Subaru Insurance Rates

Subaru Insurance Rates

The average cost of car insurance for Subaru models is about $2,274 per year.

This is $803 better than other popular brands. Our car insurance comparison studies assume a 40 year old good driver with full coverage and good credit, that drives around 13,000 miles per year. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts. Many things can contribute to the actual rates. These variables include vehicle, age, location, mileage, credit score, driving record and more. Below you will find a chart that illustrates some of these differences. The tables further down show how these factors impact Subaru insurance rates.

$7,17818$10,540$12,331$3,24125$4,758$5,567$2,52430$3,707$4,336$2,27440$3,339$3,906$2,02955$2,980$3,486Age of DriverAge$0$1k$2k$3k$4k$5k$6k$7k$8k$9k$10k$11k$12kGood Driver and CreditRecent At-Fault AccidentPoor Credit RatingAverage Subaru Annual Insurance Premium
Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

Subaru insurance rates will vary significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure


Insurance Cost per Subaru Model

Model Good Driver Recent Accident Poor Credit
Estimated Subaru Ascent Insurance Rates $2,469 $3,626 $4,242
Estimated Subaru BRZ Insurance Rates $2,608 $3,829 $4,480
Estimated Subaru Crosstrek Insurance Rates $1,933 $2,838 $3,320
Estimated Subaru Forester Insurance Rates $1,999 $2,936 $3,435
Estimated Subaru Impreza Insurance Rates $1,986 $2,917 $3,412
Estimated Subaru Legacy Insurance Rates $2,108 $3,095 $3,621
Estimated Subaru Outback Insurance Rates $1,929 $2,832 $3,313
Estimated Subaru Solterra Insurance Rates $2,758 $4,050 $4,738
Estimated Subaru WRX Insurance Rates $2,675 $3,927 $4,594

The cost to insure a Subaru model will differ significantly by the age of the driver. Younger drivers cost more to insure because they are much more likely to be at fault in an accident. That probability decreases dramatically by the time they turn 25 and so do the premiums. In fact, insurance cost by age continues to decline until after age 60, but the increases after are modest.

Are car insurance rates based on credit score?

Credit plays a big role in premiums in most states. The under 25 crowd is far more likely to have very little credit established. The best way to mitigate this would be to join their family's multi-vehicle policy. Their rates will become more affordable as they age up and maintain a decent driving record. They can also build their credit at the same time. While paying car insurance doesn't improve credit on its own, using a credit card to so monthly can. As long as it's paid in full every billing cycle, of course. This is also an easy way to accumulate points on a rewards credit card as it's an expense required for every driver.

Insurance costs by age vary between brands based on resale values and safety ratings. If you're not set on a Subaru, then see our insurance analysis and rankings for other makes and models here.

Subaru Insurance Rates by Age*

Age Good Driver Recent Accident Poor Credit
17 $7,703 $11,310 $13,231
18 $7,178 $10,540 $12,331
19 $6,344 $9,315 $10,897
20 $5,531 $8,122 $9,502
21 $4,638 $6,811 $7,968
22 $4,518 $6,633 $7,760
23 $3,953 $5,804 $6,790
24 $3,755 $5,514 $6,451
25 $3,241 $4,758 $5,567
30 $2,524 $3,707 $4,336
35 $2,364 $3,472 $4,062
40 $2,274 $3,339 $3,906
45 $2,213 $3,249 $3,801
55 $2,029 $2,980 $3,486
65 $2,117 $3,108 $3,636
75 $2,672 $3,923 $4,590

Subaru auto insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect Subaru models by state.


Average Subaru Insurance Rates by State*

State Good Driver Recent Accident Poor Credit
Georgia $2,635 $3,940 $3,973
Wyoming $1,869 $2,617 $2,786
Wisconsin $2,002 $3,125 $3,565
West Virginia $2,008 $2,876 $3,603
Washington $1,996 $2,709 $3,235
Virginia $1,508 $2,315 $2,269
Vermont $1,601 $2,465 $2,605
Utah $2,079 $2,913 $4,009
Texas $2,444 $3,531 $4,392
Tennessee $2,427 $3,573 $4,758
South Dakota $2,064 $2,974 $3,431
South Carolina $2,300 $3,188 $4,400
Rhode Island $3,387 $4,969 $5,595
Pennsylvania $2,029 $2,979 $3,485
Oregon $2,409 $3,232 $3,860
Oklahoma $2,647 $3,790 $4,267
Ohio $1,657 $2,556 $2,621
North Dakota $1,859 $2,825 $3,341
North Carolina $1,358 $2,334 $1,664
New York $2,191 $2,759 $4,606
New Mexico $2,366 $3,519 $3,653
New Jersey $2,317 $3,634 $4,756
New Hampshire $2,102 $3,325 $4,203
Nevada $3,023 $4,483 $4,736
Nebraska $1,833 $2,710 $2,944
Montana $2,168 $3,025 $3,521
Missouri $2,132 $3,048 $4,005
Mississippi $2,263 $3,228 $3,249
Minnesota $1,875 $2,499 $3,520
Michigan $4,554 $6,939 $10,946
Massachusetts $1,887 $3,292 $1,887
Maryland $2,353 $3,425 $3,804
Maine $1,454 $2,010 $2,967
Louisiana $3,845 $5,813 $6,303
Kentucky $2,996 $4,397 $5,193
Kansas $2,072 $3,015 $3,526
Iowa $1,558 $2,136 $2,512
Indiana $1,966 $3,006 $3,373
Illinois $1,914 $2,893 $3,299
Idaho $1,829 $2,424 $2,947
Hawaii $1,053 $1,429 $1,053
Florida $3,232 $4,471 $5,827
Delaware $2,714 $3,618 $4,646
Connecticut $3,279 $5,085 $6,455
Colorado $2,566 $3,592 $4,557
California $2,750 $4,863 $2,750
Arkansas $2,470 $3,881 $4,273
Arizona $2,253 $3,257 $4,798
Alaska $1,993 $2,762 $2,685
Alabama $2,410 $3,499 $4,454

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