Subaru Car Insurance: How Much Is Subaru Insurance? 2024
The average monthly insurance cost for a Subaru is $180, which adds up to about $2,164 per year.
We’ve saved shoppers an average of $600 per year on their car insurance.
Subaru, founded in 1953, is a Japanese automaker renowned for its all-wheel-drive vehicles, boxer engines, and a strong focus on practicality, safety, and outdoor adventure. The cost of insuring a Subaru varies based on several factors, including your age, driving history, and where you live car insurance Insurance companies use this information to evaluate the risk of covering your Subaru and determine your premium. The average cost to insure a Subaru is $2,164 per year.
How Much Does Subaru Insurance Cost?
The average cost to insure a Subaru is $180 per month or about $2,164 per year. However, your insurance premium can vary depending on factors like your age, location, driving record, and the specific Subaru model you own.
Average Subaru Insurance Cost By Model
A key factor in determining your car insurance rate is the model that you drive. According to our analysis, the average cost of insuring a Subaru, across all models, is $2,164 per year.
The Subaru Outback is the cheapest model to insure, at $1,878 per year. On the other hand, the Subaru WRX is the most expensive, at an average of $2,623 per year.Use the table below to compare insurance rates for Subaru models.
| Subaru Model | Average Yearly Insurance Cost |
| Subaru Ascent | $2,421 |
| Subaru BRZ | $2,556 |
| Subaru Crosstrek | $1,895 |
| Subaru Forester | $1,950 |
| Subaru Impreza | $1,935 |
| Subaru Legacy | $2,053 |
| Subaru Outback | $1,878 |
| Subaru WRX | $2,623 |
Keep in mind that these numbers are averages, and the actual cost may vary based on where you live, your age, your driving record, and the type of coverage you select.
Are Subaru Expensive To Insure?
The national average for car insurance is $156 per month, while insuring a Subaru averages $180 per month across all models, making it notably higher. However, since insurance premiums are often tied to specific models rather than the brand overall, it’s important to review rates tailored to your Subaru’s make and model.
Subaru Ascent Insurance Cost
The average cost of insuring a Subaru Ascent across all model years, is $988 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Subaru Ascent | $1,856 |
| 2023 Subaru Ascent | $1,030 |
| 2022 Subaru Ascent | $662 |
| 2021 Subaru Ascent | $640 |
| 2020 Subaru Ascent | $754 |
Subaru BRZ Insurance Cost
The average cost of insuring a Subaru BRZ across all model years, is $750 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Subaru BRZ | $993 |
| 2023 Subaru BRZ | $642 |
| 2022 Subaru BRZ | $773 |
| 2021 Subaru BRZ | $519 |
| 2020 Subaru BRZ | $825 |
Subaru Crosstrek Insurance Cost
The average cost of insuring a Subaru Crosstrek across all model years, is $751 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Subaru Crosstrek | $987 |
| 2023 Subaru Crosstrek | $633 |
| 2022 Subaru Crosstrek | $780 |
| 2021 Subaru Crosstrek | $527 |
| 2020 Subaru Crosstrek | $829 |
Subaru Forester Insurance Cost
The average cost of insuring a Subaru Forester across all model years, is $703 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Subaru Forester | $954 |
| 2023 Subaru Forester | $779 |
| 2022 Subaru Forester | $674 |
| 2021 Subaru Forester | $584 |
| 2020 Subaru Forester | $527 |
Subaru Impreza Insurance Cost
The average cost of insuring a Subaru Impreza across all model years, is $2,365 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Subaru Impreza | $1,382 |
| 2023 Subaru Impreza | $7,945 |
| 2022 Subaru Impreza | $842 |
| 2021 Subaru Impreza | $826 |
| 2020 Subaru Impreza | $832 |
Subaru Legacy Insurance Cost
The average cost of insuring a Subaru Legacy across all model years, is $1,217 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Subaru Legacy | $2,521 |
| 2023 Subaru Legacy | $1,012 |
| 2022 Subaru Legacy | $1,127 |
| 2021 Subaru Legacy | $737 |
| 2020 Subaru Legacy | $688 |
Subaru Outback Insurance Cost
The average cost of insuring a Subaru Outback across all model years, is $696 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Subaru Outback | $957 |
| 2023 Subaru Outback | $697 |
| 2022 Subaru Outback | $608 |
| 2021 Subaru Outback | $591 |
| 2020 Subaru Outback | $629 |
Subaru WRX Insurance Cost
The average cost of insuring a Subaru WRX across all model years, is $1,252 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2024 Subaru WRX | $1,666 |
| 2023 Subaru WRX | $1,512 |
| 2022 Subaru WRX | $761 |
| 2021 Subaru WRX | $1,021 |
| 2020 Subaru WRX | $1,307 |
Cheapest Car Insurance Companies For Subarus
The cost of your Subaru car insurance policy will depend on the company that you choose. Farmers offers the cheapest rates for insuring an Subaru, at $5,068 per year.
