Compare Subaru Car Insurance Rates [2023]

Subaru is one of the most recognized brands for vehicles that can handle adventures, but it also sells sports cars and sedans. Regardless of the model you purchase, your Subaru comes with a reputation for reliability and safety. Today, Subarus are one of the best-selling cars in America.

Subaru’s safety ratings and features are so good that you’ll see lower insurance rates just for buying one. The average Subaru driver pays a little less than the national average for car insurance, but there are plenty of ways to save even more.

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 the best policy for your needs.

How much does car insurance for a Subaru cost?

The average Subaru driver pays about $136 a month for car insurance, which is a little more affordable than what other drivers typically see. Although Subarus generally come with affordable insurance rates, some models cost more to insure than others. To see how much you might pay for insurance for your Subaru model, check the rates below.

Despite having a wide range of models, most Subaru insurance rates stay around $136 a month. No matter which Subaru you buy, you’ll probably see affordable Subaru insurance quotes.

When you’re looking for cheap car insurance, several factors are taken into consideration. It’s important to understand what insurance companies look at when determining your rates.

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What factors affect Subaru auto insurance rates?

When you want to buy car insurance for a Subaru, you should that a variety of factors affect your car insurance rates. Each company has a unique formula to determine rates, so it’s important to compare rates before you make a choice. The following factors will affect your car insurance rates:

• Age and gender: Men and young drivers pay more for car insurance because they are more likely to drive recklessly, get into accidents, or file other claims. Here’s how to compare car insurance rates by age and gender.
• Your car: The age, model, and title history of your vehicle are important aspects of your insurance. For example, most Subaru models come with affordable rates because they have solid safety ratings.
• Location: Companies carefully track who makes claims so they know exactly how many are made where you live. 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 to buy for your car also plays a role in your rates. If you have a newer Subaru, you should consider buying full coverage car insurance. It costs more than minimum insurance, but it offers much better protection.

Which types of car insurance should you buy for a Subaru?

As one of America’s top-selling brands, Subaru owners usually want to take the best care of their vehicles.

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 car 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. If you want help with your repair bills, you need collision car insurance.
• Uninsured/underinsured motorist: While most states require insurance, not all drivers buy it. If a driver without enough coverage hits you, uninsured motorist coverage will pay for your repairs and medical bills.
• Medical payments/personal injury protection: Medical payments and personal injury protection insurance pays for your health care costs after an accident. Depending on the plan you buy, it might cover your passengers too.
• Comprehensive: If your car is damaged by fires, floods, hail, animals, thieves, or vandals, comprehensive car insurance will pick up the bill.

Full coverage includes everything listed above, which is why it costs 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. Find the best and cheapest full coverage car insurance for your Subaru.

Tips to Save on Subaru Car Insurance

Subarus already come with relatively affordable rates, mainly due to their excellent safety and reliability ratings. However, there are more ways to save on your Subaru car insurance. To keep rates low, 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 come with safety features like lane departure warnings and emergency braking. Safety features will help you get car insurance discounts and, thus, lower rates. You’ll also see lower rates 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 car insurance discounts is a crucial step 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 insurance as your car ages. You should also be cautious about add-ons, as they can significantly increase your rates. Find out how much car insurance you need.

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. Learn how to reduce your car insurance rates after the first year.

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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 be seeing low coverage rates.

Although it’s usually affordable to insure a Subaru, you should never skip looking around for quotes. Finding the company with the lowest rates for you takes some searching, and skipping this step usually results in overpaying.