Subaru Solterra Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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U.S. average auto insurance rates for a Subaru Solterra are $1,892 annually including full coverage. Comprehensive insurance costs on average $370 a year, collision costs $686, and liability is $598. Buying just liability costs around $688 a year, with insurance for high-risk drivers costing $4,094 or more. Teenage drivers pay the highest rates at $7,184 a year or more.
Average premium for full coverage: $1,892
Price estimates by individual coverage:
Price estimates include $500 deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and Solterra trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Subaru Solterra insurance prices go from as cheap as $688 for your basic liability-only policy to a high of $4,094 for a driver that may need high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Rural areas have fewer comprehensive and collision claims than densely populated cities.
The diagram below illustrates how where you live affects car insurance rates.
The ranges above highlight why it is important to compare rates quotes based on a specific location and their own personal driving habits, 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 Information
The chart below breaks down estimated 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 $1,650 every year
- The estimated rate for the average middle-age driver with $500 deductibles is $1,892
- Using low $100 deductibles costs an additional $464 annually
- Drivers who are prone to accidents and violations could pay upwards of $4,094 or more
- The price with full coverage for a 16-year-old driver may cost $7,184
Insurance prices for a Subaru Solterra are also quite variable based on the trim level and model year, your driving characteristics, and policy deductibles and limits.
Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,700 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay upwards of $7,100 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying at a minimum $2,200 to $3,100 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce prices by up to $710 annually, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $538 more each year. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Subaru Solterra insurance prices. A middle-age driver might find prices as low as $1,450 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,700 on average in Michigan, New York, and Louisiana.
| 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% |
Since prices can be so different, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate prices, and prices may be quite different between companies.
| 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 Cheaper Subaru Solterra Insurance
Getting lower rates on insurance for a Subaru Solterra consists of not taking risks behind the wheel, having good credit, being claim-free, and insuring your home and auto with the same company. Take the time to comparison shop once a year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following is a condensed summary of the data that was touched on in the above illustrations.
- You may be able to save as much as $220 per year simply by quoting early and online
- Insureds who require higher liability limits will pay an extra $660 per year to raise from a low limit to higher 250/500 limits
- Teens pay higher prices, possibly costing $599 a month if they have full coverage
- Drivers considered higher risk with multiple at-fault accidents pay on average $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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