Best Car Insurance for Subaru 2022

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Car Insurance for Subaru

On average, Subaru drivers pay ${annualpremium} each year for car insurance. But depending on the model you have, your insurance rates could vary. A Outback Touring costs $1,590 less more per year to insure than a Forester Limited.
First founded in the 1950s, Subaru is a Japanese automotive manufacturer known for its use of a boxer engine layout and Symmetrical All-Wheel-Drive system. The brand is still well-loved today for its signature engine, rough-road capabilities, and affordable sports car designs.
If you do choose to purchase a Subaru, you’ll want to make sure you have the appropriate auto insurance.
The Jerry app is a fantastic place to start if you want to save money on car insurance. Jerry will get you estimates from over 50 leading insurance companies in under 45 seconds, ensuring that you always get the best price for the coverage you require.
Here are some real quotes from Jerry customers who saved money when insuring their Subaru.
Quote DateCarCity, StateZip CodeAgeCarrier
Before Jerry
After Jerry
February 2, 2021Subaru Legacy Outback AwpLittleton, CO8012334Kemper$160/mo.$62/mo.
January 21, 2021Subaru WRX LimitedFairfax, VA2203027Travelers$117/mo.$76/mo.
August 4, 2021Subaru Impreza SportBellevue, NE6814726Progressive$193/mo.$110/mo.
June 17, 2021Subaru Forester SportAnderson, CA9600726Progressive$164/mo.$122/mo.
April 1, 2021Subaru Legacy SportAppleton, WI5491123Nationwide$165/mo.$134/mo.
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Insurance for Subaru models

Subaru insurance costs vary significantly depending on the car’s age and model, even if they all have the same make.

Insurance for Subaru based on the year of the 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.
Moreover, drivers who own newer automobiles are more likely to lease or finance their vehicles, necessitating the purchase of full-coverage insurance. You’ll always pay more for full coverage than for the bare minimum coverage required by your state.
According to Jerry’s internal data, the cheapest years for Subarus are 1995 and 1999.
The most expensive years for Subarus are 2019 and 2008.
Year
Average Cost
Annual Savings with Jerry
2022$2,251$812Compare Prices
2021$2,415$752Compare Prices
2020$3,427$1,656Compare Prices
2019$3,633$1,270Compare Prices
2018$2,620$765Compare Prices
2017$2,925$793Compare Prices
2016$2,900$963Compare Prices
2015$2,853$730Compare Prices
2014$2,939$1,077Compare Prices
2013$2,863$1,047Compare Prices
2012$2,778$1,109Compare Prices
2011$2,481$765Compare Prices
2010$2,966$1,215Compare Prices
2009$2,447$713Compare Prices
2008$3,231$973Compare Prices
2007$5,408$3,739Compare Prices
2006$2,203$947Compare Prices
2005$2,103$823Compare Prices
2004$2,462$816Compare Prices
2003$2,391$844Compare Prices
2002$2,368$851Compare Prices
2001$2,345$924Compare Prices
2000$3,269$1,221Compare Prices
1999$1,433$452Compare Prices
1998$2,117$830Compare Prices
1997$1,568$352Compare Prices
1996$2,400$1,144Compare Prices
1995$864$36Compare Prices
1993$1,920$387Compare Prices
Key Takeaway Older Subarus are less expensive to repair or replace than newer ones, and because they are not leased or financed, insurance costs are usually lower.
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Insurance for different models of Subaru

The type of Subaru you own, believe it or not, can have a significant impact on your insurance rate. This is because starting price points, safety ratings, and repair and replacement costs vary by model.
More expensive cars, in general, necessitate larger payouts from insurers, which implies higher insurance prices for you.
As one of the largest models in their lineup, the Ascent will be one of the most expensive Subarus to insure thanks to its size and steeper repair prices.
Comparatively, a subcompact car like the Crosstek will be on the cheaper end to insure due to its lower overall costs.
If you want to learn more about car insurance costs for some of the most popular Subaru models, check out the links below.
Key Takeaway The model of your vehicle has an impact on your insurance rates. When a car is more expensive, insurance usually costs more.
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Full coverage vs. minimum coverage for your Subaru