Use the table below to compare cheap full-coverage rates for a Subaru.
| Company | Average Annual Premium |
| Farmers | $5,068 |
| Progressive | $2,429 |
| Allstate | $4,359 |
| American Family | $1,855 |
| Geico | $2,741 |
Average Subaru Car Insurance Rates – By Company
| Insurance Provider | Average Monthly Premium |
| USAA | $100 |
| GEICO | $116 |
| Nationwide | $119 |
| State Farm | $120 |
| Liberty Mutual | $137 |
| Progressive | $139 |
| Allstate | $148 |
Average Subaru Car Insurance Rates – By U.S. State
| State | Average Annual Rate |
| Alabama | $2,306 |
| Alaska | $1,887 |
| Arizona | $2,138 |
| Arkansas | $2,356 |
| California | $2,610 |
| Colorado | $2,445 |
| Connecticut | $3,125 |
| Delaware | $2,572 |
| Florida | $3,067 |
| Hawaii | $1,010 |
| Idaho | $1,735 |
| Illinois | $1,817 |
| Indiana | $1,863 |
| Iowa | $1,490 |
| Kansas | $1,967 |
| Kentucky | $2,858 |
| Louisiana | $3,652 |
| Maine | $1,378 |
| Maryland | $2,249 |
| Massachusetts | $1,802 |
| Michigan | $4,341 |
| Minnesota | $1,790 |
| Mississippi | $2,146 |
| Missouri | $2,038 |
| Montana | $2,069 |
| Nebraska | $1,751 |
| Nevada | $2,881 |
| New Hampshire | $1,992 |
| New Jersey | $2,198 |
| New Mexico | $2,262 |
| New York | $2,091 |
| North Carolina | $1,280 |
| North Dakota | $1,763 |
| Ohio | $1,583 |
| Oklahoma | $2,525 |
| Oregon | $2,284 |
| Pennsylvania | $1,936 |
| Rhode Island | $3,211 |
| South Carolina | $2,178 |
| South Dakota | $1,971 |
| Tennessee | $2,315 |
| Texas | $2,331 |
| Utah | $1,970 |
| Vermont | $1,529 |
| Virginia | $1,423 |
| Washington | $1,889 |
| West Virginia | $1,906 |
| Wisconsin | $1,913 |
| Wyoming | $1,783 |
| Georgia | $2,499 |
How To Save Money On Subaru Car Insurance?
Owning a Subaru involves several costs, with car insurance being one of the largest. However, there are still ways to save on your insurance. Here’s how:
1. Maintain a Clean Driving Record
Insurance companies consider your driving history when setting your premium. By staying accident-free and avoiding traffic tickets, you demonstrate to insurers that you’re a low-risk driver, which can help reduce your insurance costs.
2. Bundle Your Policies
Many insurance companies provide discounts if you bundle multiple policies, such as home and auto insurance. This not only makes managing your insurance easier but also helps you save money on your premiums.
3. Raise Your Deductible
Raising your deductible—the amount you pay yourself before your insurance starts covering costs—can reduce your premium. Just make sure you can afford the higher deductible if you have an accident.
4. Install Safety Features
Subaru vehicles have many built-in safety features, but adding extras like anti-theft devices can help lower your insurance costs even more by reducing the risk of theft and damage.
5. Take Advantage of Discounts
Insurance companies frequently provide discounts for factors such as being a good student, maintaining a clean driving record, or taking a defensive driving course. Check with your insurer to see if you qualify for any of these discounts.
6. Shop Around
Insurance premiums can differ significantly among various providers. It’s essential to compare quotes and select the insurer that gives you the best value for your needs.
7. Consider Usage-Based Insurance
If you don’t drive your Subaru very often, consider usage-based insurance. This type of policy sets your premium based on how much you drive, which could save you money if your Subaru isn’t your primary vehicle.
Our Methodology
In order to calculate average car insurance costs, Insuranceopedia aggregated thousands of quotes from leading auto insurance providers. The sample profile was for a 40-year-old male driver buying full-coverage car insurance with these coverage limits: $100,000 in property damage liability, $100k in bodily injury liability and a $1,000 deductible. However, the figures in this guide may differ from your own individual results.
FAQs
What Is The Most Expensive Subaru Model To Insure?
At $2,623 per year, the Subaru WRX is the most expensive Subaru model for car insurance.
What Is The Cheapest Subaru Model To Insure?
The Subaru Outback is the cheapest model for car insurance, at $1,878 per year.
