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 12557 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	Has Full Coverage
January 17, 2025	Subaru Legacy 2.5I Premium	Dairyland	$104	Lena, 35, Eagle Mountain, UT	30/65	No
January 17, 2025	Subaru Crosstrek Sport	National General	$158	Zachary, 31, Reseda, CA	30/60	No
January 17, 2025	Subaru Legacy 2.5I Limited	Progressive	$125	Lina, 29, Mount Laurel, NJ	25/50	Yes
January 17, 2025	Subaru Wrx Premium	Bristol West	$259	Adelaide, 37, Huntington Beach, CA	30/60	Yes
January 17, 2025	Subaru Forester 2.5I	Embark General	$320	Allen, 56, Woburn, MA	State Minimum	Yes

Last Updated Jan, 2025

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 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

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
Subaru Forester	$85	$136
Subaru Impreza	$90	$154
Subaru Legacy	$85	$165
Subaru Outback	$69	$135
Subaru Crosstrek	$82	$144
Subaru WRX	$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.

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

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage	Has Full Coverage
Subaru Crosstrek Sport	National General	$158	Zachary, 31, Reseda, CA	30/60	No
Subaru Crosstrek Sport	National General	$191	Stephen, 62, Ontario, CA	30/60	Yes
Subaru Crosstrek Premium	National General	$179	Erik, 46, Saint Marys, GA	State Minimum	Yes
Subaru Crosstrek Premium	National General	$428	Nelle, 55, Wethersfield, CT	State Minimum	Yes
Subaru Crosstrek Premium	Bristol West	$251	Mabel, 25, Springfield, MA	State Minimum	Yes

Last Updated Jan, 2025

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 2.5X	$91	$136
Forester 2.5i Premium	$117	$130
Forester 2.5i	$88	$144
Forester Sport	$64	$142
Forester 2.5X Premium	$94	$122

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	Has Full Coverage
Subaru Forester 2.5I	Embark General	$320	Allen, 56, Woburn, MA	State Minimum	Yes
Subaru Forester Touring	Bristol West	$192	Lida, 37, Fresno, CA	30/60	Yes
Subaru Forester 2.5I	National General	$61	Trevor, 58, Anaheim, CA	30/60	No
Subaru Forester Premium	National General	$84	Ellen, 29, Schiller Park, IL	State Minimum	No
Subaru Forester 2.5I	Aspire Advantage	$83	Benjamin, 42, Placerville, CA	30/60	Yes

Last Updated Jan, 2025

Subaru 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	$66	$118
Outback 3.6R Limited	$63	$142
Outback Premium	$85	$148
Outback 2.5i Limited	$68	$131
Outback 2.5i Premium	$71	$122

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	Has Full Coverage
Subaru Outback Premium	Bristol West	$444	Troy, 23, Bothell, WA	50/100	Yes
Subaru Outback 2.5I Premium	Progressive	$47	Gavin, 75, Georgetown, TX	State Minimum	No
Subaru Outback 2.5I Premium	Dairyland	$123	Ethan, 39, Prior Lake, MN	State Minimum	No
Subaru Outback 2.5I Premium	The General	$534	Jose, 19, Calhoun, GA	State Minimum	No
Subaru Outback 2.5I Limited	Mendota	$314	Philip, 29, Las Vegas, NV	State Minimum	Yes

Last Updated Jan 22, 2025

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.

Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage	Has Full Coverage
Subaru Legacy 2.5I Premium	Dairyland	$104	Lena, 35, Eagle Mountain, UT	30/65	No
Subaru Legacy 2.5I Limited	Progressive	$125	Lina, 29, Mount Laurel, NJ	25/50	Yes
Subaru Legacy Gt Limited	Progressive	$76	Winnie, 31, Bossier City, LA	State Minimum	No
Subaru Legacy 2.5I Premium	Progressive	$92	Rose, 18, Kokomo, IN	State Minimum	No
Subaru Legacy 30Th	Aspire Advantage	$44	Agnes, 61, Redding, CA	30/60	No

Last Updated Jan, 2025

Subaru 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 Subaru WRX	$103	$203
WRX STI Limited	$100	$203
WRX Premium	$97	$203
WRX Limited	$117	$203
WRX STI	$110	$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	Has Full Coverage
Subaru Wrx Premium	Bristol West	$259	Adelaide, 37, Huntington Beach, CA	30/60	Yes
Subaru Wrx	National General	$56	Cecelia, 35, Fresno, CA	30/60	No
Subaru Wrx Premium	Embark General	$145	Cameron, 34, Worcester, MA	State Minimum	No
Subaru Wrx Premium	Progressive	$180	Alta, 24, Los Angeles, CA	30/60	No
Subaru Wrx Premium	Bristol West	$118	Larry, 24, Renton, WA	State Minimum	No

Last Updated Jan, 2025

Are Subarus more expensive to insure?

Compared to the average cost of other cars, Subaru vehicles cost 9% less to insure.

Car Make	Average State Minimum Insurance Cost	Average Full Coverage Insurance Cost
Subaru	$85	$155
Toyota	$93	$166
Jeep	$94	$165
Mercedes-Benz	$100	$208

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: 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.

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.

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 Type	Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage	Has Full Coverage
Speeding Violation-Minor	Subaru Crosstrek Sport	National General	$158	Zachary, 31, Reseda, CA	30/60	No
Speeding 11-15	Subaru Outback 2.5I Limited	Mendota	$314	Gavin, 29, Las Vegas, NV	State Minimum	Yes
Speeding Violation-Major	Subaru Outback Premium	Bristol West	$77	Elnora, 30, Chicago, IL	State Minimum	No
Speeding 11-15	Subaru Outback 2.5I Limited	Electric	$210	Nell, 54, North Chesterfield, VA	50/100	Yes
Speeding Violation-Major	Subaru Legacy 2.5I	National General	$227	Harry, 30, Mesa, AZ	50/100	Yes

Last Updated Jan, 2025

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:

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	Has Full Coverage
Not At Fault	Subaru Crosstrek Sport	National General	$158	Zachary, 31, Reseda, CA	30/60	No
Not At Fault	Subaru Wrx	National General	$56	Cecelia, 35, Fresno, CA	30/60	No
At Fault With No Injury	Subaru Crosstrek Premium	National General	$179	Erik, 46, Saint Marys, GA	State Minimum	Yes
At Fault With No Injury	Subaru Outback 2.5I Limited	Mendota	$314	Gavin, 29, Las Vegas, NV	State Minimum	Yes
At Fault With No Injury	Subaru Impreza 2.5I Premium	Progressive	$63	Alta, 26, Columbia, PA	State Minimum	No

Last Updated Jan, 2025

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.

Violation	Car	Insurance Company	Premium (monthly)	Customer	Insurance coverage	Has Full Coverage
Driving on Sus. License	Subaru Legacy 2.5I Limited	Progressive	$125	Lina, 29, Mount Laurel, NJ	25/50	Yes
Ticket Violation Not Listed	Subaru Impreza Limited	National General	$74	Maude, 34, Lake Elsinore, CA	30/60	No
Suspension	Subaru Legacy 2.5I Premium	Progressive	$270	Herman, 43, Panama City, FL	No Coverage	Yes
Suspension	Subaru Impreza Premium	National General	$103	Lenora, 29, Millcreek, UT	30/65	No
Other Minor	Subaru Wrx Premium	Bristol West	$118	Larry, 24, Renton, WA	State Minimum	No

Last Updated Jan, 2025

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.