How much does Subaru car insurance cost? 

How to find the cheapest Subaru car insurance Quotes

The best car insurance companies for Subaru drivers

How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Insurance costs for popular Subaru models 

Safety features: The more safety features included in your vehicle, the less risk insurance companies incur when covering you. The good news is, most Subarus come standard with tons of built-in safety tech! 
Vehicle value: The more a vehicle costs, the more you can expect to pay for car insurance. High-value vehicles often feature expensive parts and high-tech extras that cost more to repair or replace, which is why auto insurers increase rates.
Engine size: Bigger or turbocharged engines capable of greater horsepower are considered riskier to insure. 
Availability of replacement parts: Subarus that come with custom parts or complex tech upgrades can cost more to repair, causing insurers to increase rates. 
Cost of repairs: More expensive models with pricier parts will cost more to repair—and therefore more to insure. 

Subaru Crosstrek insurance costs 

Base: Starting at $24,995, the base model of the Subaru Crosstrek offers reasonable bang for your buck with standard features like adaptive cruise control, lane-keeping assist with departure warnings, forward collision warning, dual-zone automatic climate control, and LED headlights that respond to your steering. 
Premium: Starting at $26,145, the Premium builds on the base-level trim with additional safety features and amenities, such as Subaru StarLink and LED fog lights, an 11.6-inch infotainment display, and roof rails. 
Sport: Starting at $28,995, the Sport offers appearance-geared upgrades including yellow exterior accents, dark gray alloy wheels, gray and yellow stitched upholstery, and a simulated carbon fiber dash trim. 
Limited: Starting at $30,895, the Limited upgrades the Premium trim with a heated windshield, customized interior, and additional driver’s assistance tech including blind-spot warning, automatic e-braking, and evasive steering assistance. 
Wilderness: Available starting in the Fall of 2023, the Wildnerness promises to be Subaru’s most rugged Crosstrek yet, with specialized off-road capabilities including a raised suspension, a reverse powertrain, all-terrain tires, and protective body paneling. It’s expected to roll out with a starting MSRP of $33,300. 

Subaru Forester insurance costs 

Base: Starting at $27,620, the standard Forester comes equipped with a 2.5-liter engine, continuously variable automatic transmission, all-wheel drive, and a 6.5-inch infotainment display capable of smartphone integration for both iPhones and Androids. 
Premium: Starting at $30,920, the Premium is a more popular choice among buyers, as it builds on the base model’s features with upgrades like keyless entry, roof rails, multiple drive modes for different terrain, and a panoramic sunroof. 
Sport: Starting at $32,500, the Sport trim is largely an appearance-based package, and brings features like black-painted wheels and orange exterior accents to the table. But it also includes standard safety tech that the Premium lacks—namely, blind-spot monitoring and evasive steering assistance. 
Limited: Starting at $34,600, the Limited trim adds creature comforts like leather upholstery, dual-zone automatic climate control, and a power-lift tailgate. 
Wilderness: Starting at $35,545, the Wilderness trim is attuned for off-roaders with higher ground clearance, front skid plates, and double the towing capacity. 
Touring: The most luxurious Forester starts at $38,000. With the Touring trim, drivers and front passengers enjoy heated and power-adjustable seats, the highest tier of driver’s assistance technology, integrated navigation capabilities, and a premium audio system. 

Subaru Outback insurance cost

Base: Starting at $29,620, the base trim starts drivers off with a 2.5-liter four-cylinder engine, dual infotainment displays, standard all-wheel drive, and a respectable amount of standard driver’s assistance technology. 
Premium: Starting at $31,920, the Premium trim elevates the comfort and style of the base model with tinted rear windows, a larger infotainment display, and a leather-wrapped steering wheel—although it shares the same 2.5-liter engine. 
Limited: Starting at $36.520, the Limited trim enhances the standard suite of driver’s assistance tech with extras including blind-spot monitoring, evasive steering assistance, and rear automatic braking. 
Touring: Starting at $41,070, in the Touring trim you’ll get all the features mentioned above along with creature comforts like integrated navigation, upgraded leather upholstery, a sunroof, and a digital rearview mirror. 
Wilderness: Starting at $39,670 the Wilderness trim is meant for true off-roaders with its all-terrain tires, upgraded suspension, and heavy-duty roof rails. 

