Subaru Solterra Insurance Rates

The average insurance rates for a Subaru Solterra are $1,892 a year including full coverage. Comprehensive costs approximately $370 a year, collision insurance costs $686, and liability insurance costs around $598. Buying just liability costs as low as $688 a year, and insurance for high-risk drivers costs around $4,094. Teenage drivers cost the most to insure at up to $7,184 a year.

Average premium for full coverage: $1,892

Policy rates by type of insurance:

Rate estimates include $500 deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Solterra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than densely populated cities. The diagram below illustrates how location helps determine auto insurance prices.

The examples above highlight why it is important to compare prices using their specific location and risk profile, rather than relying on average rates.

Use the form below to get customized rates for your location.

Rate Comparisons

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

• The best discount rate is $1,099
• Using higher $1,000 deductibles will save $1,650 every year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,892
• Using low $100 deductibles for physical damage coverage will increase the cost to $2,356
• Drivers who are prone to accidents and violations could pay around $4,094
• Policy cost for full coverage for a teen driver can cost $7,184 or more

View Chart as Image

Insurance rates for a Subaru Solterra also range considerably based on your risk profile, the model of your Solterra, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles could pay as little as $1,700 a year, or $142 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay in the ballpark of $7,100 a year. View Rates by Age

Your home state has a huge impact on Subaru Solterra insurance rates. A driver around age 40 might see rates as low as $1,450 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,700 on average in Louisiana, New York, and Michigan.

View Chart as Image

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

If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $2,200 to $3,100 extra every year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

How to Find the Best Subaru Solterra Insurance

Finding cheaper rates on Subaru Solterra insurance requires not taking risks behind the wheel, maintaining good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Invest time comparing rates every year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following is a brief recap of the coverage data covered in the charts and tables above.

• You may be able to save around $220 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $700 each year
• Teens are expensive to insure, with premiums being up to $599 each month for full coverage
• High-risk drivers who tend to receive serious violations could be forced to pay on average $2,200 more per year for Solterra insurance