- The estimated price for a good driver age 40 using $500 deductibles is $1,892
- Selecting low deductibles bumps up the cost to $2,356
- At-risk drivers with serious driving violations could pay at least $4,094 or more
- Policy cost that insures a teen driver can be $7,184
Auto insurance rates for a Subaru Solterra also range considerably based on the trim level and model year, your age and driving habits, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you may be forking out at least $2,200 to $3,100 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 130% more than the average policy. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,700 every 12 months on average, or $142 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay as much as $7,100 a year. View Rates by Age
Your home state also has a big influence on Subaru Solterra insurance prices. A middle-age driver might find rates as low as $1,360 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $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% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $710 every year, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $538 extra every year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to find out your exact price is to do a rate comparison and see which company has the best rate. Every auto insurance company calculates rates differently, and quoted rates will be varied.
| 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
Finding cheaper rates on car insurance consists of not taking risks behind the wheel, maintaining a good credit score, not filing small claims, and maximizing policy discounts. Compare rates every year by getting quotes from direct companies, and also from your local independent and exclusive agents.
The following is a quick rundown of the coverage data covered above.
- You may be able to save up to $220 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles can save approximately $700 each year
- Teens are expensive to insure, as much as $599 each month if the policy includes full coverage
- Higher risk drivers with reckless driving or DUI convictions may pay on average $2,200 more every 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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