Subaru Car Insurance Costs & Cheapest Companies in 2025

Subaru drivers pay an average of $129 per month for car insurance. But some insurers offer cheaper rates depending on your model, coverage choices, and driving profile.

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Mandy Sleight
Written byMandy Sleight
Mandy Sleight
Mandy SleightInsurance Writer

Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.

Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.

Matthew Gross
Edited byMatthew Gross
Matthew Gross headshot
Matthew GrossEditor

Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.

Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.

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Subaru ranks highly for safety and dependability, topping the 2024 American Customer Satisfaction Index and earning excellent ratings from the Insurance Institute for Highway Safety (IIHS) and National Highway Traffic Safety Administration (NHTSA).[1] [2] 

The vehicle’s reputation helps keep insurance costs down, with rates averaging $129 per month compared to the national average for all vehicles of $150 per month. That said, Subaru car insurance rates can vary widely depending on the model you own, your driving record, and your coverage needs. 

Comparing quotes can help you find the cheapest rates for your car. Below, we break down the cheapest insurance companies, how to choose the right coverage, and ways to save on your Subaru auto policy.

Key Takeaways
  • Subaru drivers pay an average of $167 per month for full-coverage car insurance.

  • Travelers, Clearcover, and Nationwide offer the cheapest Subaru car insurance.

  • The Subaru WRX is the most expensive Subaru model to insure, while the Forester is the cheapest.

What You Can Expect to Pay to Insure Your Subaru

The table below lists the average rates by coverage types for the Subaru and how they compare to the national average rates for all vehicles, according to Compare.com data.

Vehicle Type
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Average Monthly Premium: Liability Coverage
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Average Monthly Premium: Full Coverage
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Overall Average for All Policies
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Subaru$90$167$129
All makes$106$194$150
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Subaru drivers generally pay less for auto insurance than drivers of other vehicles. Subaru car insurance costs an average of $129 per month — cheaper than the national average for all vehicles.

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Average Subaru Insurance Costs by Model

Your Subaru model affects your car insurance rates because repair costs, theft rates, and safety features differ by vehicle model.

Coverage type also factors into your insurance costs. Liability policies only cover injuries and damages you cause to others. Full-coverage insurance covers your vehicle too, and you can customize it with extras like roadside assistance and rental reimbursement.

Check out the table below to see a breakdown of average insurance rates for popular Subaru models, according to Compare.com data.

Model
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Average Liability Premium
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Average Full-Coverage Premium
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Ascent$104$192
Crosstrek$92$169
Forester$80$147
Impreza$100$185
Legacy$95$177
Outback$82$151
WRX$139$257
All Subaru models$90$167
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

The Subaru Forester is the cheapest model to insure, averaging $147 per month for full coverage. The Subaru WRX is the most expensive, at $257 per month for full coverage.

Now, let’s take a look at which companies offer the cheapest Subaru car insurance.

The Cheapest Subaru Insurance Companies

No matter the average rates, you can still find ways to save on your Subaru car insurance. Comparing rates and looking for discounts can help you get the coverage you need at the best price.

The companies in the table below offer the cheapest Subaru insurance rates, according to Compare.com data.

Company
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Average Monthly Premium
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Travelers$64
Clearcover$72
Nationwide$76
Safeco$86
Root$90
Progressive$97
Mercury$100
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Travelers has the cheapest Subaru car insurance, averaging just $64 per month. But while these companies may have the cheapest average rates, it doesn’t mean they’ll be the most affordable option for everyone. Rates can vary by insurance company depending on your ZIP code, driving habits, and coverage needs.

Shopping around and comparing multiple insurers is the best way to find the cheapest company for your Subaru model. An insurance-comparison site can help you quickly and easily compare insurance premiums and coverage options.

Next, we’ll highlight some of the top insurance companies for Subaru drivers with different backgrounds and insurance needs.

