If you’re in the market for a new vehicle, you must factor the cost of car insurance into your car budget. Interested in how much car insurance for a Subaru costs? Here’s what you need to know.
According to CarInsurance.com’s rate analysis, the average annual cost for Subaru car insurance is $2,137 or $178 per month. Remember that your specific rates may vary depending on the Subaru model you choose, the model year, your age, your driving history and the insurer.
- The annual average nationwide cost of full coverage car insurance for Subaru is $2,137 per year.
- The Forester 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 can differ significantly based on the make of the vehicle. For instance, car insurance rates vary from one insurance company to another because each company uses its formula to calculate risk and estimate the likelihood of a claim being filed, considering factors such as your driving record, location, age and the type of vehicle you drive.
See how car insurance rates for Subaru vehicles compare among different insurers in the table below.
Cost to insure a Subaru, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Nationwide | $1,655 | $828 | $138 |
| State Farm | $1,745 | $873 | $145 |
| Geico | $1,751 | $876 | $146 |
| Progressive | $2,037 | $1,018 | $170 |
| Allstate | $2,852 | $1,426 | $238 |
| Farmers | $2,901 | $1,451 | $242 |
Subaru average insurance rates, by model
Subaru Forester car insurance cost
The average car insurance premium for Subaru Forester is $168 per month, which translates to $2,013 per year. The most affordable company for a Subaru Forester is Nationwide with a rate of $120 monthly or $1,444 per year.
Subaru Outback car insurance cost
On average, car insurance for a Subaru Outback costs $170 a month or $2,042 per year. Nationwide has the cheapest car insurance cost for a Subaru Outback at $121 per month, equating to $1,448 annually.
Subaru Crosstrek car insurance cost
The average car insurance premium is $172 per month, which adds up to $2,064 each year for a Subaru Crosstrek. State Farm is the cheapest car insurance company, with a monthly rate of $138, which translates to an annual cost of $1,659.
Subaru Impreza car insurance cost
The monthly car insurance cost for a Subaru Impreza is $177, which translates to $2,120 annually. Nationwide tops the list of the most affordable car insurance companies, with an average cost of $1,696 a year or $141 per month.
Subaru Legacy car insurance cost
The average monthly car insurance premium for a Subaru Legacy is $179, which totals $2,148 annually. Nationwide offers the cheapest rate at $129 per month or $1,551 annually.
Subaru Ascent car insurance cost
The average car insurance premium for Subaru Ascent is $181 per month, which translates to $2,172 per year. The most affordable company for a Subaru Ascent is Nationwide with a rate of $137 monthly or $1,649 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.
As drivers gain more experience, car insurance costs usually decrease and remain relatively stable if the driver doesn’t have any tickets, claims or accidents on their record. However, rates tend to rise again after the age of 60. The table below shows how much it costs to insure a Subaru 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 | $7,779 | $3,889 | $648 |
| 18 | Subaru BRZ | $11,333 | $5,666 | $944 |
| 18 | Subaru Crosstrek | $7,397 | $3,699 | $616 |
| 18 | Subaru Forester | $7,188 | $3,594 | $599 |
| 18 | Subaru Impreza | $7,792 | $3,896 | $649 |
| 18 | Subaru Legacy | $7,815 | $3,907 | $651 |
| 18 | Subaru Outback | $7,241 | $3,620 | $603 |
| 18 | Subaru Solterra | $9,982 | $4,991 | $832 |
| 18 | Subaru WRX | $11,433 | $5,717 | $953 |
Cost to insure a Subaru, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Subaru Ascent | $2,172 | $1,086 | $181 |
| 40 | Subaru BRZ | $2,978 | $1,489 | $248 |
| 40 | Subaru Crosstrek | $2,064 | $1,032 | $172 |
| 40 | Subaru Forester | $2,013 | $1,007 | $168 |
| 40 | Subaru Impreza | $2,120 | $1,060 | $177 |
| 40 | Subaru Legacy | $2,148 | $1,074 | $179 |
| 40 | Subaru Outback | $2,042 | $1,021 | $170 |
| 40 | Subaru Solterra | $2,647 | $1,324 | $221 |
| 40 | Subaru WRX | $3,038 | $1,519 | $253 |
Subaru car insurance rates by state
When it comes to car insurance, your location plays a significant role in determining your insurance premiums. Subaru car insurance rates vary significantly from one state to another due to factors such as traffic conditions, accident rates, theft/vandalism, weather events and state-specific insurance laws. Find below Subaru car insurance rates by state.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $1,942 | $971 | $162 |
| Alabama | $2,052 | $1,026 | $171 |
| Arkansas | $2,248 | $1,124 | $187 |
| Arizona | $2,053 | $1,027 | $171 |
| California | $2,585 | $1,292 | $215 |
| Colorado | $2,832 | $1,416 | $236 |
| Connecticut | $2,242 | $1,121 | $187 |
| Washington, D.C. | $2,467 | $1,233 | $206 |
| Delaware | $2,062 | $1,031 | $172 |
| Florida | $2,609 | $1,305 | $217 |
| Georgia | $2,644 | $1,322 | $220 |
| Hawaii | $1,332 | $666 | $111 |
| Iowa | $1,813 | $907 | $151 |
| Idaho | $1,398 | $699 | $117 |
| Illinois | $2,094 | $1,047 | $174 |
| Indiana | $1,905 | $952 | $159 |
| Kansas | $2,250 | $1,125 | $188 |
| Kentucky | $2,660 | $1,330 | $222 |
| Louisiana | $3,458 | $1,729 | $288 |
| Massachusetts | $1,814 | $907 | $151 |
| Maryland | $1,938 | $969 | $161 |
| Maine | $1,488 | $744 | $124 |
| Michigan | $2,792 | $1,396 | $233 |
| Minnesota | $2,356 | $1,178 | $196 |
| Missouri | $2,575 | $1,287 | $215 |
| Mississippi | $2,249 | $1,124 | $187 |
| Montana | $2,297 | $1,149 | $191 |
| North Carolina | $1,739 | $870 | $145 |
