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...
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UPDATED: Mar 28, 2024
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Estimated insurance prices for a Subaru Solterra are $1,892 every 12 months for full coverage. Comprehensive insurance costs approximately $370 each year, collision insurance costs $686, and liability costs around $598. A liability-only policy costs as low as $688 a year, and high-risk insurance costs $4,094 or more. 16-year-old drivers pay the most at up to $7,184 a year.
Average premium for full coverage: $1,892
Premium estimates by type of coverage:
Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all states and Solterra models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Subaru Solterra range from the cheapest price of $688 for just liability coverage to a high rate of $4,094 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Where you live can have significant affects on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than congested cities. The graphic below illustrates how location helps determine auto insurance prices.
These rate differences show why all drivers should compare prices using their specific location and their own driving history, instead of using rate 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.
Detailed Rate Analysis
The chart below shows average Subaru Solterra insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $1,099
- Using higher $1,000 deductibles will save $242 a year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,892
- Buying low deductibles for physical damage coverage costs an extra $464 every year
- Drivers with multiple tickets or accidents could pay around $4,094
- An auto insurance policy to insure a teen driver can cost $7,184 or more
Auto insurance prices for a Subaru Solterra also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model of your Solterra.
Opting for high physical damage deductibles could cut prices by as much as $710 every year, whereas increasing liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will cost up to $538 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may pay as little as $1,700 a year, or $142 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay in the ballpark of $7,100 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying anywhere from $2,200 to $3,100 in extra premium annually, depending on your age. Insurance for high-risk drivers can be as much as 43% to 130% more than the average rate. View High Risk Driver Rates
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 at least $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% |
| 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 Shop for the Best Subaru Solterra Insurance
Finding better rates on car insurance requires avoiding accidents and claims, having a good credit score, not filing small claims, and possibly higher deductibles. Invest time comparing rates at every other renewal by requesting quotes from direct carriers, and also from your local independent and exclusive agents.
The points below are a brief recap of the concepts that were covered in the charts and tables above.
- Higher risk drivers who tend to receive serious violations may pay on average $2,200 more per year to insure a Subaru Solterra
- Drivers under the age of 20 have the highest car insurance prices, as much as $599 per month if comprehensive and collision insurance is included
- Drivers can save around $220 per year just by quoting online in advance
- Increasing policy deductibles could save as much as $700 each year
- Drivers can save around $220 per year just by quoting online in advance
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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