How Much Does Subaru Car Insurance Cost?
The average monthly insurance cost for a Subaru is $180, which adds up to about $2,164 per year.
We’ve saved shoppers an average of $600 per year on their car insurance.
The cost of insuring a Subaru varies based on several factors, including your age, driving history, and where you live car insurance Insurance companies use this information to evaluate the risk of covering your Subaru and determine your premium.
Insurance Cost Per Subaru Model
| Subaru Model | Average Yearly Insurance Cost |
| Subaru Ascent | $2,421 |
| Subaru BRZ | $2,556 |
| Subaru Crosstrek | $1,895 |
| Subaru Forester | $1,950 |
| Subaru Impreza | $1,935 |
| Subaru Legacy | $2,053 |
| Subaru Outback | $1,878 |
| Subaru WRX | $2,623 |
Keep in mind that these numbers are averages, and the actual cost may vary based on where you live, your age, your driving record, and the type of coverage you select.
Subaru Car Insurance Cost – By Company
| Insurance Provider | Average Monthly Premium |
| USAA | $100 |
| GEICO | $116 |
| Nationwide | $119 |
| State Farm | $120 |
| Liberty Mutual | $137 |
| Progressive | $139 |
| Allstate | $148 |
Subaru Car Insurance Cost – By U.S. State
| State | Average Annual Rate |
| Alabama | $2,306 |
| Alaska | $1,887 |
| Arizona | $2,138 |
| Arkansas | $2,356 |
| California | $2,610 |
| Colorado | $2,445 |
| Connecticut | $3,125 |
| Delaware | $2,572 |
| Florida | $3,067 |
| Hawaii | $1,010 |
| Idaho | $1,735 |
| Illinois | $1,817 |
| Indiana | $1,863 |
| Iowa | $1,490 |
| Kansas | $1,967 |
| Kentucky | $2,858 |
| Louisiana | $3,652 |
| Maine | $1,378 |
| Maryland | $2,249 |
| Massachusetts | $1,802 |
| Michigan | $4,341 |
| Minnesota | $1,790 |
| Mississippi | $2,146 |
| Missouri | $2,038 |
| Montana | $2,069 |
| Nebraska | $1,751 |
| Nevada | $2,881 |
| New Hampshire | $1,992 |
| New Jersey | $2,198 |
| New Mexico | $2,262 |
| New York | $2,091 |
| North Carolina | $1,280 |
| North Dakota | $1,763 |
| Ohio | $1,583 |
| Oklahoma | $2,525 |
| Oregon | $2,284 |
| Pennsylvania | $1,936 |
| Rhode Island | $3,211 |
| South Carolina | $2,178 |
| South Dakota | $1,971 |
| Tennessee | $2,315 |
| Texas | $2,331 |
| Utah | $1,970 |
| Vermont | $1,529 |
| Virginia | $1,423 |
| Washington | $1,889 |
| West Virginia | $1,906 |
| Wisconsin | $1,913 |
| Wyoming | $1,783 |
| Georgia | $2,499 |
How To Save Money On Subaru Car Insurance?
Owning a Subaru involves several costs, with car insurance being one of the largest. However, there are still ways to save on your insurance. Here’s how:
1. Maintain a Clean Driving Record
Insurance companies consider your driving history when setting your premium. By staying accident-free and avoiding traffic tickets, you demonstrate to insurers that you’re a low-risk driver, which can help reduce your insurance costs.
2. Bundle Your Policies
Many insurance companies provide discounts if you bundle multiple policies, such as home and auto insurance. This not only makes managing your insurance easier but also helps you save money on your premiums.
3. Raise Your Deductible
Raising your deductible—the amount you pay yourself before your insurance starts covering costs—can reduce your premium. Just make sure you can afford the higher deductible if you have an accident.
4. Install Safety Features
Subaru vehicles have many built-in safety features, but adding extras like anti-theft devices can help lower your insurance costs even more by reducing the risk of theft and damage.
5. Take Advantage of Discounts
Insurance companies frequently provide discounts for factors such as being a good student, maintaining a clean driving record, or taking a defensive driving course. Check with your insurer to see if you qualify for any of these discounts.
6. Shop Around
Insurance premiums can differ significantly among various providers. It’s essential to compare quotes and select the insurer that gives you the best value for your needs.
7. Consider Usage-Based Insurance
If you don’t drive your Subaru very often, consider usage-based insurance. This type of policy sets your premium based on how much you drive, which could save you money if your Subaru isn’t your primary vehicle.
