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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Estimated insurance prices for a Subaru Solterra are $1,892 every 12 months for full coverage. Comprehensive insurance costs around $370 a year, collision costs $686, and liability costs $598. A policy with only liability insurance costs as little as $688 a year, with a high-risk policy costing $4,094 or more. Teen drivers pay the most at $7,184 a year or more.
Average premium for full coverage: $1,892
Premium estimates for type of coverage:
Includes $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all states and Solterra trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Subaru Solterra go from the cheapest price of $688 for just liability insurance to a high of $4,094 for a high-risk insurance policy.
Insurance Price Range by Location
Your location can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have more infrequent accident claims than larger metro areas.
The diagram below illustrates how where you live affects auto insurance rates.
These rate differences show why it is important to compare rates for a specific zip code and their own driving history, instead of 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.
More Rate Details
The chart below shows estimated Subaru Solterra insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $1,099
- Drivers who choose higher $1,000 deductibles will pay about $1,650 a year
- The average price for a 40-year-old good driver using $500 deductibles is $1,892
- Choosing low $100 deductibles for comprehensive and collision insurance costs an extra $464 every year
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $4,094 or more
- An auto insurance policy to insure a teen driver can be $7,184 a year
Car insurance prices for a Subaru Solterra also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level and model year.
Choosing high deductibles could save up to $710 every year, while buying higher liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will cost up to $538 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may pay as little as $1,700 per year on average, or $142 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged as much as $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 at least $2,200 to $3,100 extra annually, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 130% more than average. View High Risk Driver Rates
Where you choose to live makes a big difference in Subaru Solterra insurance prices. A 40-year-old driver could pay as low as $1,250 a year in states like Idaho, Maine, and Iowa, or as much as $2,700 on average in Michigan, Louisiana, and New York.
| 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% |
With such a large range in prices, the only way to know your exact price is to get quotes and see which company has the best price. Every company uses a different rate calculation, so rate quotes will be substantially different.
| 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 Cheapest Subaru Solterra Insurance
Finding better rates on car insurance not only requires being safe and accident-free, but also maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Take the time to comparison shop at least every other year by getting quotes from direct carriers, and also from local exclusive and independent agents.
Below you'll find a recap of the car insurance concepts touched on in the above illustrations.
- Higher risk drivers that have major violations or accidents may pay on average $2,200 more every year than a low-risk driver
- Drivers can save up to $220 per year simply by quoting early and online
- Increasing policy deductibles could save as much as $700 each year
- Policyholders who may need more liability protection will pay about $660 each year to go from 30/60 bodily injury limits to a 250/500 level
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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