Subaru Solterra Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance rates for a Subaru Solterra are $1,918 a year for full coverage. Comprehensive insurance costs around $404, collision insurance costs $718, and liability coverage costs $558. Buying just liability costs as little as $656 a year, and insurance for high-risk drivers costs $4,138 or more. 16-year-old drivers cost the most to insure at up to $7,182 a year.
Average premium for full coverage: $1,918
Policy rates for type of insurance:
Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all states and for all Solterra models.
Price Range Variability
For a 40-year-old driver, Subaru Solterra insurance rates range from as low as $656 for just liability insurance to the much higher price of $4,138 for a high-risk driver policy.
Urban vs. Rural Price Range
Your location has a large influence on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than congested cities. The example below illustrates how your location can change auto insurance rates.
The examples above show why everyone should compare rates for a specific zip code and risk profile, rather than 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.
More Rate Details
The chart below shows average Subaru Solterra insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $1,116
- Drivers who choose higher $1,000 deductibles will pay about $256 a year
- The average rate for a good driver age 40 using $500 deductibles is $1,918
- Buying pricier low deductibles for comprehensive and collision insurance will cost an extra $496 each year
- High-risk insureds with multiple tickets or accidents could pay at least $4,138
- Policy cost for full coverage for a teenage driver for full coverage can be $7,182 a year
Insurance rates for a Subaru Solterra also range considerably based on your risk profile, the trim level of your Solterra, and deductibles and policy limits.
A more mature driver with a clean driving record and high deductibles may only pay around $1,800 per year on average, or $150 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay as much as $7,100 a year. View Rates by Age
Your home state makes a big difference in Subaru Solterra insurance rates. A 40-year-old driver could pay as low as $1,270 a year in states like Idaho, Maine, and Iowa, or at least $2,740 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,734 | -$184 | -9.6% |
| Alaska | $1,470 | -$448 | -23.4% |
| Arizona | $1,592 | -$326 | -17.0% |
| Arkansas | $1,918 | -$0 | 0.0% |
| California | $2,188 | $270 | 14.1% |
| Colorado | $1,834 | -$84 | -4.4% |
| Connecticut | $1,970 | $52 | 2.7% |
| Delaware | $2,170 | $252 | 13.1% |
| Florida | $2,398 | $480 | 25.0% |
| Georgia | $1,772 | -$146 | -7.6% |
| Hawaii | $1,378 | -$540 | -28.2% |
| Idaho | $1,300 | -$618 | -32.2% |
| Illinois | $1,430 | -$488 | -25.4% |
| Indiana | $1,448 | -$470 | -24.5% |
| Iowa | $1,298 | -$620 | -32.3% |
| Kansas | $1,822 | -$96 | -5.0% |
| Kentucky | $2,616 | $698 | 36.4% |
| Louisiana | $2,842 | $924 | 48.2% |
| Maine | $1,186 | -$732 | -38.2% |
| Maryland | $1,582 | -$336 | -17.5% |
| Massachusetts | $1,532 | -$386 | -20.1% |
| Michigan | $3,332 | $1,414 | 73.7% |
| Minnesota | $1,608 | -$310 | -16.2% |
| Mississippi | $2,296 | $378 | 19.7% |
| Missouri | $1,704 | -$214 | -11.2% |
| Montana | $2,062 | $144 | 7.5% |
| Nebraska | $1,512 | -$406 | -21.2% |
| Nevada | $2,300 | $382 | 19.9% |
| New Hampshire | $1,380 | -$538 | -28.1% |
| New Jersey | $2,144 | $226 | 11.8% |
| New Mexico | $1,700 | -$218 | -11.4% |
| New York | $2,022 | $104 | 5.4% |
| North Carolina | $1,106 | -$812 | -42.3% |
| North Dakota | $1,570 | -$348 | -18.1% |
| Ohio | $1,324 | -$594 | -31.0% |
| Oklahoma | $1,970 | $52 | 2.7% |
| Oregon | $1,758 | -$160 | -8.3% |
| Pennsylvania | $1,832 | -$86 | -4.5% |
| Rhode Island | $2,558 | $640 | 33.4% |
| South Carolina | $1,738 | -$180 | -9.4% |
| South Dakota | $1,620 | -$298 | -15.5% |
| Tennessee | $1,678 | -$240 | -12.5% |
| Texas | $2,310 | $392 | 20.4% |
| Utah | $1,420 | -$498 | -26.0% |
| Vermont | $1,314 | -$604 | -31.5% |
| Virginia | $1,148 | -$770 | -40.1% |
| Washington | $1,482 | -$436 | -22.7% |
| West Virginia | $1,758 | -$160 | -8.3% |
| Wisconsin | $1,330 | -$588 | -30.7% |
| Wyoming | $1,710 | -$208 | -10.8% |
Opting for high physical damage deductibles could save up to $760 a year, whereas buying more liability protection will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $502 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 could be paying at least $2,200 to $3,100 extra every year, depending on your age. Subaru Solterra insurance for high-risk drivers can cost around 43% to 128% more than the average rate. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Subaru Solterra | $404 | $718 | $558 | $1,918 |
| 2023 Subaru Solterra | $384 | $690 | $584 | $1,896 |
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 Affordable Subaru Solterra Insurance
Finding cheaper rates on auto insurance not only requires being a good driver, but also maintaining good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Invest the time to shop around every time your policy renews by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.
The following list is a brief review of the information illustrated above.
- Drivers can save up to $230 per year just by quoting online well ahead of the renewal date
- Drivers age 16 to 20 pay higher rates, costing up to $599 each month for full coverage
- Increasing comprehensive and collision deductibles can save around $750 each year
- Drivers with DUI or reckless driving convictions may be required to pay an average of $2,220 more every year than a safer driver
- Consumers who may need an increased level of liability coverage will pay around $610 each year to go from a 30/60 limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $7,182 |
| 20 | $4,424 |
| 30 | $2,000 |
| 40 | $1,918 |
| 50 | $1,752 |
| 60 | $1,720 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,414 |
| $250 | $2,184 |
| $500 | $1,918 |
| $1,000 | $1,662 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,918 |
| 50/100 | $2,030 |
| 100/300 | $2,169 |
| 250/500 | $2,532 |
| 100 CSL | $2,085 |
| 300 CSL | $2,392 |
| 500 CSL | $2,616 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $10,226 |
| 20 | $7,028 |
| 30 | $4,226 |
| 40 | $4,138 |
| 50 | $3,948 |
| 60 | $3,912 |
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 | $101 |
| Multi-vehicle | $99 |
| Homeowner | $28 |
| 5-yr Accident Free | $139 |
| 5-yr Claim Free | $122 |
| Paid in Full/EFT | $86 |
| Advance Quote | $93 |
| Online Quote | $134 |
| Total Discounts | $802 |
Discounts are estimated and may not be available from every company or in every state.
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