Subaru Solterra Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The 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 insurance costs around $584. Liability-only coverage costs as low as $678 a year, and high-risk coverage costs around $4,102. Teens cost the most to insure at up to $7,168 a year.
Average premium for full coverage: $1,896
Policy rates by type of insurance:
These estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and Solterra models.
Price Range Variability
Using a 40-year-old driver as an example, Subaru Solterra insurance rates range from the cheapest price of $678 for your basic liability-only policy to a high rate of $4,102 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Where you live has a significant impact on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how rural and urban location affects auto insurance prices.
The examples above highlight why all drivers should compare prices using their specific location and their own driving history, rather than relying 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.
More Rate Information
The chart below breaks down average Subaru Solterra insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $1,104
- Using higher $1,000 deductibles will save $244 every year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,896
- Selecting low deductibles for physical damage coverage increases the price to $2,372
- Drivers with serious driving violations could pay around $4,102
- Policy cost to insure a teen driver can cost $7,168 or more
Insurance rates for a Subaru Solterra also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Solterra.
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $720 each year, whereas increasing liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $525 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,800 a year, or $150 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $7,100 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $2,200 to $3,100 additional every year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 129% more than the average policy. View High Risk Driver Rates
Your home state has a huge impact on Subaru Solterra insurance rates. A driver around age 40 might see rates as low as $1,460 a year in states like Vermont, New Hampshire, and Missouri, or have to pay 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 Cheap Subaru Solterra Insurance
Finding cheaper rates on Subaru Solterra insurance requires being a good driver, having above-average credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Set aside time to shop around at least once a year by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.
The following list is a brief summary of the primary concepts that were raised in the charts and tables above.
- You may be able to save around $230 per year just by quoting online in advance
- High-risk drivers that tend to have accidents or serious violations could be charged and average of $2,210 more per year than a safer driver
- Increasing comprehensive and collision deductibles could save as much as $725 each year
- Drivers age 16 to 20 are the costliest to insure, with premiums being up to $597 each month if full coverage is included
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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