The Subaru name and logo are out of this world — literally. Derived from the Pleiades star cluster, the logo’s six stars represent the companies that merged to form Subaru’s parent company. 

Subaru both pioneered and standardized all-wheel drive technology long before it became widespread. And beyond performance, Subaru appeals to a diverse range of drivers. 

Those with active lifestyles, outdoor enthusiasts and dog lovers find a strong ally in the brand. Subaru’s commitment to sustainability resonates with environmentally-conscious drivers. Its partnership with the ASPCA and pet-friendly accessories further solidifies its reputation as a socially responsible car brand.

While Subaru vehicles often come with a premium price tag, they offer exceptional value and reliability. Here’s what to know to protect your investment with Subaru car insurance.

How much is car insurance for a Subaru?

Subaru drivers were quoted below-average premiums in 2024 — the average driver was quoted $254, while the average Subaru driver was quoted $217, according to Jerry’s data. The manufacturer’s reputation for safety may be one factor that keeps premiums low.

The Insurance Institute for Highway Safety’s (IIHS) insurance loss data shows that some Subaru models have better-than-average ratings compared to similar vehicles from other manufacturers, meaning insurers are less likely to pay out claims for accidents, repairs or other incidents. For example, the Subaru Legacy 4WD with EyeSight averaged less severe claims than all other four-door midsized cars.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Factors that affect Subaru insurance costs

Here are some of the factors that affect your Subaru insurance premium.

• Personal factors: Your age, driving record, insurance history and level of coverage all influence your premiums.
• Safety features: Subaru’s corporate philosophy involves focusing on safety, with an aim of reducing fatal accidents to zero by 2030 and pioneering driver assisting tools such as EyeSight — the first-ever driver aid that solely relies on stereo cameras. However, older Subarus may not have the safety features of newer Subarus as EyeSight only debuted in the 2013 model year Legacy and Outback cars.
• Vehicle cost: A more complicated and expensive car typically costs more to repair or replace than a simpler, older car. Even the base model Subaru Impreza comes with all-wheel drive and a unique boxer engine, meaning it may cost more to insure than vehicles with simpler designs such as the Toyota Corolla and Honda Accord.
• Safety ratings: The IIHS listed four Subarus as winners on its 2024 Top Safety Pick list. Winners included the Ascent, Impreza, Solterra and Outback. A safer car generally means lower insurance rates.
• Engine size: Bigger or turbocharged engines capable of greater horsepower are considered riskier to insure.

Companies offering the cheapest insurance for Subaru

Make sure to rate shop to get the lowest price for your Subaru’s insurance, and consider whether you need full coverage. Full coverage can pay for your repairs if your Subaru is damaged by collisions, fire, theft, vandalism and weather-related incidents.

Vehicles that are leased or financed typically need full coverage to protect the lender in case the car becomes a total loss before it’s paid off. Aspire Advantage, Progressive and Safeco typically provide the cheapest quotes for Jerry customers driving Subarus.

If your car is a total loss after an accident, full coverage will only compensate you for the vehicle’s actual cash value, which may be less than the loan’s balance. Gap insurance covers the difference and helps you avoid having to pay out of pocket.

However, if your car is fully paid off, you are only required to buy the state-mandated minimum coverage. This excludes collision and comprehensive coverages, which means damage to your vehicle is generally not covered and, unless your state mandates medical payments or personal injury protection coverage, you may not be covered if you’re injured in an accident.

These are the average quotes from various insurers for minimum coverage, based on Jerry’s quote data. AAA, Aspire Advantage and Mercury typically offer the cheapest quotes.

Car insurance for a Subaru Impreza

The cheapest Subaru is the Subaru Impreza, which starts at $23,610 for the base model and comes with all-wheel drive and EyeSight driver assistance technology. The Impreza has won the IIHS’s Top Safety Pick award for 17 consecutive years.

Traditionally, the Impreza had a high-performance WRX configuration until 2015, when the WRX became a separate model. Being the more powerful and more expensive edition, WRX trims tend to cost more, as you can see from Jerry’s data below.

Car insurance for a Subaru Forester

The Forester is a classic choice for drivers seeking a capable SUV on commutes, in the countryside and off-road. The vehicle has a high ground clearance, roof rails for sports equipment and cargo space for groceries. The Forester comes in 10 trim levels, with the base starting at $29,995, and the entry-level hybrid Forester starting at $34,995. The Forester has won the IIHS’s Top Safety Pick award 18 times, and garnered a 2025 Top Safety Pick+ award.

Jerry’s quote data shows that full coverage on a Subaru Forester costs between $100 and $200 per month. The Forester costs less to insure than the Subaru Impreza, despite the Forester’s higher price tag.

Car insurance for a Subaru Outback

The Outback and the Forester are so similar that Subaru has dedicated a page to differentiating them. Both base models come with 2.5-liter engines and all-wheel drive. A key difference is the Outback’s size — it’s about seven inches longer horizontally and about two inches shorter vertically.

The Outback also has an optional 260 horsepower engine that gives it a towing capacity of 3,500 pounds, and its Wilderness trim has a raised suspension that provides 9.5 inches of ground clearance.

Here are the full coverage quotes that Jerry customers have received for Subaru Outbacks.

Car insurance for a Crosstrek

The Crosstrek is a compact SUV that is taller than the Impreza but shorter than the Forester or Outback, making it easier to parallel park. It gets the same fuel economy (34/27 MPG highway/city) as the Impreza, and in the 2026 model year, Subaru is reintroducing a hybrid configuration for the Crosstrek, making city driving more fuel efficient. The hybrid configuration was absent from the 2024 and 2025 model years.

Jerry’s data shows that previous-generation Crosstrek hybrids tend to have the cheapest car insurance, while the Wilderness trim level tends to cost more to insure.

How can I lower the cost of my Subaru car insurance?

Here are several ways you can lower the cost of your Subaru car insurance.

• Avoid buying higher trim tiers: More expensive configurations are likely to cost more to insure. For example, the high-performance Impreza WRX, luxury-tier Outback Touring and off-road Crosstrek Wilderness cost more than lower trim levels, according to Jerry’s Subaru data.
• Rate shop: Despite Subarus winning awards for safety, it’s still a good idea to shop around to get the cheapest quote.
• Available discounts: You may qualify for a bundling, homeowner or good student discount. Ask your insurer.
• Telematics: Letting your insurer track your driving may result in lower premiums for safe drivers.
• Increase deductibles: The deductible is the amount of money you pay before your insurer will pay on a claim. Raising it will lower your premium costs, but you must be able to pay the deductible on short notice.

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS

Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

Annie Millerbernd

Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.