When buying a new vehicle, factor in the cost of car insurance as part of your overall budget.
On average, Subaru car insurance costs an average of $2,532 a year or $211 monthly, based on CarInsurance.com’s rate analysis. Your exact rates may vary based on the Subaru model you drive, model year, your age, driving history and the insurance company you choose.
- The annual average nationwide cost of full coverage car insurance for Subaru is $2,532 per year.
- The Crosstrek is the cheapest Subaru model to insure.
- Advanced safety features that come standard on Subaru models help lower your insurance costs.
Average cost of car insurance for a Subaru, by company
Car insurance premiums vary greatly depending on the vehicle’s make. For example, insurance rates differ from one insurer to another because companies use different parameters to assess risk and estimate the likelihood of a claim. Insurers consider factors such as your driving history, location, age and the type of vehicle you drive to calculate insurance rates.
The table below shows Subaru car insurance rates by insurance company.
Cost to insure a Subaru, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Travelers | $1,666 | $833 | $139 |
| GEICO | $2,032 | $1,016 | $169 |
| Nationwide | $2,130 | $1,065 | $177 |
| State Farm | $2,154 | $1,077 | $179 |
| Progressive | $2,307 | $1,153 | $192 |
| Allstate | $3,169 | $1,585 | $264 |
| Farmers | $3,714 | $1,857 | $309 |
| USAA | $1,818 | $909 | $151 |
Subaru average insurance rates, by model
Subaru Crosstrek car insurance cost
Car insurance costs $192 per month or $2,299 a year on average for a Subaru Crosstrek, according to CarInsurance.com’s data study. Travelers has the cheapest car insurance rates for Subaru Crosstrek among the companies analyzed. Its average annual cost for a Subaru Crosstrek is $1,472 or $123 per month.
Subaru Outback car insurance cost
The average car insurance premium for Subaru Outback is $194 per month, which translates to $2,322 per year. The most affordable company for a Subaru Outback is Travelers with a rate of $129 monthly or $1,546 per year.
Subaru Forester car insurance cost
For Subaru Forester owners, the average car insurance cost is $198 per month or $2,377 annually. Travelers offers the most affordable insurance premiums with an average annual cost of $1,614 or $135 per month.
Subaru Impreza car insurance cost
The average car insurance premium for Subaru Impreza is $203 per month, which translates to $2,435 per year. The most affordable company for a Subaru Impreza is Travelers with a rate of $142 monthly or $1,703 per year.
Subaru Ascent car insurance cost
The average car insurance premium for Subaru Ascent is $206 per month, which translates to $2,470 per year. The most affordable company for a Subaru Ascent is Travelers with a rate of $123 monthly or $1,481 per year.
Subaru Legacy car insurance cost
The average car insurance premium for Subaru Legacy is $211 per month, which translates to $2,529 per year. The most affordable company for a Subaru Legacy is Travelers with a rate of $147 monthly or $1,763 per year.
Insurance rates by car model
The average cost of car insurance for a Subaru, by age
Subaru car insurance costs will vary depending on your age. When it comes to car insurance, young drivers typically pay much higher rates for coverage than drivers with more experience under their belts.
In 2020, the Insurance Information Institute reported that young drivers represented only 5.1% of licensed drivers but were involved in 8.5% of fatal crashes. This data clearly shows that young drivers are more frequently involved in accidents, resulting in increased claims. Their tendency to engage in riskier driving behaviors compared to older drivers further contributes to the higher insurance rates.
Car insurance costs generally decrease as drivers gain more experience and avoid getting tickets and filing claims. However, when drivers turn 60, insurance rates tend to rise again. The tables below show Subaru insurance costs based on the driver’s age.
