Best Car Insurance for Subaru 2021

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On average, Subaru drivers pay $1,536 each year for car insurance. But depending on the model you have, your insurance rates could vary. A Forester S costs $823 more more per year to insure than a Legacy 2.5I Premium.

Here’s what drivers pay when they switch with Jerry

Here are some real quotes from Jerry customers who saved money when insuring their Subaru.
Quote DateMake/modelCity, StateAgeCarrierCoverage Type
Before Jerry
After Jerry
February 26, 2021Subaru Legacy Outback AwpSalt Lake City, UT31Bristol WestBasic$144/mo.$84/mo.
May 27, 2021Subaru Impreza PremiumPhiladelphia, PA42Plymouth RockPredicted$256/mo.$103/mo.
May 30, 2021Subaru Crosstrek PremiumPortland, OR26KemperCurrent$164/mo.$113/mo.
June 3, 2021Subaru Impreza 2.5I PremiumPhiladelphia, PA21SafecoCustom$285/mo.$233/mo.
June 3, 2021Subaru Impreza 2.5I PremiumPhiladelphia, PA21DairylandBasic$285/mo.$249/mo.

Best insurance carriers for your Subaru

Pricing and Reviews

Insurance rates take a number of different factors into consideration, including your personal profile, driving record, and location. But each insurer uses a slightly different calculation, which means that your rates may vary across companies—even for the same coverage.
The cheapest insurer for Subaru is Metlife, with an annual premium of $896.
Other popular carriers for Subaru include the following:
Nationwide
Drivers who have a safe record and are tech savvy may find Nationwide a good choice. They offer a robust online platform, mobile app, and website—all of which earns them a rating of 4.6/5 from Jerry.
Progressive
Progressive is one of the most well-known insurers in the space. With good financial strength, a wide range of coverage options, and great discounts and features, Progressive is a good option for tech-savvy or higher-risk drivers. Jerry gives it a rating of 4.6/5.
Kemper
Kemper specializes in helping high-risk drivers get insurance. It files SR22 forms for drivers who need to provide proof of coverage to the state and even insures vehicles with salvage titles that have been rebuilt after being totaled. Jerry rates Kemper a 4.3/5.
Safeco
Safeco is a great choice for younger drivers who are looking for affordable insurance. It has a claims-free cashback program, which gives you a small refund for every six months that you remain claims-free. Thanks to these perks, Jerry rates Safeco 4.5/5.
Allstate
Allstate is one of the largest carriers and has an equally large network of agents and repair shops across the country. It offers plenty of great digital features, including a rate calculator, mobile app, online bill payment, and online claim reporting. Allstate gets 4.5/5 from Jerry.
Travelers
Travelers has some great insurance add-ons for drivers, including roadside assistance, rental car reimbursement, accident forgiveness, new car coverage, and gap coverage. It also offers various discounts to help lower premiums, including for safe drivers and good students. Jerry gives Travelers a 4.7/5 rating.
State Auto
State Auto is a great choice for safe, experienced drivers looking to get the most out of their insurance. It offers lots of different coverage options and allows drivers to conveniently file claims online. State Auto gets a 4.1/5 rating from Jerry.
National General
National General specializes in insurance for high-risk drivers. The company also has a claims satisfaction guarantee in most states and will waive your deductible up to $250 if you’re not happy with your claims experience. Jerry gives National General a rating of 4.1/5.
Dairyland
Dairyland is also a great option for drivers who are higher risk. It offers flexible payment plans, plus 24/7 live claims support in almost 40 states. Dairyland gets a rating of 4.6/5 from Jerry.
Clearcover
Clearcover is excellent for those who are into tech and want to keep things simple. It has an award-winning app that lets you file a claim, pay your bill, and access proof of insurance—all while keeping communication entirely online. Jerry rates Clearcover a 4.1/5.