The Best Insurance Companies for Subaru Drivers

Close-up of a Subaru car logo on the front grille, featuring a blue oval with silver stars.

When it comes to car insurance, there’s no one-size-fits-all choice. The best company for one Subaru driver might not work for another.

We picked the insurers below based on average rates for Subaru models, available discounts, customer reviews, and insurance coverage options. Whether you need affordable basic liability coverage, customizable full coverage, or a solid choice for daily commuting, these companies are great places to start your search.

Mercury: Best for maximum coverage

Compare.com Rating: 4.17 out of 5

Pros
  • Affordable rates

  • Many optional coverages available

  • Offers mechanical breakdown insurance

Cons
  • Fewer discounts than competitors

  • Available in only 11 states

  • Few local agents

Consider Mercury car insurance if you want full coverage for your Subaru. Besides standard options like comprehensive and collision coverage, you can customize your policy with rental reimbursement, roadside assistance, and gap insurance.

Mercury also offers mechanical breakdown insurance, which covers your Subaru’s engine, transmission, and electrical system — coverage most insurers don’t offer.

Travelers: Best for basic coverage

Compare.com Rating: 4.23 out of 5

Pros
  • Cheap Subaru rates

  • Accident forgiveness available

  • Offers many discounts

Cons
  • Below-average claims satisfaction rating[3]

  • Below-average digital experience ranking[4]

  • Several coverages and discounts not available in California

Travelers is a solid pick if you’re looking for minimum-coverage insurance for your Subaru. The company offers some of the lowest average rates and is available nationwide. Even with basic coverage, safe drivers may qualify for the Responsible Driver Plan, which includes accident forgiveness — so one mistake won’t raise your rate.

Travelers has a wide variety of discounts to help keep rates low, including a discount for hybrid Subaru models. You can also get a quote online or through one of its independent agents.

Nationwide: Best for commuters

Compare.com Rating: 4.88 out of 5

Pros
  • Affordable Subaru rates

  • Multiple policy types available

  • Highly rated usage-based insurance program

Cons
  • Below-average digital shopping experience

  • Mixed customer service ratings

  • Fewer discounts than competitors

Nationwide offers a range of policy options to fit your lifestyle. Safe drivers can save money with the company’s SmartRide program, and you could save even more if you have a short commute. The SmartMiles pay-per-mile plan might better fit your budget if you don’t drive often. SmartMiles calculates rates using your mileage, so you’ll pay less if you drive less.

Plus, Nationwide makes it easy to get a quote online or through a local agent.

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Subaru Insurance Rates by State

Where you live plays a big role in what you pay to insure your Subaru. State laws, insurance requirements, traffic density, vehicle theft rates, repair costs, and even the weather all affect premiums.[5]

Check out the map below to see average monthly Subaru insurance premiums in your state, according to Compare.com data.

Subaru Rates by State

State
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Average Monthly Premium
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Alabama$85
Arizona$113
Arkansas$162
California$163
Colorado$133
Connecticut$258
Delaware$157
Florida$166
Georgia$168
Idaho$85
Illinois$106
Indiana$91
Iowa$77
Kansas$104
Kentucky$166
Louisiana$153
Maine$101
Maryland$233
Massachusetts$128
Michigan$199
Minnesota$128
Mississippi$128
Missouri$124
Montana$103
Nebraska$119
Nevada$202
New Hampshire$78
New Jersey$134
New Mexico$98
New York$326
North Carolina$63
North Dakota$98
Ohio$86
Oklahoma$110
Oregon$109
Pennsylvania$111
Rhode Island$97
South Carolina$186
South Dakota$82
Tennessee$96
Texas$151
Utah$123
Vermont$92
Virginia$123
Washington$95
District of Columbia$193
West Virginia$98
Wisconsin$86
Wyoming$82

How to Choose the Right Coverage for Your Subaru

Man with glasses using a laptop at a desk, smiling, with bookshelves and a window in the background.