Cost to insure a Subaru, by model, for 18-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 18 | Subaru Ascent | $7,888 | $3,944 | $657 |
| 18 | Subaru BRZ | $10,791 | $5,396 | $899 |
| 18 | Subaru Crosstrek | $7,304 | $3,652 | $609 |
| 18 | Subaru Forester | $7,563 | $3,781 | $630 |
| 18 | Subaru Impreza | $7,815 | $3,907 | $651 |
| 18 | Subaru Legacy | $8,130 | $4,065 | $678 |
| 18 | Subaru Outback | $7,362 | $3,681 | $613 |
| 18 | Subaru Solterra | $9,309 | $4,655 | $776 |
| 18 | Subaru WRX | $10,885 | $5,443 | $907 |
Cost to insure a Subaru, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Subaru Ascent | $2,470 | $1,235 | $206 |
| 40 | Subaru BRZ | $3,276 | $1,638 | $273 |
| 40 | Subaru Crosstrek | $2,299 | $1,150 | $192 |
| 40 | Subaru Forester | $2,377 | $1,189 | $198 |
| 40 | Subaru Impreza | $2,435 | $1,217 | $203 |
| 40 | Subaru Legacy | $2,529 | $1,265 | $211 |
| 40 | Subaru Outback | $2,322 | $1,161 | $194 |
| 40 | Subaru Solterra | $2,818 | $1,409 | $235 |
| 40 | Subaru WRX | $3,303 | $1,652 | $275 |
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Subaru car insurance rates by state
Your location significantly impacts your Subaru car insurance premiums. Insurance rates vary widely from state to state due to factors like traffic density, accident statistics, theft/vandalism, weather events and state laws. Below, you’ll find Subaru car insurance rates by state.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,292 | $1,146 | $191 |
| Alabama | $2,174 | $1,087 | $181 |
| Arkansas | $2,898 | $1,449 | $241 |
| Arizona | $2,612 | $1,306 | $218 |
| California | $3,250 | $1,625 | $271 |
| Colorado | $3,018 | $1,509 | $252 |
| Connecticut | $2,886 | $1,443 | $241 |
| Washington, D.C. | $3,150 | $1,575 | $263 |
| Delaware | $2,854 | $1,427 | $238 |
| Florida | $3,013 | $1,507 | $251 |
| Georgia | $2,648 | $1,324 | $221 |
| Hawaii | $1,482 | $741 | $123 |
| Iowa | $2,141 | $1,071 | $178 |
| Idaho | $1,722 | $861 | $143 |
| Illinois | $2,147 | $1,074 | $179 |
| Indiana | $1,757 | $878 | $146 |
| Kansas | $2,393 | $1,197 | $199 |
| Kentucky | $2,854 | $1,427 | $238 |
| Louisiana | $4,334 | $2,167 | $361 |
| Massachusetts | $1,974 | $987 | $165 |
| Maryland | $2,666 | $1,333 | $222 |
| Maine | $1,571 | $785 | $131 |
| Michigan | $3,463 | $1,731 | $289 |
| Minnesota | $2,407 | $1,204 | $201 |
| Missouri | $2,397 | $1,198 | $200 |
| Mississippi | $2,825 | $1,412 | $235 |
| Montana | $2,354 | $1,177 | $196 |
| North Carolina | $2,234 | $1,117 | $186 |
| North Dakota | $2,147 | $1,074 | $179 |
| Nebraska | $2,577 | $1,288 | $215 |
| New Hampshire | $1,646 | $823 | $137 |
| New Jersey | $2,923 | $1,462 | $244 |
| New Mexico | $2,414 | $1,207 | $201 |
| Nevada | $3,452 | $1,726 | $288 |
| New York | $2,720 | $1,360 | $227 |
| Ohio | $1,694 | $847 | $141 |
| Oklahoma | $2,875 | $1,437 | $240 |
| Oregon | $2,255 | $1,128 | $188 |
| Pennsylvania | $2,453 | $1,227 | $204 |
| Rhode Island | $2,673 | $1,337 | $223 |
| South Carolina | $3,008 | $1,504 | $251 |
| South Dakota | $2,764 | $1,382 | $230 |
| Tennessee | $2,142 | $1,071 | $179 |
| Texas | $2,895 | $1,447 | $241 |
| Utah | $2,031 | $1,015 | $169 |
| Virginia | $2,139 | $1,069 | $178 |
| Vermont | $1,651 | $826 | $138 |
| Washington | $2,022 | $1,011 | $169 |
| Wisconsin | $2,367 | $1,184 | $197 |
| West Virginia | $2,244 | $1,122 | $187 |
| Wyoming | $1,899 | $949 | $158 |
Average car insurance cost for different vehicle makes
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When it comes to affordable Subaru car insurance, it’s best to stick to vehicles that are designed with families in mind. These vehicles are typically loaded with advanced safety features, have smaller engines and are usually driven by parents who have kids in the car, so they tend to drive more carefully, which results in fewer accidents.
