Subaru Insurance Rates

The average cost of car insurance for a Subaru model is about $1,550 per year.

This is $344 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 $1,680 $2,467 $2,886
Subaru BRZ Insurance Cost $1,773 $2,604 $3,046
Subaru Crosstrek Insurance Cost $1,393 $2,046 $2,393
Subaru Forester Insurance Cost $1,442 $2,117 $2,477
Subaru Impreza Insurance Cost $1,432 $2,103 $2,460
Subaru Legacy Insurance Cost $1,468 $2,155 $2,521
Subaru Outback Insurance Cost $1,390 $2,041 $2,388
Subaru WRX Insurance Cost $1,819 $2,671 $3,125

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 $5,249 $7,708 $9,017
18 $4,892 $7,183 $8,403
19 $4,323 $6,348 $7,426
20 $3,769 $5,535 $6,475
21 $3,161 $4,642 $5,430
22 $3,078 $4,520 $5,288
23 $2,694 $3,955 $4,627
24 $2,559 $3,758 $4,396
25 $2,208 $3,243 $3,794
30 $1,720 $2,526 $2,955
35 $1,611 $2,366 $2,768
40 $1,550 $2,276 $2,662
45 $1,508 $2,214 $2,590
55 $1,383 $2,031 $2,376
65 $1,443 $2,118 $2,478
75 $1,821 $2,674 $3,128

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 $1,642 $2,385 $3,036
Alaska $1,358 $1,883 $1,830
Arizona $1,535 $2,220 $3,270
Arkansas $1,683 $2,645 $2,912
California $1,874 $3,314 $1,874
Colorado $1,749 $2,448 $3,106
Connecticut $2,234 $3,465 $4,399
Delaware $1,850 $2,465 $3,166
Florida $2,203 $3,047 $3,971
Georgia $1,796 $2,685 $2,707
Hawaii $717 $974 $717
Idaho $1,246 $1,652 $2,008
Illinois $1,304 $1,972 $2,248
Indiana $1,340 $2,049 $2,299
Iowa $1,062 $1,456 $1,712
Kansas $1,412 $2,054 $2,403
Kentucky $2,041 $2,996 $3,539
Louisiana $2,621 $3,961 $4,295
Maine $991 $1,370 $2,022
Maryland $1,604 $2,334 $2,592
Massachusetts $1,286 $2,243 $1,286
Michigan $3,103 $4,729 $7,459
Minnesota $1,278 $1,703 $2,398
Mississippi $1,542 $2,199 $2,214
Missouri $1,453 $2,077 $2,729
Montana $1,477 $2,061 $2,399
Nebraska $1,249 $1,847 $2,006
Nevada $2,060 $3,056 $3,228
New Hampshire $1,433 $2,266 $2,864
New Jersey $1,579 $2,477 $3,241
New Mexico $1,612 $2,398 $2,489
New York $1,493 $1,880 $3,139
North Carolina $926 $1,590 $1,134
North Dakota $1,267 $1,925 $2,277
Ohio $1,130 $1,742 $1,786
Oklahoma $1,804 $2,582 $2,908
Oregon $1,641 $2,202 $2,630
Pennsylvania $1,382 $2,030 $2,375
Rhode Island $2,308 $3,386 $3,813
South Carolina $1,567 $2,172 $2,998
South Dakota $1,406 $2,027 $2,338
Tennessee $1,654 $2,435 $3,243
Texas $1,666 $2,406 $2,993
Utah $1,417 $1,986 $2,732
Vermont $1,091 $1,680 $1,776
Virginia $1,028 $1,578 $1,546
Washington $1,360 $1,846 $2,204
West Virginia $1,369 $1,960 $2,456
Wisconsin $1,364 $2,130 $2,429
Wyoming $1,274 $1,783 $1,899