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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Estimated insurance rates for a Subaru Solterra are $1,892 a year for full coverage. Comprehensive insurance costs approximately $370 each year, collision costs $686, and liability costs around $598. Liability-only insurance costs as low as $688 a year, with high-risk driver insurance costing $4,094 or more. Teenage drivers pay the most at $7,184 a year or more.
Average premium for full coverage: $1,892
Premium estimates by type of coverage:
Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all states and Solterra models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Subaru Solterra go from the low end price of $688 for just liability coverage to a high rate of $4,094 for a high-risk driver policy.
Insurance Price Range by Location
Where you live can make a big difference on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than densely populated cities.
The graphic below illustrates the difference location can make on auto insurance prices.
These rate differences show why all drivers should compare prices using their specific location, 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 shows estimated Subaru Solterra insurance rates for additional coverage and risk scenarios.
- The best discount rate is $1,099
- Using higher $1,000 deductibles will save $242 a year
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,892
- Using low deductibles for physical damage coverage will cost an additional $464 annually
- High-risk insureds who are prone to accidents and violations could pay around $4,094 or more
- An auto insurance policy that insures a 16-year-old driver can cost $7,184 or more
Insurance prices for a Subaru Solterra also have a wide range based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you could be paying anywhere from $2,200 to $3,100 additional annually, depending on your age. Insurance for high-risk drivers can be from 43% to 130% more than a normal policy. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,700 a year, or $142 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $7,100 a year. View Rates by Age
Where you choose to live has a huge impact on Subaru Solterra insurance prices. A driver around age 40 might see prices as low as $1,250 a year in states like Iowa, Maine, and Idaho, or be forced to pay 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% |
Using high physical damage deductibles could cut prices by as much as $710 annually, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $538 more each year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to know who has the cheapest car insurance prices is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate prices, and prices will be substantially 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 Find Low Cost Subaru Solterra Insurance
Finding better rates on insurance for a Subaru Solterra requires being safe and accident-free, having a good credit score, not filing small claims, and qualifying for all possible discounts. Compare prices every time your policy renews by obtaining price quotes from direct carriers, and also from insurance agencies where you live.
Below you'll find a review of the information touched on in this article.
- Drivers can save around $220 per year simply by quoting online in advance
- Youthful drivers are the costliest to insure, as much as $599 per month if comprehensive and collision insurance is included
- Increasing policy deductibles can save approximately $700 each year
- Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $2,200 more per year than a low-risk driver
- Insureds who purchase more liability protection will pay an extra $660 each year to increase from 30/60 bodily injury limits to the 250/500 level
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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