Airbags, backup cameras, automatic emergency braking and lane departure warning are all safety features that will help keep your insurance premium low. As in years past, minivans and compact to midsize SUVs topped our list of cheapest cars to insure this year.
Pickups and commercial vans also tend to be cheaper to insure than sedans and other vehicle types. They are usually cheaper to repair because the back end of the vehicle is just an empty bed, it doesn’t have seating or other expensive electrical and safety components. Cheaper repairs result in cheaper insurance.
Cheapest Subaru models to insure
Opting for smaller, less costly Subaru models with modest engines can result in lower insurance costs than choosing sportier or upscale models. Base versions tend to be the most affordable to insure, but premiums increase as you upgrade to higher-level trims.
Choosing family-friendly models with robust safety features can help lower your insurance costs. Advanced safety technologies like automatic emergency braking, a backup camera and blind spot detection often lead to premium discounts.
“If you are a younger driver, you will probably pay more for auto insurance, so you may need to consider practicality versus style,” says Lauren McKenzie, senior agent with A Plus Insurance. “If you are younger and choose a fast, luxurious sports car, your monthly insurance payments could end up being more than your monthly auto loan payments.”
Most expensive Subaru models to insure
When it comes to insurance costs, luxury vehicles, sports cars and SUVs are often the most expensive. Sports cars and luxury models have higher rates because they’re more frequently targeted by thieves and have high repair costs. SUVs, especially the larger models, come with higher premiums due to their potential to cause more extensive damage in accidents.
If you are hoping to keep your insurance bill low, avoid these types of vehicles:
- EVs: EVs have large, very expensive batteries under the hood which makes them expensive to insure. Battery packs can cost up to $20,000 to replace, so insurers factor that risk into your rate.
- Luxury and sports cars: A big engine is always a red flag for insurers as is a sky-high sticker price. Luxury and sports cars come with a big sticker price, are fast, and filled with exotic trims and technology, all of which make them very costly to repair or replace if you file a claim which is why they are super expensive to insure.
- Favorites of thieves: Insurers keep a close eye on statistics, and if your vehicle is a favorite with car thieves, you will pay more for coverage. The National Insurance Crime Bureau (NICB) releases a list every year of hot cars with thieves so avoid those vehicles to keep your premium low.
How to save on car insurance for a Subaru
“Shop around for quotes from multiple insurers. Also, investigate group auto insurance that may be available from your employer,” says Brian Martucci, finance editor for Minneapolis-based Money Crashers.
Additionally, drop insurance coverage you don’t need, especially if you want to purchase an older vehicle model.
“You can shift money from one type of coverage to additional coverage on the uninsured motorist property damage coverage, for example. This way, so long as you are not the one at fault in an accident, your vehicle will be covered and you will save a lot of money on car insurance,” McKenzie says.
Before committing to a vehicle, estimate your car insurance costs and shop for the best value. Compare quotes from different insurance companies carefully.
“If your car insurance payments are still on the higher end, consider choosing a higher deductible, such as $1,000 instead of a $500 deductible – which will lower your premium,” McKenzie says. “Also, consider leaving off additional coverages like rental reimbursement or roadside assistance, which may save you money, too.”
