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Cheapest Subaru Car Insurance (Dec 2023)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Subaru.
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R.E. Fulton
Expert Insurance Writer and Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How much does Subaru car insurance cost? 

When it comes to the world of automobiles, Subaru has carved out a niche for itself with its exceptional engineering, signature engine and drive train, unwavering all-wheel drive system, and rugged capabilities that can conquer even the most challenging terrains. In more recent years, Subarus have also become synonymous with top-notch safety features. 
Subaru drivers pay an average of $1,020 per year for
auto insurance
—but every Subaru car insurance policy is unique. This number is just an estimate, there is no real ‘average’ cost of car insurance. Your price will depend entirely on your driver profile, which is why it’s so important to compare quotes.

How to find the cheapest Subaru car insurance Quotes

Based on recent analysis conducted by insurance experts at Jerry, we have discovered the average monthly insurance cost for a Subaru vehicle is $85. In comparison to the national average for other car brands, Subaru vehicles are 9% less expensive to insure.
Jerry, a
trusted platform for insurance comparison
, has provided 12407 customers with free quotes specifically tailored for Subaru car insurance. The table below showcases savings that Subaru drivers have found with help from Jerry. 
DateCarInsurance CompanyPremium (monthly)Customer DetailsInsurance coverage
December 8, 2023
Subaru WRXNationwide
$383
• 50,000/100,000 Liability
• Comp / Collision
December 7, 2023
Subaru ImprezaMercury
$120
• 100,000/300,000 Liability
• Comp / Collision
December 7, 2023
Subaru Legacy 2.5IProgressive
$167
• State Minimum Liability
• Comp / Collision
December 2, 2023
Subaru CrosstrekPlymouth Rock
$251
• 100,000/300,000 Liability
• Comp / Collision
November 23, 2023
Subaru Legacy 30TH Anniversary OutbackClearcover
$73
• State Minimum Liability
coverageLast Updated Dec 8, 2023

The best car insurance companies for Subaru drivers

Here's the deal: there's no one-size-fits-all insurance company that's the absolute best for every Subaru driver. The right company for you hinges on factors like your driving history, demographics, and eligibility for discounts—along with the type of vehicle you drive. 
To find out which insurance companies offer the most competitive rates for Subaru drivers,
Jerry
conducted the largest insurance shopping survey in the nation. To see how Subaru drivers rank some of the most popular insurance companies, check out the table below. 

Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Safeco
4.6
4.4
4
4.5
Travelers
4.5
4.2
4.4
4.5
Progressive
4.3
3.9
3.9
4.3
AAA
4.2
4
3.8
4.4
Allstate
4.2
3.6
3.8
4.2
USAA
4
3.5
4.5
4.2
State Farm
4
3.4
3.8
4.2
Farmers
4
3.4
4.1
3.9
Geico
3.9
3.3
3.9
4
Liberty Mutual
3.7
3.2
3.5
3.7
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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.

Over 4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Safeco
The cheapest I have found
Amy
Safeco
When I signed up for Safeco I saved so much money! it was really quick and it only took a few minutes. It was painless, 10/10 would do it again. Now I have extra money for my trip in March!
Blake
GEICO
Good but expensive
Catherine
Progressive
Great service and great prices
John

Are Subarus more expensive to insure?

Compared to the average cost of other cars, Subaru vehicles cost 9% less to insure. 
Car MakeAverage State Minimum Insurance CostAverage Full Coverage Insurance Cost
Subaru
$85
$155
Pontiac
$87
$142
Saturn
$88
$150
Lincoln
$94
$191
Infiniti
$105
$213

Cheapest Subarus to insure

The cheapest Subaru model to insure is the 2015 Subaru Outback, which costs on average $43 per month for state minimum coverage or $110 per month for full coverage.

