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The average cost of Subaru car insurance is $2,408 per year. But the exact cost of Subaru insurance varies based on your model, driving history, and where you live—as well as your insurance company.
When it comes to Subaru insurance quotes, there’s no one-size-fits-all formula to get the best rate. Drivers with older model Subarus won’t be quoted the same price for an insurance policy as a driver who drives the latest Subaru Forester.
The same goes for your driving record: if you’ve got some speeding tickets under your belt, you’ll likely pay more for auto insurance than someone with a history of being a very safe driver.
Below, we'll discuss the factors that have the greatest impact on your car insurance quotes and how you can get the best car insurance for whatever Subaru vehicle you drive.
How much does Subaru insurance cost?
The average annual cost of car insurance coverage for a Subaru vehicle is $2,408. But insurance premiums for Subaru drivers vary across models, as well as based on your driving history, coverage limits, and location.
Subaru has certain qualities that make it a reasonable vehicle to insure. When shopping for an insurance provider, here are some of the attributes of Subaru that will work in your favor:
Subarus are safe. Models like the Subaru Forester, Subaru Crosstrek, and Subaru Outback consistently earn high safety ratings. To car insurance companies, a vehicle that’s known for its safety features could net you a lower rate.
Subarus are reliable. A recent study from Consumer Reports places Subaru in the top 25% of car brands for overall reliability.
Repairs are affordable. While Subies are dependable cars, when necessary, Subaru repair costs shouldn’t ravage your bank account. Replacement parts for a Subaru may not come as cheap as mass-market vehicles like Ford or Toyota, but they cost much less than what you’ll pay for a luxury vehicle.
The best way to make sure you aren’t paying too much for car insurance is to shop around for quotes. That’s where Jerry comes in.
When you browse insurance rates using Jerry’s free app, you’ll get free quotes for the coverage you need sourced from a pool of over 55 insurance providers. Better yet, rates are delivered straight to your fingertips in less than a minute!
No phone calls or mountains of paperwork are required with Jerry. Instead, comparing car insurance quotes is as easy as sending a text.
How much insurance do you need for a Subaru?
The type of coverage you purchase for your Subaru depends on a few things, such as the age of your vehicle and the state it’s registered in.
Purchasing just liability coverage may not be sufficient depending on the vehicle you drive—especially if you’ve got a new Subaru. But if your 2008 Subaru Legacy is still kicking, liability may be all you need.
On the other hand, if you’re zooming around in a new car—like the 2022 Subaru BRZ—supplementing your policy with collision and comprehensive coverage offers you full coverage, which keeps you and your vehicle protected from all sorts of unforeseen incidents.
Collision coverage focuses on reimbursing you for damages suffered from a crash. Comprehensive coverage will pay out for destruction caused by non-accident-related occurrences like a severe storm or even car theft.
If you’re financing your Subaru, your lender may require you to purchase full coverage and possibly even gap insurance. Gap insurance is a policy that covers the difference between how much your Subaru is worth and how much you have left to pay on the loan.
If you’re curious about what kind of quotes you’ll get for insurance premiums from Jerry, check out the table below and real-life testimonials from some of our many happy customers.
The model you drive is perhaps the biggest determining factor in your Subaru car insurance cost. The eternally sporty Subaru BRZ is the most expensive to insure because it's capable of hitting such high speeds. The cheapest model to insure is the more family-friendly Forester.
When you’re trying to figure out which Subaru vehicle is the best for both your budget and lifestyle, there’s a lot to consider. Let’s start by looking at the average annual premiums for some of Subaru’s most popular models.
How much does Subaru Forester insurance cost?
The Subaru Forester is one of Subaru’s best-selling cars in recent years. This outdoorsy compact SUV is an affordable, practical, comfortable ride. As we mentioned earlier, the Forester is one of the cheapest Subarus to insure, but how much does it cost?
Here’s a breakdown of average annual premiums for Forester owners.
You could argue that the midsized Outback SUV put Subaru on the map and it remains one of the most beloved vehicles from the Japanese car brand. Subaru is one of the only car manufacturers to offer all-wheel drive (AWD) on all of their SUVs, which makes them better suited to handle rough road conditions.
Vehicles fitted with AWD tend to be a bit more expensive to insure due to the fact that drivetrain repairs are typically pricey. You’ll see a slight jump on average in the price of annual premiums with the Subaru Outback compared to the Forester.
The Subaru Crosstrek is a capable SUV that made its U.S. debut in 2016. Although it’s one of Subaru’s newer offerings, the Crosstrek has proven to be a hit among buyers. Plus, it’s available as a hybrid.
The Crosstrek earns good safety ratings and its higher-than-average ground clearance makes it an attractive choice for drivers who are interested in taking their Subaru off-roading.
Subaru’s three-row SUV, the Ascent, is living up to its name by climbing to a spot as one of the brand’s top-selling models. Seeing as it’s the largest SUV in the Subaru fleet, you should expect to pay more to insure it than if you were to drive one of Subaru’s crossover-style SUVs.
However, insurance for the Ascent won’t be astonishingly different than what you’d pay to insure a five-seater.
Shopping for insurance quotes online might be easier than having to call a bunch of insurance agents, but it can still feel like a long, drawn-out process to undertake on your own.
Jerry is here to help. When you sign up for Jerry’s free app, you’ll be asked a few basic questions about yourself and your Subaru so that all the quotes we show you are customized to fit your needs.
Best car insurance companies for your Subaru
Subaru drivers are likely to find insurance rates they like from car insurance companies like USAA and Allstate. But remember, there is no specific car insurance provider that specializes in cheap policies for Subarus.
That’s why shopping with Jerry is so convenient! You’ll get immediate access to the best real-time rates sourced from more than 55 of the nation’s top-rated insurers. That way, it will be easy to see which company offers Subaru insurance at the best price.
To help you get a better idea of what quotes for Subaru car insurance will look like—and what kind of savings you'll get with Jerry—take a peek at the table below!
Once you have more of an understanding of what Subaru car insurance will cost, you also need to factor in how your driving record affects the final price for your annual premium.
Tickets for speeding or distracted driving will bump up the overall cost of your coverage while major infractions like a DUI or reckless driving can cause the price to increase by hundreds or even thousands of dollars. If you’re not comfortable paying the amount you’re being quoted, consider opting for a higher deductible to lower the premium cost.
The table below shows how much you can save on Subaru insurance when you improve your driving record.
Last but not least, let’s go over how your location affects your car insurance cost. Rates are different from state to state. The Subaru driver living in Michigan will not pay the same rate as the Subaru driver in New Jersey.
Wondering how much you’ll pay in the state where you live? Take a look at the table below.