Subaru discounts on car insurance
To reduce the cost of your Subaru insurance, ensure that you take advantage of all available discounts. Insurance companies offer a range of discounts that can significantly lower your premiums.
You might be eligible for discounts related to your vehicle or personal factors. Insurance companies typically reduce rates for vehicles equipped with advanced safety features such as automated emergency braking, lane departure warning systems and driver alertness monitors.
In addition, you may be able to save a bit of coin by having an anti-theft device installed or driving a brand-new car as some insurers offer a new car discount.
Discounts related to your personal factors can include major discounts such as being a good driver or a good student (if you have a teen on your policy).
“You may also qualify for a low-mileage discount by driving less and by bundling multiple policies, like home and auto, with the same carrier,” Martucci says.
Learn about common car insurance discounts for an overview of the most common savings for Subaru auto insurance.
How does a car’s make affect car insurance rates?
Curious how much is Subaru insurance? It will depend on which model you choose. Subaru builds a variety of different vehicles and the cost to insure them will vary depending on the vehicle type.
Smaller SUVs and minivans are among the least expensive vehicles to insure, while luxury models and sporty sedans come with higher insurance costs. Pickup trucks generally fall on the more affordable side of insurance rates-unless you opt for luxury trim levels.
Insurance companies accumulate excessive statistical data, revealing that family-friendly vehicles-like SUVs and minivans-are involved in fewer accidents and file fewer claims than sedans and sports cars. This is one reason why they are cheaper to insure. Additionally, luxury vehicles and sports cars are equipped with expensive materials and advanced technology, which drives up repair costs and, as a result, increases insurance premiums.
Make sure you compare car insurance quotes apples to apples for different types of vehicles. A luxury sedan typically costs more to insure than a minivan or mid-size SUV. To make an informed decision, make sure you compare quotes for the same vehicle types and coverage limits.
This advice also applies when comparing vehicles from different manufacturers. A luxury German sedan, like a BMW or Mercedes, will generally cost more to insure than a minivan or compact vehicle from another brand. Therefore, always compare similar vehicle types and trim levels when shopping for a new vehicle or insurance policy.
Check out car insurance rates by model: Compare rates for over 3,000 models
About the company: Subaru
Subaru is known for its commitment to safety, durability and innovative design. The brand stands out for its unique Symmetrical All-Wheel Drive system, standard in the majority of Subaru vehicles, ensuring stability and an efficient distribution of power for maximum traction.
Final thoughts on Subaru insurance costs
Subaru makes a variety of different models and the cost to insure them will vary based on a number of factors. Choosing entry-level vehicles with a low starting price, smaller engine under the hood and plenty of safety features will help keep your premium affordable while more luxury and sporty models will push up the cost of coverage.
No matter which Subaru model you choose, you can save money on your insurance by regularly comparing your coverage options, inquiring about available discounts and opting for the highest deductible.
Frequently asked questions
Does my driving record impact how much I pay to insure my Subaru?
Your driving history is one of the many factors affecting your Subaru car insurance premiums. Maintaining a clean record typically results in lower premiums, but if you’ve had accidents, speeding infractions, or DUI convictions, you may face significantly higher rates.
Does the color of my Subaru affect the insurance premium?
The color of your Subaru does not impact your insurance premium. Insurers calculate rates based on factors such as the vehicle’s model, age, safety features and driving record.
How does the age of my Subaru affect insurance costs?
Your Subaru’s age can affect your insurance costs. Older models often benefit from lower premiums because they depreciate in value, but they lack the latest safety features and it may lead to a slight increase in rates. On the other hand, newer models tend to have higher premiums, as they are more expensive to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed March 2026.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed March 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 18 and 40-year-old male drivers carrying full coverage policies with limits of 100/300/100 and 0 collision and comprehensive deductibles. Read the detailed methodology for more information.
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