Car MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost
$43
$110
$49
$134
2022 Subaru --
$50
$179
2020 Subaru --
$51
$151
2020 Subaru --
$53
$162

Most expensive Subarus to insure

The most expensive Subaru model to insure is 2017 Subaru BRZ, with an average monthly premium of $158 for state minimum coverage, or $232 for full coverage.

Car MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost
$141
$163
2017 Subaru --
$158
$232
2022 Subaru --
$157
$172
2020 Subaru --
$140
$201
2021 Subaru --
$134
$150
Remember though, that the cost of insurance also depends on other factors such as your driving history, where you live, and more—so shopping for personalized insurance quotes will be more informative than averages alone.

What factors affect Subaru car insurance rates?

Insurance companies consider many factors when calculating your Subaru car insurance costs, including:
  • 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.
Here are a few specific factors that impact insurance rates for Subaru vehicles:
  • 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. 
All these factors play a role in determining your insurance cost, which is why shopping for personalized insurance quotes is the best way to find the best coverage at the best rate.

Subaru insurance cost for young drivers

Teens between the ages of 16 to 19 commonly encounter higher car insurance rates compared to other age groups. This disparity stems from a general lack of driving experience and the absence of an established insurance history.
Subaru’s superior safety ratings make them an excellent choice for first-time drivers—but teens would still benefit from a full-coverage insurance policy that can provide better protection to them, their passengers, and their wheels.
Jerry has helped many young drivers find affordable Subaru coverage. 

Eric (20 years old)
$183
per month
Catherine (22 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$383
per month
Maggie (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationMoroni, UT
$286
per month
Marian (23 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationEast Setauket, NY
$362
per month
Birdie (21 years old)
coverageCoverage
State Minimum
$231
per month

Subaru insurance cost for senior drivers

Similar to teen drivers, senior drivers are often viewed as a risky bunch to insure. That’s because senior drivers typically have a higher probability of being involved in car accidents—and accidents that involve senior drivers often lead to more severe injuries and higher medical expenses. 
Consequently, drivers may observe a rise in their insurance rates after reaching the age of 75. Jerry assists senior drivers in finding affordable coverage options.

Mario (69 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$80
per month
Eva (66 years old)
$177
per month
Robert (65 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationNanuet, NY
$299
per month
Adele (69 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationSpruce Pine, NC
$87
per month
Evan (65 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
$97
per month
While your age affects your insurance rates, a number of other factors also play a role in determining how much you’ll pay to protect your vehicle. That’s why shopping for personalized insurance quotes is the best way to know what you can expect to pay for car insurance. 

Subaru insurance cost for drivers with driving violations 

Besides the car you drive, your Subaru insurance costs depend on your own driving history—and having a
clean driving record
usually leads to lower insurance costs. 
However, if you have committed one or more of the following violations within the past three to five years, you could face higher premiums for coverage:
  • Speeding tickets
  • DUIs
  • At fault accidents
  • Reckless driving
  • Driving on a suspended license

Cheapest car insurance for Subaru drivers with a speeding ticket

Speeding is one of the most common traffic violations, and we’ve all likely been guilty of it at one point or another. While receiving one or two minor speeding tickets may have minimal impact on your insurance rates, repeated offenses or more serious infractions can certainly lead to increased premiums.
Jerry can help Subaru owners keep car insurance costs low after a speeding violation. 

Speeding TypeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
Speeding 1-5
Subaru Impreza Premium PlusProgressive
$83
• 100,000/300,000 Liability
• Comp / Collision
Speeding 6-10
Subaru ImprezaSafeco
$83
• 15,000/30,000 Liability
Subaru Outback 2.5I PremiumTravelers
$95
• 100,000/300,000 Liability
• Comp / Collision
Speeding 21+
Subaru Forester LimitedClearcover
$190
• 100,000/300,000 Liability
• Comp / Collision
Subaru Forester 2.5XNational General
$231
• State Minimum Liability
coverageLast Updated Dec 8, 2023