Subaru Legacy insurance costs 

Base: Starting at $25,985, the base model boasts a wide array of standard safety technology, in addition to modest amenities including adaptive LED headlights and automatic climate control—but its 2.5-liter, four-cylinder engine leaves many drivers wanting for power. 
Premium: Starting at $28,285, the Premium trim elevates the standard model with heated seats and an upgraded infotainment display/sound system. It shares the same lackluster 2.5-liter engine, although add-on packages can improve interior aesthetics by adding a sunroof and built-in nav. 
Limited: Starting at $33,035, the Limited trim upgrades drivers to leather upholstery and a broader array of driver’s assistance technology. 
Sport: Starting at $35,585, the Sport trim is one for you if speed is your game. Upgraded with a turbocharged engine, the Sport also gets a specially-tuned suspension and stunning red exterior accents. 
Touring XT: Starting at $39,285, the Touring XT is the model with the most amenities. In the XT, drivers enjoy a turbocharged engine and exclusive interior upgrades that add a luxurious touch to the sedan’s style. 

Subaru WRX insurance costs 

Base: The base WRX boasts a turbocharged 2.4-liter four-cylinder engine, standard all-wheel drive with performance tires, and a manual transmission. Drivers who opt for the CVT instead of the manual transmission also benefit from Subaru’s suite of driver’s assistance technology. 
Premium: Starting at $34,125, the Premium trim builds on the base model with alloy pedals, a rear spoiler, and an optional premium audio system.  
Limited: Starting at $38,515, the Limited trim upgrades the WRX to include both the premium audio system and a sunroof, along with Subaru’s suite of driver’s assistance tech. 
GT: Starting at $44,415, the GT trim rounds out the WRX with matte gray wheels, a sport-tuned suspension, and additional driving modes for different terrain. 

Are Subarus more expensive to insure?

Cheapest Subarus to insure

Most expensive Subarus to insure

What factors affect Subaru car insurance rates?

Vehicle cost: Premiums are typically higher for Subaru models with higher market values.
Vehicle age: Generally, older Subaru models have lower insurance costs compared to newer ones.
Cost of parts: Subaru models that are less common or have customized features may have higher replacement and repair costs, resulting in higher insurance premiums.
Your age: Drivers under 25 usually face higher insurance rates due to limited experience, while senior drivers above 70 may also encounter increased rates.
Your driving record and claims history: Drivers with a clean record are often offered lower rates, while those with a history of accidents, tickets, and violations can expect higher premiums.
Where you keep your car: Neighborhoods with higher rates of property crime, auto theft, or significant weather risks may result in elevated insurance rates. These rates can differ from state to state and even within different cities.

Imports: While the U.S. manufactures a number of Subaru parts, the majority of drive trains and engines are made in Japan and have to be imported. This can affect the average cost of replacement parts. 
Trim level: The
trim level
you choose can also have an impact on the cost of car insurance. Base models are usually less expensive to insure than higher trim levels. 
Safety: Subarus are renowned for superior safety features, which can contribute to lower insurance costs. 

Subaru insurance cost for young drivers

Subaru insurance cost for senior drivers

Subaru insurance cost for drivers with driving violations 

Speeding tickets
DUIs
At fault accidents
Reckless driving
Driving on a suspended license

Cheapest car insurance for Subaru drivers with a speeding ticket

Cheapest car insurance for Subaru drivers with a DUI

Cheapest car insurance for Subaru drivers after an accident

Cheapest car insurance for Subaru drivers with other driving violations on their record

How can I lower the cost of my Subaru car insurance?

Shop around: Don't settle for the first insurance policy you come across. Instead, take the time to get quotes from multiple insurance companies to find the best deal for you. This process is typically free, and although it can be time-consuming, it doesn’t have to be! As a licensed insurance broker partnered with over 55+ leading providers, Jerry can narrow down the best quotes and coverage options for you in minutes.
Bundle your insurance policies: Consider bundling your car insurance with your
homeowners
or
renter’s insurance
to receive a discounted rate on both policies. 
Look for discounts: Many auto insurance companies offer discounts to help lower the cost. Check if you qualify for any discounts such as good driving, good student, or low mileage discounts. Don't hesitate to ask your agent if there are any unadvertised discounts you might be eligible for.
Adjust your coverage: If you have older or rarely driven vehicles, consider
reducing the amount of coverage
you have on them. This can be particularly beneficial if the value of your car is less than ten times the premium you're currently paying.
Raise your deductible: Increasing your deductible—which is the amount you pay out of pocket before your collision or comprehensive coverage kicks in—can lower your average monthly bill. However, make sure you can comfortably afford the higher deductible if you need to file a claim.

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