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 costs approximately $370 a 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. 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:
These estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Solterra trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Subaru Solterra insurance prices go from as cheap as $688 for just liability coverage to a high of $4,094 for a policy for a high-risk driver.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance prices. Rural locations have fewer comprehensive and collision claims than densely populated cities.
The diagram below illustrates how rural and urban location affects auto insurance prices.
The ranges above highlight why it is important to compare rates quotes using their 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.
Detailed Rate Analysis
The chart below breaks down estimated Subaru Solterra insurance rates for additional coverage and risk scenarios.
- The best discount rate is $1,099
- Raising to $1,000 deductibles will save $1,650 every year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,892
- Using low $100 deductibles will cost $2,356
- Drivers who are prone to accidents and violations could pay around $4,094 or more
- The price with full coverage for a 16-year-old driver can cost $7,184
Car insurance prices for a Subaru Solterra are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.
Older drivers with no driving violations 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 will be charged in the ballpark 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 anywhere from $2,200 to $3,100 extra 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 push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $538 extra every 12 months. 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 Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,700 on average in Louisiana, New York, 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% |
Since prices can be so different, the best way to figure out who has the best auto insurance prices is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate prices, so rate quotes 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 Cheap Subaru Solterra Insurance
Getting lower rates on insurance for a Subaru Solterra consists of avoiding accidents and claims, having a good credit score, being claim-free, and avoiding coverage lapses. Set aside time to shop around every year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
The points below are a brief summary of the coverage data raised in the charts and tables above.
- You may be able to save around $220 per year simply by quoting early and online
- Increasing physical damage deductibles could save up to $700 each year
- Drivers under the age of 20 pay the highest auto insurance prices, possibly costing $599 a month if comprehensive and collision insurance is included
- Drivers considered higher risk that tend to have accidents or serious violations may have to pay on average $2,200 more per year to insure a Subaru Solterra
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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