Most states require you to carry minimum liability coverage before you hit the road. Liability insurance covers the expenses of other drivers and their property if you are at fault in an accident.
Minimum coverages typically include:
Coverage typeProtection offered
Bodily injury liability (per person and 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 the damage you cause to other people’s vehicles or property
Uninsured or underinsured motorist protection might also be mandatory to cover damages if you’re in an accident with an uninsured or underinsured driver.
Your state may also require personal injury protection (PIP) to pay for your medical expenses—which is especially useful if you live in a no-fault state.
It’s usually a good idea to purchase additional coverage beyond the minimum requirements if you can afford it. Even a minor collision can cost tens of thousands of dollars in property damage and medical claims. If you’re at blame but don’t have enough coverage, you’ll have to pay for the damages out of pocket.
Full coverage insurance typically includes:
Coverage typeProtection offered
Collision coverageCovers the costs associated with collisions with another vehicle or object
Comprehensive coverageCovers costs of damages from an event other than a collision, like a weather event, theft, or vandalism.
The average annual insurance premium for a Subaru is $1,611 per year for minimum car insurance and $2,372 for full-coverage insurance. When you consider all makes and models, the average insurance premium in the US is $1,764 per year for minimum car insurance and $2,486 for full-coverage insurance.
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$2,037$1,394$1,844$1,090$1,861$1,374
Subaru
All Coverage Before Jerry
$2,037
All Coverage After Jerry
$1,394
Minimum Coverage Before Jerry
$1,844
Minimum Coverage After Jerry
$1,090
Full Coverage Before Jerry
$1,861
Full Coverage After Jerry
$1,374
Insurance will be more expensive for a costlier vehicle, as it is for most manufacturers. Subarus have insurance rates that are comparable to, if not lower than, similar brands like Nissan and Hyundai. If you’re comparing the prices of insurance for similar cars, here are the insurance costs for other brands:
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What impacts your insurance costs for Subaru

While certain fundamental insurance pricing is determined by the car’s model, age, and kind of coverage, insurance companies will also consider your demographics and other variables when determining your rates.

The model of Subaru you drive

As mentioned above, opting for a sedan, like the Crosstek will keep your insurance premiums lower than choosing a larger SUV like the Ascent.
The way you customize your model—or the trim level you select—can affect how much you have to pay each month even more.
For example, here’s what insurance you might want to consider for a Forester.
TrimFeaturesRecommended coverageReason for coverage
Forester BaseThe base model of the Forester features a 2.5-liter four-cylinder engine, 17-inch steel wheels, and Subaru’s Starlink app suite.Towing and Labor coverageTowing and labor coverage will protect you if your Subaru ever breaks down on the road.
Forester TouringThe top-of-the-line trim includes a standard driver monitoring system, heated steering wheel, and premium audio system.[Sound system coverage] (https://getjerry.com/car-insurance/sound-system-insurance)Sound system coverage will protect you if your upgraded audio equipment ends up stolen.

Your insurance company

Since every insurance company determines premiums a little differently, you’re likely to get many different price options. While the cheapest option might be tempting, it’s important to remember that cheaper isn’t always better.
To find the best policy and premium, you’ll want to compare quotes from several different insurers.
But if you’ve ever had to fill out car insurance forms and comparison shop by yourself, then you know how 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?
Here’s what Subaru drivers paid for car insurance before and after switching with Jerry:
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Your age

When it comes to determining your insurance premiums, one of the most important elements that insurers consider is your age.
Younger drivers are more prone to accidents and will have higher insurance premiums. Older, more experienced drivers, on the other hand, should pay lower rates because they are less of a high-risk driver.

Your driving record

Insurance companies also take traffic violations into account when deciding costs.
If you have a small speeding ticket or a failure to stop on your record, your insurance costs may increase somewhat. The most serious offenses, including DUI and reckless driving, have a far bigger influence on your rates and can last for years on your record.
Fortunately, if you modify your driving habits and have a clean driving record in the future, your rates are likely to decrease.
Here are some common insurance premiums for Subaru drivers with previous infractions:
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Where you live

Your location may have a significant impact on your insurance costs since different areas have different accident rates, crime rates, and natural disaster incidences. Premiums for Subaru vehicles might vary dramatically even within the same state.
It all comes down to how much risk your insurance company is prepared to take on to insure your vehicle. If your city has a lot of car thefts, collisions, or extreme weather events, you should expect to pay more for your insurance.
According to our data, there is a high percentage of Subaru drivers in cities including Denver (CO), Maidens (VA), Sacramento (CA), Brandon (FL) and Pittsburgh (PA).
The cheapest car insurance for Subaru for Jerry users is in Arlington (VA) and Champaign (IL).
The most expensive car insurance for Subaru for Jerry users is in Manassas (VA) and Queens (NY).
Regardless of where you live, your demographics, or the Subaru model you drive, Jerry can help you get the best prices on car insurance.
If you want cheap car insurance quotes fast, go to Jerry. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and will even help you cancel your old policy.

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