Subaru Insurance Rates

The average cost of car insurance for a Subaru model is about $1,637 per year.

This is $588 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.

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
Subaru Ascent Insurance Cost $1,834 $2,693 $3,151
Subaru BRZ Insurance Cost $1,937 $2,844 $3,327
Subaru Crosstrek Insurance Cost $1,421 $2,086 $2,441
Subaru Forester Insurance Cost $1,471 $2,160 $2,526
Subaru Impreza Insurance Cost $1,461 $2,145 $2,509
Subaru Legacy Insurance Cost $1,565 $2,298 $2,689
Subaru Outback Insurance Cost $1,418 $2,082 $2,436
Subaru WRX Insurance Cost $1,986 $2,917 $3,412

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.

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 Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $5,544 $8,140 $9,523
18 $5,166 $7,586 $8,875
19 $4,566 $6,704 $7,843
20 $3,981 $5,846 $6,839
21 $3,338 $4,902 $5,735
22 $3,252 $4,774 $5,585
23 $2,845 $4,177 $4,887
24 $2,703 $3,969 $4,643
25 $2,332 $3,425 $4,006
30 $1,817 $2,668 $3,121
35 $1,702 $2,499 $2,923
40 $1,637 $2,403 $2,811
45 $1,593 $2,338 $2,736
55 $1,461 $2,145 $2,509
65 $1,524 $2,237 $2,617
75 $1,923 $2,824 $3,303

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 by State

State Good Driver Recent Accident Poor Credit
Alabama $1,734 $2,518 $3,206
Alaska $1,434 $1,988 $1,933
Arizona $1,622 $2,344 $3,453
Arkansas $1,778 $2,793 $3,076
California $1,980 $3,500 $1,980
Colorado $1,847 $2,585 $3,280
Connecticut $2,360 $3,660 $4,646
Delaware $1,954 $2,604 $3,344
Florida $2,326 $3,218 $4,194
Georgia $1,896 $2,836 $2,860
Hawaii $758 $1,028 $758
Idaho $1,316 $1,745 $2,121
Illinois $1,378 $2,082 $2,374
Indiana $1,415 $2,164 $2,428
Iowa $1,121 $1,537 $1,808
Kansas $1,491 $2,170 $2,538
Kentucky $2,156 $3,165 $3,738
Louisiana $2,768 $4,184 $4,536
Maine $1,046 $1,447 $2,136
Maryland $1,694 $2,465 $2,738
Massachusetts $1,358 $2,369 $1,358
Michigan $3,278 $4,994 $7,878
Minnesota $1,349 $1,799 $2,533
Mississippi $1,629 $2,323 $2,338
Missouri $1,535 $2,194 $2,882
Montana $1,560 $2,177 $2,534
Nebraska $1,319 $1,950 $2,119
Nevada $2,176 $3,227 $3,408
New Hampshire $1,513 $2,393 $3,025
New Jersey $1,668 $2,616 $3,423
New Mexico $1,703 $2,533 $2,629
New York $1,577 $1,986 $3,315
North Carolina $978 $1,680 $1,198
North Dakota $1,338 $2,033 $2,405
Ohio $1,193 $1,840 $1,886
Oklahoma $1,905 $2,728 $3,071
Oregon $1,734 $2,326 $2,778
Pennsylvania $1,460 $2,144 $2,508
Rhode Island $2,438 $3,576 $4,027
South Carolina $1,655 $2,294 $3,167
South Dakota $1,486 $2,140 $2,470
Tennessee $1,747 $2,572 $3,425
Texas $1,759 $2,542 $3,161
Utah $1,496 $2,097 $2,886
Vermont $1,152 $1,774 $1,875
Virginia $1,085 $1,666 $1,633
Washington $1,437 $1,950 $2,328
West Virginia $1,446 $2,070 $2,594
Wisconsin $1,441 $2,249 $2,566
Wyoming $1,345 $1,883 $2,006