Compare Subaru Car Insurance Rates [2023]
Subaru car insurance rates average $136/mo, but quotes vary by driving record, insurer, and model. Subaru Crosstrek insurance costs $132 a month, while a Subaru Impreza is $143. Consider your coverage options and compare quotes online to find affordable Subaru car insurance.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Most Subaru owners pay about $136 a month for full coverage car insurance, 14% higher than the national average
- While it’s easy to find affordable Subaru car insurance, some Subaru models are cheaper to insure than others
- You can always get lower insurance costs by comparing rates, qualifying for Subaru insurance discounts, and reducing unnecessary coverages
On average, Subaru full coverage car insurance rates cost $136 monthly, though your chosen Subaru model affects your quotes. While Subaru Outback insurance costs $138 a month, you’ll pay $133 to insure a Subaru BRZ. So, it’s vital to compare Subaru insurance rates by model.
Whether you need to buy car insurance for a new car or you’ve had your Subaru for years, there are plenty of ways to save. Learn more about finding affordable coverage below, then compare Subaru car insurance rates to find a policy for your needs.
Subaru Car Insurance Costs
While Subarus generally come with affordable insurance rates, some models cost more to insure than others. For example, Subaru Outback insurance costs $138 monthly, whereas a Subaru Impreza is $143.
The average Subaru driver pays about $136 a month for car insurance. To see how much you might pay for insurance for your Subaru model, check the rates below:
| Vehicle Model | Comprehensive Rates | Collision Rates | Liability Rates | Full Coverage Rates |
|---|---|---|---|---|
| 2023 Subaru WRX | $31 | $55 | $35 | $135 |
| 2023 Subaru BRZ | $32 | $52 | $35 | $133 |
| 2023 Subaru Crosstrek | $34 | $53 | $32 | $132 |
| 2023 Subaru Impreza | $34 | $56 | $37 | $143 |
| 2023 Subaru Outback | $35 | $50 | $37 | $138 |
| 2023 Subaru Legacy | $36 | $49 | $35 | $134 |
| 2023 Subaru Forester | $36 | $53 | $32 | $135 |
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- Compare Subaru Impreza Car Insurance Rates [2023]
Despite having a wide range of models, most Subaru insurance rates stay around $136 a month. You’ll probably see affordable Subaru insurance quotes no matter which Subaru you buy. However, you can compare Subaru insurance rates by model to find cheap car insurance rates.
Understanding what insurance companies look at when determining your rates is important.
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Factors Affecting Subaru Car Insurance Rates
When you want to buy car insurance for a Subaru, you should know that various factors affect your car insurance rates. Each company has a unique formula to determine rates, so comparing rates before buying coverage is important. The following factors will affect your car insurance rates:
- Age and gender: Men and young drivers pay more for car insurance because they’re more likely to drive recklessly, get into accidents, or file other claims. So, when shopping for Subaru car insurance coverage options, compare car insurance rates by age and gender.
- Your car: Your vehicle’s age, model, and title history impact your rates. For example, most Subaru models have affordable costs because they have solid safety ratings.
- Location: Companies carefully track who files claims so they know the volume of claims by location. You can see different rates by moving even a single ZIP code.
- Driving history: Since car insurance companies check driving records, your rates can skyrocket after getting a traffic citation, especially for serious ones like DUIs. If you have too many incidents, you might need high-risk car insurance.
- Marital status: Married people pay less for car insurance because they file fewer claims than single, divorced, or widowed people. Find out the cost of married car insurance vs. single car insurance.
- Credit score: Most states allow insurance companies to use your credit score as part of the reasoning behind your rates. You’ll pay less for insurance if you have a higher credit score.
The amount of insurance you need for your car also affects your rates. If you have a newer Subaru, consider full coverage car insurance. It costs more than minimum insurance, but it offers much better protection.
Subaru Car Insurance Coverage Options
The type of insurance you should buy depends on your car. A brand-new Subaru should be covered by full coverage, especially if you have a loan or lease.
As a reliable brand, Subarus can stay on the road for years. Once your car is worth less than a few thousand dollars, it might be worth buying minimum insurance instead.
Before you make your choice, you should understand the following types of insurance:
- Liability: Most states require liability auto insurance before you can drive because it ensures you can pay for damages or injuries you cause in an accident.
- Collision: Liability insurance doesn’t pay for your car repairs after an at-fault accident. You need collision coverage on car insurance if you want help with your repair bills.
- Uninsured/underinsured motorist: While most states require insurance, not all drivers buy it. If a driver without enough coverage hits you, uninsured motorist coverage pays for your repairs and medical bills.
