Subaru Solterra Insurance Rates

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UPDATED: Mar 28, 2024

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Average auto insurance rates for a Subaru Solterra are $1,892 annually with full coverage. Comprehensive costs approximately $370 a year, collision insurance costs $686, and liability coverage costs $598. A policy with just liability insurance costs as little as $688 a year, and coverage for high-risk drivers costs around $4,094. Teenage drivers receive the highest rates at up to $7,184 a year.

Average premium for full coverage: $1,892

Rate estimates by individual coverage type:

Comprehensive $370
Collision $686
Liability $598

Prices include $500 deductible amounts, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and Solterra trim levels.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range range from as cheap as $688 for a discount liability-only rate to a high of $4,094 for a driver who has had serious violations or accidents.

Liability Only $688
Full Coverage $1,892
High Risk $4,094

Price Range by Location

Your location has a large influence on the price of insurance. Rural locations tend to have fewer collision claims than densely populated cities. The diagram below illustrates the difference location can make on auto insurance prices.

Rural Areas $1,419
Small Cities $1,987
Large Cities $2,554

These examples demonstrate why it is important to compare rates using their specific location and their own personal driving habits, rather than using 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.

Rates by State, City, and Model

The chart below details average Subaru Solterra insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $1,099
  • Drivers who choose higher $1,000 deductibles will pay $1,650 annually
  • The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,892
  • Using low $100 deductibles for comprehensive and collision insurance will cost $2,356
  • High-risk insureds who are prone to accidents and violations could pay around $4,094
  • The cost with full coverage for a teenage driver can cost $7,184 a year

View Chart as Image

Subaru Solterra insurance cost comparison chart
Column chart showing Subaru Solterra insurance rates range from $1,099 to $7,184 for full coverage

Insurance rates for a Subaru Solterra can also vary considerably based on the trim level of your Solterra, your driving record, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,700 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $7,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $2,200 to $3,100 additional per year, depending on your age. A high-risk auto insurance policy can cost around 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $710 a year, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $538 more each year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Subaru Solterra insurance rates. A 40-year-old driver could pay as low as $1,360 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,550 on average in New York, Michigan, and Florida.

Subaru Solterra Insurance Rates by State
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%

View Chart as Image

Subaru Solterra insurance rates by U.S. city
Subaru Solterra Insurance Rates by Model Year
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 the Right Subaru Solterra Insurance

Saving money on auto insurance not only requires having a good driving record, but also having good credit, eliminating unnecessary coverage, and consideration of higher deductibles. Make time to compare rates every other policy renewal by getting quotes from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The next list is a quick rundown of the ideas that were touched on in this article.

  • Drivers age 20 and younger are the costliest to insure, with premiums as much as $599 per month if they have full coverage
  • Drivers with reckless driving or DUI convictions may pay on average $2,200 more per year to buy Subaru Solterra insurance
  • Increasing deductibles could save up to $700 each year
  • You may be able to save around $220 per year just by quoting early and online

Rates by Driver Age

Subaru Solterra Insurance 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

Subaru Solterra Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,356
$250 $2,140
$500 $1,892
$1,000 $1,650

Full coverage, driver age 40

Rates by Liability Limit

Subaru Solterra Insurance Rates with Different Liability Limits
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

Subaru Solterra Insurance 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.

SR-22 Surcharge $263

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
Rate after discounts $1,099

Discounts are estimated and may not be available from every company or in every state.

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