How to compare prices to find the most affordable coverage

Since every insurance company determines premiums a little differently, you’re likely to get many different price options. And while the cheapest option might be tempting, it’s important to remember that cheaper isn’t always better.
Sacrificing essential coverage to save on your annual premium could leave you in a precarious financial situation in the event of an at-fault accident.
To find the best policy and premium, you’ll probably want to compare quotes from 3–5 different insurers.
Almost every insurance company offers online quotes, so you can head to their website, fill out a form, and get your rate. But if you’ve ever done this, you know how time-consuming and miserable it can be.
To make sure you’re getting the right coverage for the best price, use a comparison shopping app like Jerry.
Jerry is the easiest and most effective way to find a car insurance policy that is customized for you.
After providing you with a comprehensive cross-analysis of the best policies across providers, Jerry will handle the phone calls, paperwork, and renewals for your top pick so that you don’t have to. So why do all that extra work when Jerry can do it better?
Filters
RankCompany nameAvg. Annual Premium
1CLEARCOVER$1,478.74
2Travelers$1,684.73
3Progressive$1,824.17
4Kemper$1,921.98
5Nationwide$2,097.17
Key Takeaway Using a car insurance comparison app like Jerry is the easiest and most effective way to compare quotes from multiple carriers to find the best premium for the coverage you need.

Cost of insuring a Subaru

Cost of insuring with minimum coverage and full coverage

The average annual insurance premium for a Subaru is $1,448 per year for minimum car insurance and $2,184 for full-coverage insurance. When you consider all makes and models, the average insurance premium in the US is $1,689 per year for minimum car insurance and $2,460 for full-coverage insurance.
While your insurance premium for your Subaru will depend on the coverage you select, remember that each state has its own minimum insurance requirements that you must meet.
Here are the basic types of insurance that your state may require:
Coverage typeProtection offered
Bodily injury liability (per person and per accident)Pays for the costs associated with the injuries you’ve caused to others
Property damage liability (per accident)Pays for the costs associated with damage you cause to other people’s vehicles or property
Uninsured motorist protection (per person and per accident)Applies when a car accident isn’t your fault but the at-fault driver doesn’t have liability insurance to pay for your injuries or property damage
Underinsured motorist protection (per person and per accident)Applies when the at-fault driver has liability insurance, but it isn’t enough to cover your injuries or property damage
Personal injury protection (per person and per accident)Pays for your own medical expenses after a car accident
While these are the mandatory minimums, you’re usually better off purchasing additional insurance for your Subaru if you can afford it.
Even a relatively minor accident can result in thousands of dollars of damage and medical bills. If you’re at fault but don’t have enough coverage, you will be responsible for the costs out of pocket.
If you’re leasing or financing your Subaru, the company may require you to purchase full-coverage insurance. You should also consider full-coverage insurance if you can’t afford to replace your car in the event of a total loss.
Full coverage typically refers to policies that include collision insurance and comprehensive insurance, plus the liability insurance that the state requires.
Coverage typeProtection offered
CollisionApplies if you get into a collision with someone else’s vehicle or an object
ComprehensiveApplies when your car is damaged by something other than a collision or rollover, like a weather event or vandalism
Here’s what it costs to insure a Subaru with minimum coverage and full coverage before and after switching with Jerry.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Subaru$2,075$1,387$1,830$1,092$1,981$1,555

