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 prices for a Subaru Solterra are $1,892 every 12 months for full coverage. Comprehensive costs an estimated $370, collision costs $686, and liability is estimated at $598. A liability-only policy costs approximately $688 a year, with high-risk insurance costing around $4,094. Teen drivers receive the highest rates at $7,184 a year or more.
Average premium for full coverage: $1,892
Rate estimates broken down by individual coverage type:
Rates are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for different Solterra trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from the cheapest price of $688 for just liability coverage to a much higher rate of $4,094 for a driver who has had serious violations or accidents.
Price Range by Location
Living in a larger city can have significant affects on insurance rates. More rural locations tend to have more infrequent accident claims than larger metro areas.
The price range example below illustrates how rural and urban location affects insurance prices.
These examples show why anyone shopping for car insurance should get quotes for a targeted area and their own driving history, instead of using price 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.
Detailed Rate Analysis
The chart below shows estimated Subaru Solterra insurance rates for other coverage scenarios.
- The lowest rate with discounts is $1,099
- Choosing higher $1,000 deductibles can save approximately $242 a year
- The average price for a 40-year-old driver who has $500 deductibles is $1,892
- Choosing more expensive low deductibles for comp and collision coverage increases the price to $2,356
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $4,094 or more
- The cost to insure a teen driver with full coverage can cost as much as $7,184 each year
Insurance rates for a Subaru Solterra can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.
Choosing high deductibles can save as much as $710 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $538 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may pay as little as $1,700 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay at least $7,100 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying $2,200 to $3,100 extra per year, depending on your age. High-risk driver insurance ranges as much as 43% to 130% more than average. View High Risk Driver Rates
Where you live plays a big part in determining prices for Subaru Solterra insurance prices. A good driver about age 40 could pay as low as $1,250 a year in states like Iowa, Maine, and Idaho, or as much as $2,700 on average in New York, Louisiana, and Michigan.
| 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% |
With so much variability in rates, the only way to know which company is cheapest is to compare rates and see which company has the best rate. Each auto insurer uses a different rate calculation, so the rates can be significantly different.
| 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 Shop for the Best Cheap Subaru Solterra Insurance
Saving money on car insurance takes having a decent driving record, having good credit, eliminating unneeded coverage, and taking advantage of discounts. Set aside time to shop around every other policy renewal by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following items are a quick review of the ideas that were raised in the charts and tables above.
- 16 to 18-year-old drivers are charged the highest rates, costing as high as $599 per month if they have full coverage
- Higher risk drivers with a DUI or reckless driving violation pay on average $2,200 more annually than a driver with a clean driving record
- Increasing deductibles could save as much as $700 each year
- Drivers can save approximately $220 per year simply by shopping early and online
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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