Subaru Solterra Insurance Rates

U.S. average insurance rates for a Subaru Solterra are $1,892 a year with full coverage. Comprehensive costs on average $370 a year, collision insurance costs $686, and liability coverage costs $598. Buying just liability costs as little as $688 a year, and insurance for high-risk drivers costs around $4,094. Teenage drivers pay the highest rates at up to $7,184 a year.

Average premium for full coverage: $1,892

Price estimates by individual coverage:

Includes $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and Solterra trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on auto insurance rates. Rural areas have lower incidents of collision claims than densely populated cities. The diagram below illustrates how location impacts car insurance rates.

The ranges above demonstrate why it is important to compare rates based on a specific location, rather than using average rates.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below details average Subaru Solterra insurance rates for different risk profiles and scenarios.

• The best discount rate is $1,099
• Drivers who choose higher $1,000 deductibles will pay around $1,650 annually
• The estimated price for the average middle-age driver with $500 deductibles is $1,892
• Using low $100 deductibles for comprehensive and collision insurance bumps up the cost to $2,356
• High-risk insureds who are prone to accidents and violations could pay upwards of $4,094
• The price that insures a teenage driver may cost $7,184 a year

View Chart as Image

Insurance prices for a Subaru Solterra are also quite variable based on the trim level of your Solterra, your age and driving habits, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you may be forking out at a minimum $2,200 to $3,100 additional each year, depending on your age. A high-risk auto insurance policy can cost around 43% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,700 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $7,100 a year. View Rates by Age

The state you live in makes a big difference in Subaru Solterra insurance rates. A 40-year-old driver could pay 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.

View Chart as Image

Using high physical damage deductibles could save up to $710 a year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $538 more each year. View Rates by Deductible or Liability Limit

How to Find the Cheapest Subaru Solterra Insurance

Getting lower rates on auto insurance not only requires being safe and accident-free, but also having a good credit score, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Compare prices at every policy renewal by getting rate quotes from direct companies, and also from several local insurance agents.

Below you'll find a recap of the data touched on above.

• Consumers who require more liability protection will pay an extra $660 every year to go from a low limit to the 250/500 level
• You may be able to save as much as $220 per year just by quoting early and online
• Increasing physical damage deductibles can save approximately $700 each year
• Youthful drivers pay higher prices, costing up to $599 a month if comprehensive and collision insurance is included