Subaru makes some of the safest and most preferred automobiles in the world. It is known especially for its all-wheel-drive vehicles like the Forester, Outback, Impreza, and Legacy. But if you are considering a new or used Subaru, you’re probably wondering: What are Subaru insurance rates, and are Subarus expensive to insure?

Read on for helpful information about Subaru insurance and what you can expect to pay.

Key Highlights
  • Subaru is ranked #1 in Vehicle Safety, per the American Customer Satisfaction Index, and several models receive Insurance Institute for Highway Safety (IIHS) top safety picks.
  • The national average car insurance premium for all Subaru models combined is $1,573 per year.
  • The Forester is the cheapest 2021 Subaru model to insure at $1,414 per year.
  • Some used Subaru models cost more to insure than new models.

Subaru car insurance average cost

Today, Subaru offers a wide variety of models to choose from, including the Ascent, BRZ, Crosstrek, Forester, Impreza, Legacy, Outback, and WRX.

All of these models are equipped with the car company’s legendary symmetrical all-wheel-drive system, which Subaru claims is better than traditional four-wheel-drive systems because it delivers power with more stability and efficiency to each of the vehicle’s four wheels when you need extra traction – which comes in handy in slippery, muddy, or snowy conditions.

Many Subaru vehicles also come highly rated in terms of safety features and government crash test results. Subaru is ranked #1 in Vehicle Safety, per the American Customer Satisfaction Index, and several models receive Insurance Institute for Highway Safety (IIHS) top safety picks.

Considering all these impressive features, you’re probably curious: What does it cost to insure a typical Subaru vehicle? After all, budgeting for car insurance is a vital part of automobile shopping, and you don’t want to necessarily commit to a vehicle without knowing what you’ll be paying in annual premiums.

The national average car insurance premium for all Subaru models combined is $1,573. This is based on rates for a 40-year-old male who has full insurance coverage.

The least expensive Subaru models to insure in 2021 (based on national average annual rates) are the:

  • Forester – $1,414
  • Crosstrek – $1,432
  • Outback – $1,441

“A driver with more experience and a clean driving history can expect to pay much less in auto insurance for a Subaru than a younger driver with a driving history of accidents and tickets,” notes Lauren McKenzie, independent broker/agent with A Plus Insurance in Sierra Vista, Arizona.

Subaru car insurance cost by model

Drilling further down, there’s a wide gap between Subaru vehicles that are cheapest to insure versus more expensive.

Here’s a quick breakdown:

Average Subaru Car Insurance Rates for 2021
MakeModelModel YearAvg. Nationwide
SubaruAscent2021$ 1,495
SubaruBRZ2021$ 1,854
SubaruCrosstrek2021$ 1,432
SubaruForester2021$ 1,414
SubaruImpreza2021$ 1,509
SubaruLegacy2021$ 1,522
SubaruOutback2021$ 1,441
SubaruWRX2021$ 1,920

“When compared to other top manufacturers, Subaru is, on average, less expensive to insure – assuming you have full coverage in place,” says Jesse McKendry, senior vice president of insurance at Metromile, headquartered in San Francisco. “Subaru’s SUV models usually cost slightly less to insure than its sedan models.”

Subaru Ascent insurance cost

The 2021 Subaru Ascent is the make’s biggest model, boasting spacious seating and a roomy cargo area. It is offered in four trim packages (base, premium, limited, and touring), ranging in price from approximately $33,345 to $46,495.

The 2021 Ascent earned a five-star rating from the National Highway Traffic Safety Administration (NHTSA).

The cost to insure a new Subaru ascent is $1,495, based on national averages. The map below shows what it costs, on average, to insure an Ascent in each state.

Subaru BRZ insurance cost

Subaru discontinued its sporty BRZ model after 2020 but has redesigned it for 2022. The all-new model starts at just under $29,000 and is available in two trim levels: premium and limited. This 2 + 2 hatchback features 228 hp, optional forward-collision warning and automated emergency braking, optional lane-departure warning and lane-keeping assist, and more.

The most recent average annual national premiums paid for the Subaru BRZ were $1,854. The map below shows what it costs, on average, to insure a BRZ in each state.

Subaru Crosstrek insurance cost

Ranked as a quality subcompact SUV, the Subaru Crosstrek starts at around $22,245. It comes in five trim levels, including base, premium, sport, limited, and hybrid. The NHTSA awarded the 2021 Subaru Crosstrek an overall safety rating of five out of five stars, and the IIHS gave it its highest rating of Good in all six crash tests.