Cheapest car insurance for Subaru drivers with a DUI

If you have a
DUI conviction
on your driving record, insurance companies can hit you with substantially higher rates or even deny coverage altogether.
You may need to compare rates from multiple providers to find low-cost insurance coverage after a DUI. That's where Jerry can help:

Celia (23 years old)
DUI
coverageCoverage
State Minimum
locationAndover, CT
$145
per month
Birdie (32 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$89
per month
Dorothy (42 years old)
DUI
coverageCoverage
State Minimum
$122
per month
Pearl (34 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
$62
per month
Ruby (30 years old)
DUI
coverageCoverage
15,000 per person
30,000 per accident bodily injury
Comp / Collision
$137
per month

Cheapest car insurance for Subaru drivers after an accident

Your car accident or claims history can significantly influence your Subaru insurance costs. If you have recently been involved in an at-fault accident, there is a possibility that your expenses could rise.

Accident typeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
At Fault With Injury
Subaru Crosstrek LimitedAllstate
$209
• 50,000/100,000 Liability
• Comp / Collision
At Fault With Injury
Subaru Impreza Premium PlusClearcover
$150
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Subaru Forester 2.5IState Auto
$119
• 100,000/300,000 Liability
• Comp / Collision
Not At Fault
Subaru Forester TouringMercury
$107
• 100,000/300,000 Liability
• Comp / Collision
At Fault With No Injury
Subaru Forester 2.5X LimitedBristol West
$223
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Dec 11, 2023

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

Apart from speeding tickets and DUIs, there are other types of traffic violations that can cause your car insurance rates to rise. Jerry is proud to help Subaru drivers save on their insurance despite various violations.

ViolationCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Illegal Turn
Subaru Crosstrek PremiumProgressive
$114
• 100,000/300,000 Liability
• Comp / Collision
Defective Equipment
Subaru Outback 3.6R LimitedSafeco
$97
• State Minimum Liability
Failure to Obey Signal
Subaru Impreza PremiumAAA
$209
• State Minimum Liability
• Comp / Collision
Wrong Way/Wrong Lane
Subaru Legacy 30TH Anniversary OutbackBristol West
$103
• State Minimum Liability
Cell Phone
Subaru Forester 2.5I LimitedAllstate
$273
• State Minimum Liability
• Comp / Collision
Careless Driving
Subaru Legacy OutbackNational General
$97
• 50,000/100,000 Liability
Driving on Sus. License
Subaru Legacy 2.5I PremiumState Auto
$186
• 50,000/100,000 Liability
• Comp / Collision
Failure to Yield
Subaru Impreza PremiumAAA
$209
• State Minimum Liability
• Comp / Collision
Seat Belt
Subaru Outback 3.6R LimitedProgressive
$191
• State Minimum Liability
• Comp / Collision
Improper Passing
Subaru Impreza PremiumMercury
$245
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Dec 10, 2023

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

Here are some tips to help you save money on your Subaru insurance costs: 
  • 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.

FAQs

The Subaru brand is synonymous with safety and affordability—but insurance costs can quickly rise when you choose an upgraded model. Part of the reason is that complex or custom components can cost more to replace. In addition to insurance costs, you should also keep in mind that Subarus generally garner above-average maintenance costs compared to competitors. 
The cost of Subaru car insurance can vary significantly among model years and trim levels—not to mention personal factors, such as your driving history, demographics, and location. The best way to estimate what you’ll pay for Subaru car insurance is by shopping for quotes using an online comparison website or tool, like Jerry.
The average cost of full coverage insurance for a 2023 Subaru Crosstrek is $1,860 per year. Drivers who choose to opt only for their state’s minimum liability coverage can expect to pay $984 per year. 
The average annual cost to insure a Subaru Outback is $828 per year for minimum liability coverage, or $1620 for full coverage. That’s 9% less the national average. 

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

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R.E. Fulton
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Expert Insurance Writer and Editor
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
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Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.