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 insurance rates for a Subaru Solterra are $1,892 a year for full coverage insurance. Comprehensive insurance costs approximately $370, collision costs $686, and liability insurance costs $598. Liability-only insurance costs as little as $688 a year, with high-risk driver insurance costing $4,094 or more. Teen drivers pay the highest rates at $7,184 a year or more.
Average premium for full coverage: $1,892
Price estimates by individual coverage:
Prices include $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and for all Solterra models.
Price Range from Low to High
For the normal driver, Subaru Solterra insurance prices go from as low as $688 for basic liability insurance to the much higher price of $4,094 for high-risk insurance.
Geographic Price Range
Your location has a significant impact on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than larger metro areas.
The example below illustrates how geographic area affects auto insurance prices.
The ranges above illustrate why everyone should compare rates using their specific location and risk profile, rather than relying on 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.
Rate Comparisons
The chart below illustrates estimated Subaru Solterra insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $1,099
- Drivers who choose higher $1,000 deductibles will pay $242 each year
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,892
- Choosing pricier low deductibles for comprehensive and collision insurance will cost an extra $464 a year
- High risk drivers with multiple violations and an at-fault accident could pay around $4,094 or more
- The price for full coverage for a teen driver for full coverage can cost $7,184 a year
Car insurance prices for a Subaru Solterra are also quite variable based on your driving record, the model year and trim level, and physical damage deductibles and liability limits.
A more mature driver with no driving violations and high deductibles could pay as little as $1,700 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged in the ballpark 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 $1,230 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,550 on average in Florida, 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% |
Choosing high deductibles could save up to $710 each year, whereas buying more liability protection will push prices upward. Switching from a 50/100 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
If you have some driving violations or tend to cause accidents, you are probably paying anywhere from $2,200 to $3,100 extra each year, depending on your age. Subaru Solterra insurance for high-risk drivers can cost anywhere from 43% to 130% more than average. View High Risk Driver Rates
Since prices can be so different, the only way to figure out who has the best car insurance prices is to regularly compare prices from as many companies as possible. Every company uses a different rate calculation, so rate quotes may be quite different from one company to the next.
| 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 the Right Subaru Solterra Insurance
Getting lower rates on Subaru Solterra insurance not only requires being a low-risk driver, but also having above-average credit, not filing small claims, and avoiding coverage lapses. Invest the time to compare rates every couple of years by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The items below are a quick rundown of the material that was presented in the illustrations above.
- Drivers who purchase more liability coverage will pay about $660 annually to go from a low limit to 250/500 limits
- Teen drivers pay the highest auto insurance prices, as much as $599 a month if full coverage is included
- High-risk drivers with reckless driving or DUI convictions may pay on average $2,200 more per year to insure their Solterra
- Increasing physical damage deductibles can save around $700 each year
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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