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.
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:
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 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 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 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 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 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 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 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 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 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?
Avg. Annual Premium
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:
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.
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.
Cost of insuring popular models
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.
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.
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).