| North Dakota | $1,957 | $979 | $163 |
| Nebraska | $2,352 | $1,176 | $196 |
| New Hampshire | $1,550 | $775 | $129 |
| New Jersey | $2,122 | $1,061 | $177 |
| New Mexico | $2,232 | $1,116 | $186 |
| Nevada | $2,066 | $1,033 | $172 |
| New York | $1,524 | $762 | $127 |
| Ohio | $1,543 | $772 | $129 |
| Oklahoma | $2,421 | $1,210 | $202 |
| Oregon | $2,029 | $1,015 | $169 |
| Pennsylvania | $2,252 | $1,126 | $188 |
| Rhode Island | $2,414 | $1,207 | $201 |
| South Carolina | $1,889 | $945 | $157 |
| South Dakota | $2,697 | $1,349 | $225 |
| Tennessee | $2,312 | $1,156 | $193 |
| Texas | $3,038 | $1,519 | $253 |
| Utah | $1,753 | $877 | $146 |
| Virginia | $1,574 | $787 | $131 |
| Vermont | $1,578 | $789 | $132 |
| Washington | $1,860 | $930 | $155 |
| Wisconsin | $1,623 | $812 | $135 |
| West Virginia | $2,018 | $1,009 | $168 |
| Wyoming | $2,224 | $1,112 | $185 |
Average car insurance cost for different vehicle makes
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To find affordable Subaru car insurance rates, you should opt for a family-friendly vehicle like a small SUV. These models usually include advanced safety features, have smaller engines and are driven by people with children in the car. This makes them more cautious drivers, leading to fewer accidents.
Safety features such as airbags, backup cameras, automatic emergency braking and lane departure warnings help to get affordable car insurance premiums. As in years past, minivans and small to midsize SUVs continue to rank among the most affordable vehicles to insure.
Pickups and commercial vans usually cost less to insure than sedans and other vehicles. This is because they aren’t equipped with costly electrical and safety components, making them less expensive to repair.
Cheapest Subaru models to insure
Smaller, less expensive Subaru models that have a low-power engine under the hood are always going to be cheaper to insure than more upscale or sporty models. Entry-level Subaru base models can be very affordable to insure, but your premium will be headed up as you go up the scale when it comes 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, a 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’re looking to cut down on your insurance costs, it’s best to avoid these types of vehicles:
- EVs: The high cost of the large batteries in electric vehicles (EVs) can lead to higher insurance premiums. Since battery packs can be as expensive as $20,000 to replace, insurers include this risk when calculating your rate.
- Luxury and sports cars: Luxury and sports cars represent a higher risk due to their hefty purchase prices. These vehicles are built for speed and are equipped with advanced tech features, making repairs or replacements costly. As a result, insurance for these cars tends to be more expensive.
- Favorites of thieves: Insurance companies closely monitor vehicle theft statistics. If your car is popular among thieves, your insurance premiums will be higher. The National Insurance Crime Bureau (NICB) annually publishes a list of the most stolen vehicles. Choosing a car not on this list can help you maintain lower insurance costs.
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
One way to save money on your Subaru insurance is to make sure that all available discounts are being applied to your policy. Insurers offer a variety of discounts that can dramatically lower your premium.
Discounts may be related to the vehicle you drive or your personal factors. Insurance companies typically offer a discount for a vehicle loaded with advanced safety features such as automated emergency braking, lane departure warning and driver alertness monitor.
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 about Subaru insurance premiums? The insurance rates vary based on the specific model you choose. Since Subaru manufactures various vehicles, the insurance premiums differ accordingly.
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.
Remember to compare apples to apples when it comes to insurance quotes for different vehicle types. A luxury sedan will always cost more to insure than a minivan or mid-size SUV, so when comparing insurance quotes, be sure to compare 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 record is important in determining your Subaru’s insurance premium. Generally, a clean driving history results in lower rates, while incidents such as accidents, speeding violations, or DUI charges can significantly raise your premium.
Does the color of my Subaru affect the insurance premium?
The color of your Subaru does not influence your insurance premium. Insurance companies determine rates based on factors such as the model, age, safety features and driving history, but vehicle color has no impact on the cost.
How does the age of my Subaru affect insurance costs?
The age of your Subaru can affect your insurance costs. Generally, older models may come with lower premiums due to depreciation, although they might lack modern safety features, which can lead to slightly higher rates. In contrast, newer models typically have higher premiums because they are more costly to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed June 2025.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed June 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates for different makes and models. The rates are based on sample profiles of 18 and 40-year-old male drivers carrying full coverage policy with limits of 100/300/100 and a $500 collision and comprehensive deductible.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies across the nation.
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