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Insurance for Subaru Vehicles

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: May 1, 2020

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The table below lists average insurance rates for some of the more popular Subaru vehicles. Some additional models are shown at the bottom of the page

Insurance Rates for Subaru Vehicles
Vehicle Model Annual Premium Monthly Premium
Subaru BRZ $1,376 $115
Subaru Crosstrek $1,320 $110
Subaru Forester $1,346 $112
Subaru Impreza $1,428 $119
Subaru Legacy $1,388 $116
Subaru Outback $1,378 $115
Subaru Tribeca $1,440 $120
Subaru WRX $1,394 $116
Get Rates for Your Model Go

Rates assume current model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

View Chart as Image

Average insurance cost for Subaru vehicles
Column chart showing average insurance prices for Subaru vehicles range from $792 to $4,880 for full coverage

The above chart averages rate data from all Subaru vehicles listed in the table above to show how different scenarios can impact the price of car insurance.

Insurance rates for a Subaru are quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.

Older drivers with a clean driving record and high deductibles could pay as little as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay at least $4,800 a year.

The state you live in makes a big difference in Subaru insurance rates. A 40-year-old driver could pay as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,820 on average in California, Montana, and Michigan.

Subaru Vehicle Average Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,244 -$132 -9.6%
Alaska $1,056 -$320 -23.3%
Arizona $1,142 -$234 -17.0%
Arkansas $1,376 -$0 0.0%
California $1,570 $194 14.1%
Colorado $1,314 -$62 -4.5%
Connecticut $1,414 $38 2.8%
Delaware $1,556 $180 13.1%
Florida $1,722 $346 25.1%
Georgia $1,272 -$104 -7.6%
Hawaii $990 -$386 -28.1%
Idaho $934 -$442 -32.1%
Illinois $1,026 -$350 -25.4%
Indiana $1,038 -$338 -24.6%
Iowa $928 -$448 -32.6%
Kansas $1,306 -$70 -5.1%
Kentucky $1,878 $502 36.5%
Louisiana $2,038 $662 48.1%
Maine $852 -$524 -38.1%
Maryland $1,138 -$238 -17.3%
Massachusetts $1,098 -$278 -20.2%
Michigan $2,392 $1,016 73.8%
Minnesota $1,154 -$222 -16.1%
Mississippi $1,650 $274 19.9%
Missouri $1,222 -$154 -11.2%
Montana $1,478 $102 7.4%
Nebraska $1,086 -$290 -21.1%
Nevada $1,650 $274 19.9%
New Hampshire $994 -$382 -27.8%
New Jersey $1,540 $164 11.9%
New Mexico $1,218 -$158 -11.5%
New York $1,450 $74 5.4%
North Carolina $792 -$584 -42.4%
North Dakota $1,128 -$248 -18.0%
Ohio $948 -$428 -31.1%
Oklahoma $1,412 $36 2.6%
Oregon $1,262 -$114 -8.3%
Pennsylvania $1,312 -$64 -4.7%
Rhode Island $1,836 $460 33.4%
South Carolina $1,248 -$128 -9.3%
South Dakota $1,162 -$214 -15.6%
Tennessee $1,204 -$172 -12.5%
Texas $1,660 $284 20.6%
Utah $1,018 -$358 -26.0%
Vermont $940 -$436 -31.7%
Virginia $826 -$550 -40.0%
Washington $1,062 -$314 -22.8%
West Virginia $1,262 -$114 -8.3%
Wisconsin $952 -$424 -30.8%
Wyoming $1,226 -$150 -10.9%

Opting for high physical damage deductibles could save up to $620 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase rates by as much as $285 more per year

View Chart as Image

Subaru insurance by deductible and liability limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,600 to $2,200 extra each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 45% to 130% more than the average rate.

View Chart as Image

Subaru insurance by risk and age

Since rates can be so different, the only way to figure out who has the cheapest rates is to get quotes from as many companies as possible. Every company utilizes a different rate formula, so the rates may be quite different from one company to the next.

Additional Subaru Vehicles


U.S. averages for full coverage Subaru vehicle insurance

Average Policy Cost $1,376
Comprehensive Premium $362
Collision Premium $562
Liability Premium $316

National average data is compiled from all 50 U.S. states for the Subaru models in the rate table on this page. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record.

Rates by Driver Age

Subaru Vehicle Insurance Rates by Driver Age
Driver Age Premium
16 $4,880
20 $3,124
30 $1,450
40 $1,376
50 $1,252
60 $1,228

Full coverage, $500 deductibles

Rates by Deductible

Subaru Vehicle Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,782
$250 $1,596
$500 $1,376
$1,000 $1,168

Full coverage, driver age 40

Rates for High Risk Drivers

Subaru Vehicle Insurance Rates for High Risk Drivers
Age Premium
16 $6,990
20 $4,956
30 $3,026
40 $2,946
50 $2,802
60 $2,774

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 $186

Potential Rate Discounts

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

Discount Savings
Multi-policy $74
Multi-vehicle $68
Homeowner $19
5-yr Accident Free $103
5-yr Claim Free $88
Paid in Full/EFT $65
Advance Quote $68
Online Quote $99
Total Discounts $584
Rate after discounts $792

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

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