Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 25, 2020

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It’s all about you. We want to help you make the right coverage choices.

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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.

Here's what you need to know...

  • Subaru has been manufacturing vehicles since the early 1940s
  • Insurance rates will vary from company to company
  • Factor in the cost of insurance into the overall cost of ownership for your vehicle

Subaru cars are produced by a branch of Fuji Heavy Industries (FHI) and currently partners with Toyota Motor Corporation.

Fuji Heavy Industries reorganized as Nakajima Aircraft Company, Ltd to manufacture aircraft for Japan during World War II.

In 1946, the company reorganized eventually to form FHI and became involved in car manufacturing.

The name Subaru occurred because Kenji Kita, the CEO of FHI at the time, named the cars Subaru, the Japanese name of the Pleiades star cluster.

The Subaru logo reflects an oval with seven stars representing the Pleiades.

Through a series of mergers, Subaru was affiliated with General Motors and Renault. In 2005, Toyota purchased an interest in Subaru through FHI.

Enter your ZIP code now to find insurance rates on your Subaru vehicle.

Are Subarus expensive to insure?

Even though Subaru vehicles are made outside the United States, they are relatively easy to insure.

Insurance rates vary from company to company for a number of reasons.

Since insurance rates are filed on a regular basis with state insurance regulators, they can vary from year to year depending on statistics developed by each insurance company.

It is worth your time to compare insurance rates because amounts to be certain that you’re getting the best rate.

When gathering documents for an auto insurance quote, you will be expected to need the following:

  • Names, dates of birth, drivers license numbers of all drivers
  • Driving records of all drivers
  • Address, distance commuted, and average mileage for each car
  • Make, model, and year for each vehicle in the household

Subaru car insurance rates are low thanks to the inexpensive prices of the cars. Expect to pay about $1,376 per year or $114 a month for car insurance.

Free Car Insurance Comparison

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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Suggested Limits of Liability

Every state has its own requirements for the limits of liability required to fulfill the requirements of their own particular financial responsibility law.

These limits are ordinarily lower than is wise to carry considering the costs of medical care and automobile repair.

The following recommendations are made for limits of liability:

  • Bodily Injury Liability – your responsibility for bodily injury damages to others if you are responsible for an accident ($100,000 per person/$300,000 per accident)
  • Property Damage Liability – your responsibility for property damages to the property of others if you are responsible for an accident ($50,000 per accident)
  • Medical Payments Coverage – pays for funeral expenses and medical expenses such as emergency medical care incurred in an accident ($5,000)
  • Uninsured Motorists Coverage – pays for bodily injury or property damage if you’re involved with an uninsured motorist ($100,000 per person/$300,000 for bodily injury/$50,000 property damage)

Often, if your vehicle is financed, the lender requires that you carry physical damage to protect your interest and their interest in the event of an accident. The coverage comes usually with a deductible.

Deductibles are the amount removed from the settlement in the event of an accident.

Shop for comparisons on insurance, and be certain to use the same details for each company.

Be sure to always compare rates regardless of what vehicle you drive. Enter your ZIP code into the FREE comparison tool below to get started!