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Cheapest Subaru Car Insurance (Oct 2024)
Cheapest Subaru Car Insurance (Oct 2024)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Subaru.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- How much does Subaru car insurance cost?
- How to find the cheapest Subaru car insurance Quotes
- Insurance costs for popular Subaru models
- What factors affect Subaru car insurance rates?
- How can I lower the cost of my Subaru car insurance?
- FAQs
- Methodology
- Meet Our Experts
Load full table of contents
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 -- expensive to insure.
Jerry, a
trusted platform for insurance comparison
, has provided 0 customers with free quotes specifically tailored for Subaru car insurance. The table below showcases savings that Subaru drivers have found with help from Jerry. | Date | Car | Insurance Company | Premium (monthly) | Customer Details | Insurance coverage |
|---|---|---|---|---|---|
October 5, 2024 | Subaru WRX STI | Infinity | $128 | Chester, 31 Chula Vista, CA | • State Minimum Liability |
September 27, 2024 | Subaru Impreza | Mercury | $120 | Bertha, 48 Dallas, GA | • 100,000/300,000 Liability • Comp / Collision |
September 25, 2024 | Subaru Legacy 2.5I Premium | Progressive | $273 | Rebecca, 33 | • State Minimum Liability • Comp / Collision |
September 21, 2024 | Subaru Impreza Premium AWD | Bristol West | $315 | Clara, 38 | • 50,000/100,000 Liability • Comp / Collision |
September 19, 2024 | Subaru Legacy 3.6R Limited | Clearcover | $171 | Olga, 32 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Oct 5, 2024The 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 Company | Overall Rating | Price | Claims Experience | Customer 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 |
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.
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
The Subaru model you drive can make a serious impact on your insurance costs. Specifically, insurance companies consider the following:
- 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.
The table below provides the average costs of auto coverage for popular Subaru models.
| Car | Average State Minimum Insurance Cost | Average Full Coverage Insurance Cost |
|---|---|---|
$85 | $136 | |
$90 | $154 | |
Subaru Legacy | $85 | $165 |
$69 | $135 | |
Subaru Crosstrek | $82 | $144 |
$107 | $203 | |
Subaru XV | $75 | $152 |
If you’re wondering,
minimum coverage insurance
refers to the amount of liability insurance that’s legally required in your state, including bodily injury liability and property damage liability. These types of policies usually offer basic protection at a lower cost. On the other hand,
full-coverage insurance
offers greater protection for you and your vehicle by including collision coverage
and comprehensive coverage
in addition to your basic liability—but it comes with a higher price tag.While knowing averages may be helpful, the best way to get an accurate idea of how much you can expect to spend on car insurance is to shop around for insurance quotes.
Jerry
makes insurance shopping simple, generating you quotes from over 50 top insurance providers in seconds. 
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Subaru Crosstrek insurance costs
The Subaru Crosstrek revolutionized the segment of compact crossover SUVs with its standard all-wheel drive, impressive amount of cargo space, and surprisingly nimble handling. Plus its affordable price range and stellar safety ratings are good news for car insurance companies! In fact, the 2022-23 Crosstrek earned a Top Safety Pick rating from the
Insurance Institute for Highway Safety
(IIHS). The stylish and award-winning Subaru Crosstrek is available in five trim levels, which increase in the number of features (as well as in dollar value) as you move up the ladder:
- 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.
Here’s how much you might expect your cost to change based on the trim level of your car:
In the table below, you’ll find real quotes for real people from Jerry who drive a Subaru Crosstrek
Subaru Forester insurance costs
One size up from the Crosstrek is the Forester, a highly successful compact SUV that’s become a staple of the Subaru lineup. In addition to its standard all-wheel drive and ample ground clearance, the 2023 Forester earned the highest safety award from the IIHS when it was designated Top Safety Pick+ on its most recent list!
- 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.
Here’s how much you might expect your cost to change based on the trim level of your car:
| Car Trim | Average State Minimum Insurance Cost | Average Full Coverage Insurance Cost |
|---|---|---|
Forester 2.5i | $88 | $144 |
Forester 2.5i Premium | $117 | $130 |
Forester 2.5X Premium | $94 | $122 |
Forester Sport | $64 | $142 |
Forester 2.5X | $91 | $136 |
That said, averages are not a good indicator of what your own policy might cost. Check out some real quotes from Jerry users:
| Car | Insurance Company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|
| Subaru Forester 2.5I Premiu | Safeco | $165 | Eddie, 26 | • 50,000/100,000 Liability |
| Subaru Forester 2.5X Premium | Nationwide | $81 | Lily, 29 | • 100,000/300,000 Liability • Comp / Collision |
| Subaru Forester 2.5I Premium | Bristol West | $212 | Elmer, 31 | • 50,000/100,000 Liability • Comp / Collision |
| Subaru Forester Touring | Mercury | $107 | Dora, 69 | • 100,000/300,000 Liability • Comp / Collision |
| Subaru Forester | Infinity | $96 | Julia, 33 | • State Minimum Liability |
Last Updated Oct 6, 2024Subaru Outback insurance cost
The Subaru Outback is another classic member of the brand’s line-up. Starting out as a family-sized station wagon all the way back in 1994, the modern Outback has experienced a glow-up of epic proportions—mid-size SUV proportions, to be exact.
