Subaru Solterra Insurance Rates

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UPDATED: Mar 28, 2024

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U.S. average insurance rates for a Subaru Solterra are $1,896 a year for full coverage insurance. Comprehensive insurance costs on average $384, collision costs $690, and liability costs $584. Liability-only insurance costs as little as $678 a year, with high-risk driver insurance costing $4,102 or more. 16-year-old drivers pay the highest rates at $7,168 a year or more.

Average premium for full coverage: $1,896

Price estimates by individual coverage:

Comprehensive $384
Collision $690
Liability $584

Rates are based on $500 deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for different Solterra trim levels.

Price Range from Low to High

Using a 40-year-old driver as an example, Subaru Solterra insurance prices go from the low end price of $678 for a discount liability-only rate to a much higher rate of $4,102 for a driver who has had serious violations or accidents.

Liability Only $678
Full Coverage $1,896
High Risk $4,102

Geographic Price Range

Your location can have significant affects on insurance rates. Rural areas have lower incidents of physical damage claims than congested cities.

The price range example below illustrates how rural and urban location affects car insurance rates.

Rural Areas $1,422
Small Cities $1,991
Large Cities $2,560

The ranges above illustrate why anyone shopping for car insurance should compare rates based on a specific location, 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.

Rates by State, City, and Model

The chart below illustrates estimated Subaru Solterra insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $1,104
  • Drivers who choose higher $1,000 deductibles will pay around $244 each year
  • The estimated price for the average middle-age driver with $500 deductibles is $1,896
  • Buying more expensive low deductibles for comprehensive and collision insurance will cost an additional $476 every year
  • Higher-risk drivers with multiple tickets or accidents could pay upwards of $4,102 or more
  • The price that insures a teen driver with full coverage may cost $7,168 a year

View Chart as Image

Subaru Solterra insurance cost comparison chart
Column chart showing full coverage Subaru Solterra insurance prices range from $1,104 to $7,168

Car insurance prices for a Subaru Solterra are also quite variable based on the model year and trim level, your age and driving record, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are probably paying at a minimum $2,200 to $3,100 extra each year, depending on your age. High-risk driver insurance can cost as much as 43% to 129% more than the average rate. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,800 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged upwards of $7,100 a year. View Rates by Age

The state you live in makes a big difference in Subaru Solterra insurance prices. A 40-year-old driver could pay as low as $1,240 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,560 on average in Michigan, New York, and Florida.

Subaru Solterra Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,716 -$180 -9.5%
Alaska $1,456 -$440 -23.2%
Arizona $1,576 -$320 -16.9%
Arkansas $1,896 -$0 0.0%
California $2,164 $268 14.1%
Colorado $1,814 -$82 -4.3%
Connecticut $1,950 $54 2.8%
Delaware $2,150 $254 13.4%
Florida $2,374 $478 25.2%
Georgia $1,754 -$142 -7.5%
Hawaii $1,362 -$534 -28.2%
Idaho $1,286 -$610 -32.2%
Illinois $1,414 -$482 -25.4%
Indiana $1,430 -$466 -24.6%
Iowa $1,282 -$614 -32.4%
Kansas $1,804 -$92 -4.9%
Kentucky $2,590 $694 36.6%
Louisiana $2,812 $916 48.3%
Maine $1,172 -$724 -38.2%
Maryland $1,566 -$330 -17.4%
Massachusetts $1,518 -$378 -19.9%
Michigan $3,296 $1,400 73.8%
Minnesota $1,590 -$306 -16.1%
Mississippi $2,274 $378 19.9%
Missouri $1,688 -$208 -11.0%
Montana $2,040 $144 7.6%
Nebraska $1,496 -$400 -21.1%
Nevada $2,276 $380 20.0%
New Hampshire $1,368 -$528 -27.8%
New Jersey $2,122 $226 11.9%
New Mexico $1,682 -$214 -11.3%
New York $2,002 $106 5.6%
North Carolina $1,094 -$802 -42.3%
North Dakota $1,554 -$342 -18.0%
Ohio $1,310 -$586 -30.9%
Oklahoma $1,948 $52 2.7%
Oregon $1,738 -$158 -8.3%
Pennsylvania $1,812 -$84 -4.4%
Rhode Island $2,534 $638 33.6%
South Carolina $1,720 -$176 -9.3%
South Dakota $1,602 -$294 -15.5%
Tennessee $1,660 -$236 -12.4%
Texas $2,286 $390 20.6%
Utah $1,404 -$492 -25.9%
Vermont $1,300 -$596 -31.4%
Virginia $1,136 -$760 -40.1%
Washington $1,468 -$428 -22.6%
West Virginia $1,742 -$154 -8.1%
Wisconsin $1,314 -$582 -30.7%
Wyoming $1,690 -$206 -10.9%

View Chart as Image

Subaru Solterra insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $720 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $525 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out exactly what you will pay is to compare prices and see which company has the best price. Every company utilizes a different rate formula, so rate quotes may be quite different.

Subaru Solterra Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Subaru Solterra $384 $690 $584 $1,896
2023 Subaru Solterra $370 $686 $598 $1,892

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 Find the Best Cheap Subaru Solterra Insurance

Getting lower rates on car insurance not only requires not taking risks behind the wheel, but also having a positive credit history, not filing small claims, and maximizing policy discounts. Comparison shop every other policy renewal by obtaining price quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following is a quick review of the ideas that were raised in the charts and tables above.

  • Teens are expensive to insure, as much as $597 a month if full coverage is purchased
  • Higher risk drivers with a DUI or reckless driving violation may pay on average $2,210 more each year for Solterra insurance
  • Increasing physical damage deductibles can save approximately $725 each year
  • It is possible to save as much as $230 per year simply by shopping early and online

Rates by Driver Age

Subaru Solterra Insurance Rates by Driver Age
Driver Age Premium
16 $7,168
20 $4,384
30 $1,974
40 $1,896
50 $1,736
60 $1,704

Full coverage, $500 deductibles

Rates by Deductible

Subaru Solterra Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,372
$250 $2,152
$500 $1,896
$1,000 $1,652

Full coverage, driver age 40

Rates by Liability Limit

Subaru Solterra Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,896
50/100 $2,013
100/300 $2,159
250/500 $2,538
100 CSL $2,071
300 CSL $2,392
500 CSL $2,626

Full coverage, driver age 40

Rates for High Risk Drivers

Subaru Solterra Insurance Rates for High Risk Drivers
Age Premium
16 $10,202
20 $6,970
30 $4,182
40 $4,102
50 $3,914
60 $3,878

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 $262

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $99
Multi-vehicle $99
Homeowner $28
5-yr Accident Free $136
5-yr Claim Free $121
Paid in Full/EFT $84
Advance Quote $92
Online Quote $133
Total Discounts $792
Rate after discounts $1,104

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

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