- Medical payments/personal injury protection: Medical payments and personal injury protection insurance pay for your health care costs after an accident. Depending on the plan you buy, it might cover your passengers too.
- Comprehensive: If your car gets damaged by fires, floods, hail, animals, thieves, or vandals, comprehensive car insurance picks up the bill.
- Gap insurance: Subaru gap insurance pays the difference between your Subaru loan balance and its market value if it gets totaled. Your lender will likely require Subaru gap insurance if you buy a brand-new Subaru.
Full coverage includes everything listed above, costing much more than minimum insurance. Minimum insurance requirements vary by state but usually include liability coverage. Many states also include uninsured motorist or personal injury protection insurance.
Tips to Save on Subaru Car Insurance
Subarus already have relatively affordable rates due to their excellent safety and reliability ratings. However, there are more ways to save on your Subaru car insurance. To get more affordable Subaru car insurance, use the following techniques:
- Be a safe driver. One of the most impactful factors on your rates is your driving record. You can keep your rates low simply by avoiding getting a traffic violation. Learn how traffic infractions affect car insurance.
- Keep your car safe. Most new Subarus have high-tech safety features, such as lane departure warnings and emergency braking. Safety features car insurance discounts can lower your Subaru car insurance rates. You’ll also get cheaper car insurance for parking in a safe spot every night.
- Increase your deductible. Increasing your deductible means you’ll have to pay more out-of-pocket when you file a claim, but it will decrease your monthly rates. Here’s how to find your car insurance deductible.
- Look for discounts. Finding Subaru car insurance discounts is crucial in searching for car insurance. Popular discounts for Subaru owners include savings for bundling policies, maintaining a high GPA, and taking a driver’s education course.
- Lower your coverage. Older Subarus probably don’t need as much coverage as newer ones, so you can drop some Subaru car insurance coverage options as your car ages. You should also be cautious about add-ons, which can significantly increase your rates. Find out how much car insurance you need.
- Buy a cheap Subaru to insure. Some Subarus are cheaper to insure than others, so compare Subaru insurance rates by model. For example, finding cheap car insurance for a Subaru Impreza might be challenging since rates average $143 monthly. Conversely, Subaru Crosstrek insurance costs $132.
No matter what methods you use to save on car insurance, the most important is that you compare rates with multiple companies. If you don’t see what’s out there for your unique situation, you’ll likely overpay for your coverage.
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Find the Best Subaru Car Insurance Today
Whether you want a hatchback to adventure in or the sporty ride of a WRX, Subarus are safe cars you can rely on. With affordable price tags and safety features insurance companies love, buying a Subaru usually means you’ll see low coverage rates.
While Subaru WRX insurance costs $135 monthly, Subaru Crosstrek insurance costs $132 since rates vary by model. In addition, it costs $143 to insure a Subaru Impreza — however, you can always find cheap car insurance for a Subaru Impreza by comparing quotes. Your rates will also vary due to age, gender, coverage options, insurance company, and more.
While it’s usually affordable to insure a Subaru, always compare quotes, Subaru car insurance coverage options, and Subaru insurance discounts from various companies. Finding the company with the lowest rates for you takes some searching, and skipping this step usually results in overpaying.
Frequently Asked Questions
Are Subarus expensive to insure?
Subaru insurance costs less than the national average, so coverage is usually considered affordable. However, you might see higher rates depending on your unique circumstances.
Are Subarus good for insurance?
Subaru ranks high in many consumer surveys for reliability, so car insurance rates are often more affordable than similar makes.
Why is Impreza insurance so high?
Subaru Impreza car insurance rates are high because many insurance companies categorize the vehicle as a sports car. So, you can find cheap car insurance for a Subaru Impreza if you compare sports car insurance rates.
Is a Subaru Forester expensive to insure?
The average Forester driver pays about $135 a month for insurance. The Forester is one of Subaru’s most popular models for the same reasons its insurance rates are low — Foresters have excellent safety ratings and affordable price tags.
How much is insurance on a 2023 Subaru Outback?
Subaru Outback insurance costs $138 monthly, making it slightly more expensive than the overall Subaru average.
Is a Subaru Crosstrek expensive to insure?
Subaru Crosstrek insurance costs $132, lower than the overall Subaru average. Compare Subaru insurance rates by model to find an affordable Subaru car insurance policy for you and your vehicle.
Are newer Subarus less expensive to insure?
Your Subaru car insurance rates will be higher if you drive a brand-new model. New Subarus cost more to repair or replace when you file a claim, so insurance companies charge more.
Is it cheaper to insure a car or SUV?
SUVs generally cost less to insure since these models often perform better in safety tests, but your Subaru SUV might have higher rates if you’re driving a new model.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.