Subaru Insurance Rates

The average cost of car insurance for a Subaru model is about $1,521 per year.

This is $266 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 $1,607 $2,360 $2,761
Subaru BRZ Insurance Cost $1,764 $2,591 $3,031
Subaru Crosstrek Insurance Cost $1,379 $2,025 $2,369
Subaru Forester Insurance Cost $1,428 $2,097 $2,453
Subaru Impreza Insurance Cost $1,418 $2,082 $2,436
Subaru Legacy Insurance Cost $1,453 $2,133 $2,496
Subaru Outback Insurance Cost $1,376 $2,021 $2,364
Subaru WRX Insurance Cost $1,741 $2,556 $2,990

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 $5,151 $7,564 $8,849
18 $4,800 $7,049 $8,246
19 $4,242 $6,229 $7,288
20 $3,699 $5,432 $6,354
21 $3,102 $4,555 $5,329
22 $3,021 $4,436 $5,190
23 $2,644 $3,882 $4,541
24 $2,511 $3,688 $4,314
25 $2,167 $3,182 $3,723
30 $1,688 $2,479 $2,900
35 $1,581 $2,322 $2,716
40 $1,521 $2,233 $2,612
45 $1,480 $2,173 $2,542
55 $1,357 $1,993 $2,331
65 $1,416 $2,079 $2,432
75 $1,787 $2,624 $3,070

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 $1,611 $2,340 $2,979
Alaska $1,333 $1,848 $1,796
Arizona $1,506 $2,178 $3,209
Arkansas $1,652 $2,596 $2,858
California $1,839 $3,253 $1,839
Colorado $1,716 $2,402 $3,048
Connecticut $2,193 $3,401 $4,317
Delaware $1,816 $2,419 $3,108
Florida $2,162 $2,990 $3,897
Georgia $1,762 $2,635 $2,657
Hawaii $704 $956 $704
Idaho $1,223 $1,621 $1,971
Illinois $1,280 $1,935 $2,206
Indiana $1,315 $2,011 $2,256
Iowa $1,042 $1,428 $1,680
Kansas $1,386 $2,016 $2,358
Kentucky $2,003 $2,941 $3,473
Louisiana $2,572 $3,887 $4,215
Maine $972 $1,344 $1,984
Maryland $1,574 $2,291 $2,544
Massachusetts $1,262 $2,202 $1,262
Michigan $3,046 $4,641 $7,320
Minnesota $1,254 $1,672 $2,354
Mississippi $1,513 $2,159 $2,173
Missouri $1,426 $2,039 $2,678
Montana $1,450 $2,023 $2,354
Nebraska $1,226 $1,812 $1,969
Nevada $2,021 $2,998 $3,167
New Hampshire $1,406 $2,224 $2,811
New Jersey $1,549 $2,430 $3,180
New Mexico $1,582 $2,354 $2,443
New York $1,465 $1,845 $3,080
North Carolina $908 $1,560 $1,113
North Dakota $1,243 $1,889 $2,234
Ohio $1,108 $1,710 $1,753
Oklahoma $1,770 $2,534 $2,854
Oregon $1,611 $2,161 $2,581
Pennsylvania $1,357 $1,992 $2,331
Rhode Island $2,265 $3,323 $3,742
South Carolina $1,538 $2,132 $2,943
South Dakota $1,380 $1,989 $2,295
Tennessee $1,623 $2,390 $3,182
Texas $1,635 $2,362 $2,937
Utah $1,390 $1,948 $2,681
Vermont $1,070 $1,649 $1,742
Virginia $1,008 $1,548 $1,518
Washington $1,335 $1,812 $2,163
West Virginia $1,343 $1,923 $2,410
Wisconsin $1,339 $2,090 $2,384
Wyoming $1,250 $1,750 $1,864