Expect to pay around $1,432 to insure a new Subaru Crosstrek, based on national average premiums. The map below shows what it costs, on average, to insure a Crosstrek in each state.

Subaru Forester insurance cost

One of the most popular midsize SUVs on the market, the Forester offers ample passenger space and cargo room, good reliability ratings, and impressive safety ratings – earning five out of five stars from the NHTSA and the highest rating of Good in all six crash tests conducted by the IIHS.

There are five trim packages to choose from, starting at $24,795: base, premium, sport, limited, and touring.

In 2021, the average national annual premium paid to insure a Forester was $1,414, representing the least expensive vehicle to insure among all Subaru offerings.

The map below shows what it costs, on average, to insure a Forester in each state.

Subaru Impreza insurance cost

A compact car with sporty handling, a generously sized cabin for its class, and all-wheel drive (a rarity for this class), the 2021 Impreza garnered five out of five stars from the NHTSA for frontal crash, side crash, and rollover tests, and achieved the IIHS’s highest rating in all six crash tests conducted.

The Impreza features five trim choices: sedan, 5-door, premium sedan, premium 5-door, and sport sedan, with prices starting from an affordable $18,795.

Anticipate paying $1,509 to insure a 2021 Subaru Impreza, according to national average annual premium data.

The map below shows what it costs, on average, to insure an Impreza in each state.

Subaru Legacy insurance cost

The 2021 Subaru Legacy is a midsize car that can be had in six different trim levels: base, premium, sport, limited, limited XT, and touring XT. Retail prices start at $22,895. Among the safety features included are steering responsive lead headlights, passenger seat belt reminder, and a rear-seat reminder.

The NHTSA gave the 2021 Subaru Legacy an overall safety rating of five out of five stars in its frontal crash, side crash, and rollover tests, while the IIHS bestowed its highest rating, Good, in all six of its crash tests.

The national average annual premium paid for a 2021 Subaru Legacy was $1,522. The map below shows what it costs, on average, to insure a Legacy in each state.

Subaru Outback insurance cost

This wagon offers a spacious interior and legroom as well as preferred safety features. The IIHS gave the model its highest safety rating of Good in all six crash categories it tested, and the NHTSA graded this model five out of five stars in frontal and side crash tests and four stars in its rollover test.

The 2021 Outback starts at around $26,795 can be had in six different trim levels: limited, limited XT, onyx edition XT, premium, touring, and touring XT.

You’ll likely pay $1,441 to insure a 2021 Outback, per national average annual premium costs. The map below shows what it costs, on average, to insure an Outback in each state.

Subaru WRX insurance cost

This sports sedan promises impressive handling, four doors, five seats, a 268 hp engine, all-wheel-drive performance, and three trim levels: base, premium, and limited. Starting prices begin at $27,495.

The IIHS awarded the 2021 WRX its Top Safety Pick, bestowing its highest rating of Good in all six crash categories it tests. Meanwhile, the NHTSA graded the WRX’s overall safety five out of five stars in the frontal crash, side crash, and rollover tests it conducts.

Count on forking over $1,920 to insure a 2021 Subaru WRX, using national average annual premium data as a guide.

The map below shows what it costs, on average, to insure a WRX in each state.

Car insurance costs for used Subaru models

Looking for a used Subaru instead of a new model? Here’s what you can likely expect to pay in insurance premiums annually:

Annual Insurance Premiums for Used Subaru Vehicle
2017 - 2020 ModelsInsurance Premium Range
Ascent$ 1,612 - $ 1,753
BRZ$ 1872 - $ 1971
Crosstrek$ 1399 - $ 1540
Forester$ 1426 - $ 1455
Impreza$ 1544 - $ 1596
Legacy$ 1553 - $ 1665
Outback$ 1418 - $ 1497
WRX$ 1995 - $ 2056

How to budget and save on Subaru car insurance

These previously mentioned insurance premium averages serve as a guide – they don’t necessarily indicate what you will pay for auto insurance on a Subaru vehicle. To lower your insurance costs, the experts recommend following best practices.

Shop around for quotes from multiple insurers. Also, investigate group auto insurance that may be available from your employer,” recommends 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 Subaru vehicle.

“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,” suggests McKenzie.

Also, ponder increasing your deductible, which can lower your annual premiums.

“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 adds.

Lastly, “if you are a low-mileage driver, consider pay-per-mile insurance; that way, you only pay for the miles you drive, plus a low base rate” adds McKendry.