Cost of insuring based on age and driving record

Insurance companies consider your age and driving record when setting your premium. These factors help them get a sense of your driving experience and the likelihood of getting into an accident.
Younger drivers are more accident-prone and tend to pay more, while older drivers who have a lot of experience typically pay less for insurance.
Insurance companies also consider any traffic violations that may be on your record.
A minor speeding ticket or failure to stop may prompt a small increase in your insurance rate. More serious offenses, like driving under the influence (DUI) and careless driving, have a far more significant impact on your premiums—and could stay on your record for a decade or more.
But there’s good news! If you improve your driving habits and maintain a clean record moving forward, you’re likely to see your premiums drop.
Here’s how accidents and violations can affect car insurance costs for Subaru by age group:
Key Takeaway Insurance costs for your Subaru will vary depending on factors like your driving record, age, and insurance coverage needs.
The type of Subaru you own makes a difference for your insurance premium. This is because different models have different repair and replacement costs.
In general, more expensive cars require bigger payouts from insurers—which means bigger insurance premiums for you.
But no matter what model you drive, Jerry can help you secure big savings on your insurance coverage.
Jerry can provide you with competitive quotes from up to 45 insurance companies in under a minute. And swapping is just as effortless. Jerry takes care of all the paperwork, phone, calls, and even cancels your old policy on your behalf—oh, and it’s free!
Jerry customers save an average of $879 a year on car insurance!
If you want to learn more about car insurance costs for some of the most popular makes, check out the links below.
Read more about your model {carMake}
Key Takeaway Your car model affects your insurance rates. The more expensive the car, the more insurance usually costs.

Cost of insuring your Subaru by year

Most and least expensive years of car

While brand new vehicles are exciting to buy and fun to drive, they definitely don’t offer insurance savings. Thanks to depreciation, insurance rates actually tend to be lower for older cars.
According to Edmunds, a new car loses 23.5% of its value in the first year and 60% of its value in the first five years. And the less your car is worth, the less it costs to repair or replace if you need to make a claim. For you, this means insurance savings.
Drivers with newer cars also tend to lease or finance their vehicles and therefore must have full-coverage insurance. You’ll always pay more for full coverage than for just the mandatory minimum insurance required by your state.
According to Jerry’s internal data, the cheapest years for Subaru are 1992 and 1999.
The most expensive years for Subaru are 2019 and 2017.
Year
Before Jerry
After Jerry
2021$1,899$1,036
2020$2,554$1,315
2019$2,006$1,163
2018$2,158$1,155
2017$2,285$1,280
2016$2,005$1,095
2015$2,133$1,144
2014$2,173$1,171
2013$2,121$1,192
2012$1,829$1,067
2011$1,939$973
2010$2,140$1,232
2009$1,911$1,081
2008$2,031$1,246
2007$2,011$1,024
2006$2,234$1,123
2005$1,908$1,185
2004$1,900$1,191
2003$2,032$1,123
2002$1,492$879
2001$1,800$918
2000$3,311$2,161
1999$2,226$600
1998$1,266$629
1997$960$821
1996$3,000$1,448
1995$1,279$817
1992$2,160$1,179
Key Takeaway Since older Subarus typically cost less to repair or replace than newer ones and may not be leased or financed, they tend to have cheaper insurance rates.

Cost of insuring a Subaru in your city

Differences in accident rates, crime rates, and incidences of severe weather mean that your location can have a big impact on your insurance rate. Premiums for Subarus can even vary widely between cities in the same state.
For your insurance company, it’s all about the level of risk they have to take on by covering your vehicle. If your city has lots of car thefts, collisions, or severe weather events, you can expect to pay more for your coverage.
According to our data, there is a high percentage of Subaru drivers in cities including Sacramento (CA), Pittsburgh (PA), Hawthorne (FL), Denver (CO) and Fort Bragg (NC).
The cheapest car insurance for Subaru for Jerry users is in San Clemente (CA) and Winston-Salem (NC).
The most expensive car insurance for Subaru for Jerry users is in Valley Stream (NY) and Manassas (VA).
City
Before Jerry
After Jerry
Sacramento$1,342$962
Pittsburgh$1,951$1,605
Hawthorne
$2,088$1,752
Fort Bragg$2,172$1,555
Denver
$2,156$1,523
Houston$2,021$1,272
Little Ferry
$4,404$1,997
Brandon
$3,648$2,960
Salt Lake City$1,730$1,168
Fort Lee
$2,400$1,545
Key Takeaway If you live in an area that has high rates of theft, collisions, or severe weather events, you can expect to pay more for your car insurance.
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