The Outback offers more space than its smaller counterparts, albeit at the cost of speed. But drivers craving quick acceleration may be satisfied with the optional 2.4-liter turbo engine.
- 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.
Here’s how much you might expect your cost to change based on the trim level of your car:
| Car Trim | Average State Minimum Insurance Cost | Average Full Coverage Insurance Cost |
|---|---|---|
Outback 2.5i Limited | $68 | $131 |
Outback Premium | $85 | $148 |
Outback 3.6R Limited | $63 | $142 |
Outback 2.5i Premium | $71 | $122 |
Outback 2.5i | $66 | $118 |
That said, averages are not a good indicator of what your own policy might cost. Check out some real quotes from Jerry users:
| Car | Insurance Company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|
| Subaru Outback 2.5I Limited | Allstate | $170 | Luke, 30 | • 50,000/100,000 Liability |
| Subaru Outback 2.5I Premium | Safeco | $82 | Barry, 31 | • 100,000/300,000 Liability • Comp / Collision |
| Subaru Outback 2.5I | Travelers | $168 | Robert, 28 Salem, MA | • State Minimum Liability • Comp / Collision |
| Subaru Outback 2.5I Limited | AAA | $113 | Jennie, 26 | • State Minimum Liability • Comp / Collision |
| Subaru Outback Outback 2.5I | Bristol West | $85 | Robert, 74 Waldport, OR | • 50,000/100,000 Liability |
Last Updated Oct 5, 2024Over 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:
The cheapest I have found
Amy
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!
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Good but expensive
Catherine
Great service and great prices
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Subaru Legacy insurance costs
In the midst of so many SUVs, we can’t forget about the classic Subaru sedan: the Legacy. Introduced in 1989, the Legacy is a well-equipped (if stylistically simple) mid-size sedan that historically ranks well in its segment. In true Subaru style, the Legacy one of the only sedans to be offered with standard all-wheel drive—and its fuel economy is one of the best in its class!
The latest Legacy is offered in five trim levels:
- 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.
Here’s how much you might expect your cost to change based on the trim level of your car:
In the table below, you’ll find real quotes for real people from Jerry to better understand how your driver profile impacts your cost.
Last Updated Oct 4, 2024Subaru WRX insurance costs
The Subaru WRX has earned a small but loyal following among rally-racers and sports car enthusiasts alike, in large part because it can offer exceptional performance without the eye-popping price tag.
With a humble starting MSRP of just $31,625, the WRX puts similar competitors—like the Acura TLX and Audi A3—to shame. But its turbocharged engine and reputation for speed can make it a riskier car to cover in the eyes of insurers.
- 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.
Here’s how much you might expect your cost to change based on the trim level of your car:
| Car Trim | Average State Minimum Insurance Cost | Average Full Coverage Insurance Cost |
|---|---|---|
WRX Premium | $97 | $203 |
WRX Limited | $117 | $203 |
WRX STI | $110 | $203 |
WRX Subaru WRX | $103 | $203 |
WRX STI Limited | $100 | $203 |
In the table below, you’ll find real quotes for real people from Jerry to better understand how your driver profile impacts your cost.
| Car | Insurance Company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|
| Subaru WRX | Progressive | $235 | Francis, 37 | • State Minimum Liability |
| Subaru WRX STI Limited | Safeco | $203 | Hattie, 29 | • 50,000/100,000 Liability • Comp / Collision |
| Subaru WRX | AAA | $210 | Leila, 28 | • 100,000/300,000 Liability • Comp / Collision |
| Subaru WRX | Nationwide | $113 | Bessie, 32 | • State Minimum Liability • Comp / Collision |
| Subaru WRX | Bristol West | $242 | Edna, 26 | • State Minimum Liability • Comp / Collision |
Last Updated Oct 9, 2024Are Subarus more expensive to insure?