Finding the cheapest Subaru car insurance is great, but having the right coverage is just as important. The right coverage can protect you from major out-of-pocket costs if you’re in an accident or something damages your Subaru.

Every driver needs state-minimum liability coverage, which pays for damage and injuries you cause to others. But it won’t cover your injuries or damage to your Subaru. Full-coverage insurance includes liability plus collision and comprehensive coverage, which helps pay for repairs to your Subaru after an accident, theft, vandalism, or weather damage.

You can also add medical payments or personal injury protection (PIP) coverage to either policy type, which can cover your and your passengers’ medical expenses. If you live in a state with many uninsured drivers, you should also consider uninsured/underinsured motorist coverage (UM/UIM), which protects you if a driver with little or no liability coverage hits you.

Now that you know what to look for in an insurance policy, let’s dive into a few ways you can save on your Subaru car insurance.

How to Get Cheaper Car Insurance for Your Subaru

Silver Subaru parked on sandy desert terrain with clear blue sky and rolling dunes in the background.

Subaru auto insurance is affordable compared to most vehicles, but the following tips can help you get even cheaper car insurance for your Subaru.

  • Shop for car insurance before buying a Subaru. Car insurance rates can vary significantly by model year. Shopping for car insurance while shopping for your Subaru can help you make sure the final costs fit your budget.

  • Raise your deductible. You can save on full-coverage insurance by increasing your deductible. Just make sure you can afford the cost if you need to file a claim, because you’ll pay more out of pocket.

  • Ask about discounts. Car insurance discounts vary by insurance company. Ask your insurer if it has any discounts you may qualify for.

  • Bundle your policies. Some insurers offer savings if you bundle your auto insurance with another policy. You can save up to 25% on your Subaru car insurance by combining it with your homeowners or renters insurance.

  • Compare quotes regularly. Rates change periodically, so you should check insurance quotes annually or when your policy renews to ensure you still have the lowest rate for your coverage needs.

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Subaru Auto Insurance FAQs

We answered some common questions from Subaru drivers to help you find the right auto insurance policy.

  • How much does it cost to insure a Subaru?

    Subaru car insurance averages $129 per month, according to Compare.com data. Liability-only coverage averages $90 per month, while full-coverage policies cost around $167 per month.

  • Are Subaru cars expensive to insure?

    Not really. Subaru car insurance averages $129 per month, while insurance for other vehicles costs around $150 per month, according to Compare.com data. But your personal rates can vary by your age, driving record, credit history, and your Subaru’s model year.

  • Which Subaru model is cheapest to insure?

    The Subaru Forester is the cheapest model to insure, with an average monthly premium of $80 for liability-only coverage and $147 for full coverage, according to Compare.com data.

  • Does Subaru offer car insurance?

    No. Subaru doesn’t offer car insurance, but the company partners with Liberty Mutual through the Subaru Advantage insurance program. You might save on your auto policy if you get a quote from Liberty Mutual through Subaru.

  • What type of vehicle is the cheapest to insure?

    On average, vans cost about 25% less to insure than cars. Lower-value vehicles also usually cost less to insure, especially with liability-only coverage. But factors like repair costs, safety features, theft rates, and trim level affect car insurance costs.

Methodology

Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.

All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.

Sources

  1. American Customer Satisfaction Index. "ACSI Automobile Study 2024."
  2. Insurance Institute for Highway Safety. "2024 Top Safety Picks."
  3. Jdpower.com. "2024 U.S. Auto Claims Satisfaction Study."
  4. Jdpower.com. "2024 U.S. Insurance Digital Experience Study."
  5. National Association of Insurance Commissioners. "2022 Auto Insurance Database Average Premium Supplement."
About Compare.com

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  • All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
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  • All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Mandy Sleight
Mandy SleightInsurance Writer

Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.

Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.

Matthew Gross
Edited byMatthew GrossEditor
Matthew Gross headshot
Matthew GrossEditor

Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.

Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.

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