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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U.S. average auto insurance rates for a Subaru Solterra are $1,892 annually including full coverage. Comprehensive insurance costs an estimated $370 a year, collision insurance costs $686, and liability coverage is estimated at $598. Liability-only insurance costs approximately $688 a year, and high-risk driver insurance costs $4,094 or more. Teen drivers pay the highest rates at up to $7,184 a year.
Average premium for full coverage: $1,892
Price estimates broken down by individual coverage:
Full coverage includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, 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 range from as cheap as $688 for just liability coverage to a high of $4,094 for a high-risk driver policy.
Geographic Price Range
Living in a larger city has a large influence on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than larger metro areas. The diagram below illustrates how rural and urban location affects insurance prices.
The ranges above highlight why it is important to get quotes for a targeted area and their own personal driving habits, rather than using 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.
Detailed Rate Analysis
The chart below breaks down average Subaru Solterra insurance rates for other coverage scenarios.
- The lowest rate with discounts is $1,099
- Choosing higher $1,000 deductibles can save approximately $1,650 every year
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,892
- Choosing low $100 deductibles for comp and collision coverage costs an additional $464 each year
- Drivers with multiple violations and an at-fault accident could pay up to $4,094
- The price with full coverage for a teenage driver can cost as much as $7,184 each year
Car insurance prices for a Subaru Solterra are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.
Older drivers with no driving violations and high physical damage deductibles may only pay around $1,700 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged at least $7,100 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying $2,200 to $3,100 extra each year, depending on your age. A high-risk auto insurance policy ranges around 43% to 130% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $710 a year, while buying higher liability limits will increase premiums. 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 plays a big part in determining prices for Subaru Solterra insurance rates. A good driver about age 40 could pay as low as $1,450 a year in states like Vermont, New Hampshire, and Missouri, or 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% |
| 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 More Affordable Subaru Solterra Insurance
Getting lower rates on auto insurance takes having a decent driving record, having a good credit score, being claim-free, and possibly higher deductibles. Set aside time to shop around every time your policy renews by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The following items are a summary of the information raised in the charts and tables above.
- You may be able to save approximately $220 per year just by quoting early and online
- 16 to 18-year-old drivers have the highest car insurance prices, possibly costing $599 a month if comprehensive and collision insurance is included
- Increasing physical damage deductibles could save up to $700 each year
- Drivers who have multiple accidents or major violations could be forced to pay on average $2,200 more annually than a driver with a clean driving record
- Consumers who want additional liability coverage will pay about $660 per year to raise limits from a low limit to higher 250/500 limits
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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