Compared to the average cost of other cars, Subaru vehicles cost -- to insure.
| Car Make | Average State Minimum Insurance Cost | Average Full Coverage Insurance Cost |
|---|---|---|
| Subaru | $85 | $155 |
| Pontiac | $87 | $142 |
| Mini | $90 | $166 |
| Volkswagen | $93 | $176 |
| Hyundai | $101 | $186 |
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 Make | Average Monthly State Minimum Insurance Cost | Average Monthly Full Coverage Insurance Cost |
|---|---|---|
2015 Subaru Outback | $63 | $110 |
2018 Subaru Outback | $63 | $134 |
2022 Subaru Forester | $63 | $179 |
2020 Subaru Forester | $63 | $151 |
2020 Subaru Ascent | $63 | $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 Make | Average Monthly State Minimum Insurance Cost | Average Monthly Full Coverage Insurance Cost |
|---|---|---|
2017 Subaru BRZ | $117 | $203 |
2022 Subaru Outback | $117 | $172 |
2013 Subaru Legacy | $117 | $163 |
2020 Subaru WRX | $117 | $201 |
2021 Subaru Crosstrek | $117 | $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: Thetrim levelyou 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.
Earl (19 years old)
$106
per month
Warren (23 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Subaru Legacy 2.5I Premium$205
per month
Eliza (24 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Subaru Outback Premium$208
per month
Gainsco
Harry (18 years old)
CoverageState Minimum
Jacksboro, TNSubaru Impreza Outback Sport$144
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.
Ruth (74 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Waldport, ORSubaru Outback Outback 2.5I$93
per month
Mike (75 years old)
$123
per month
Scott (66 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Subaru Crosstrek Premium$90
per month
Sophie (66 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Subaru Crosstrek Limited$299
per month
Sean (76 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$320
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.
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:
Kate (37 years old)
DUI
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$70
per month
Lydia (38 years old)
$76
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 type | Car | Insurance Company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|---|
["At Fault With No Injury"] | Subaru Legacy 2.5I Premium | Progressive | $273 | Gene, 33 | • State Minimum Liability • Comp / Collision |
[] | Subaru Outback 2.5I Premium | Travelers | $95 | Earl, 45 | • 100,000/300,000 Liability • Comp / Collision |
["Not At Fault"] | Subaru Crosstrek Premium | Nationwide | $115 | Georgie, 30 | • No Coverage Liability |
[] | Subaru Forester Touring | AAA | $77 | Lois, 75 | • No Coverage Liability |
[] | Subaru WRX STI Limited | Bristol West | $295 | Raymond, 32 | • State Minimum Liability • Comp / Collision |
Last Updated Oct 4, 2024Cheapest 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.
| Violation | Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|---|
Illegal Turn | Subaru Crosstrek Premium | Progressive | $114 | Ola, 34 | • 100,000/300,000 Liability • Comp / Collision |
Defective Equipment | Subaru Outback 3.6R Limited | Safeco | $97 | Aaron, 29 | • State Minimum Liability |
Failure to Obey Signal | Subaru Impreza Premium | AAA | $209 | Carolyn, 33 | • State Minimum Liability • Comp / Collision |
Wrong Way/Wrong Lane | Subaru Legacy 30TH Anniversary Outback | Bristol West | $103 | Carolyn, 62 | • State Minimum Liability |
Cell Phone | Subaru Forester 2.5I Limited | Allstate | $273 | Lina, 43 | • State Minimum Liability • Comp / Collision |
Careless Driving | Subaru Impreza WRX | Gainsco | $129 | Lula, 52 | • 30,000/60,000 Liability |
Driving on Sus. License | Subaru Outback 2.5I | Safeco | $134 | Nell, 27 | • 25,000/50,000 Liability |
Failure to Obey Signal | Subaru Impreza WRX | Mercury | $136 | Nancy, 29 Oaklyn, NJ | • 100,000/300,000 Liability • Comp / Collision |
Seat Belt | Subaru Forester 2.5I Premium | Plymouth Rock | $128 | Allie, 29 Belmar, NJ | • 100,000/300,000 Liability • Comp / Collision |
Improper Passing | Subaru Impreza WRX | Gainsco | $210 | Cecilia, 26 Jefferson City, MO | • State Minimum Liability • Comp / Collision |
Last Updated Oct 9, 2024How 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 yourhomeownersorrenter’s insuranceto 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, considerreducing the amount of coverageyou 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
Is owning a Subaru expensive?
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.
Are Subarus expensive to insure?
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.
How much is full coverage insurance on a 2023 Subaru Crosstrek?
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.
Is Subaru Outback good for insurance?
The average annual cost to insure a Subaru Outback is $828 per year for minimum liability coverage, or $1620 for full coverage. That’s -- 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
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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.
Lina Zhang
Licensed Insurance Agent
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.
Josh Damico
Head Of Insurance Operations
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.