Subaru Car Insurance Quotes in 2026

USAA offers the cheapest Subaru car insurance, averaging just $66 per month.

Secure. Free. Easy-to-use.
4.6 / 5820 reviews
Been here before? Get your quotes back.
Mandy Sleight
Writer: 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.

Nick Versaw
Editor: Nick VersawSenior Managing Editor

Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.

Katie Powers headshot
Reviewer: Katie PowersLicensed P&C Agent and Insurance Editor

Qualifications:
  • Licensed auto and home insurance agent

  • 4+ years of experience in insurance and personal finance editing

  • NPN: 20564519


Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Updated

Why You Can Trust Compare.com: At Compare.com, it’s our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.
Key Takeaways
  • Subaru insurance rates average $127 per month, about 9% lower than the national average of $140.

  • USAA, State Farm, and Allstate offer some of the cheapest car insurance costs for Subaru drivers.

  • Of the most popular Subaru models, the Outback is the cheapest to insure, while the WRX is the most expensive.

The Cheapest Car Insurance Companies for a Subaru

Auto insurance rates can vary widely between car insurance companies, even for the same Subaru model and driver profile. Each insurer uses its own pricing formula, weighing factors like age, driving history, and location differently.[1] That’s why it’s important to comparison shop. The cheapest insurer for one Subaru driver may not be the cheapest for another.

The table below shows average monthly insurance costs from the cheapest companies for Subaru vehicles, according to Compare.com data.

Company
Average Monthly Premium
USAA$66
State Farm$73
Allstate$93
American Family$99
GEICO$102
AAA$112
Nationwide$120
Progressive$123
Travelers$126
Farmers$142
Liberty Mutual$170
Amica$320
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .

Subaru insurance rates with companies like USAA, State Farm, and Allstate are about 27% lower than the average cost for all models.

Now, let’s take a look at how the average cost of Subaru car insurance differs by model.

Find Cheap Car Insurance for Your Subaru

Comparing quotes can save you up to $867.

Excellent
4.6 out of 5 based on 820 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

Car Insurance Costs for Top Subaru Models

Subaru vehicles are widely recognized for their safety, long-term dependability, and strong resale value. All-wheel drive, standard on most models (except the Subaru BRZ), and advanced safety features help keep car insurance costs low. Subaru also offers a generous warranty and earns high marks for customer satisfaction, making it an affordable choice for many drivers.

Check out the average liability and full-coverage insurance premiums for the bestselling Subaru models of 2025.

Model
Average Liability Premium
Average Full-Coverage Premium
Crosstrek$92$166
Forester$89$148
Outback$88$146
Ascent$103$194
Legacy$94$179
WRX$113$239
BRZ$112$259
All Subaru models$93$160
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .

Subaru Crosstrek

  • Average Subaru Crosstrek liability premium: $92per month

  • Average Subaru Crosstrek full-coverage premium: $166 per month

  • 2026 Subaru Crosstrek MSRP: Starting at $26,995

The Crosstrek is Subaru’s most affordable SUV. The compact crossover SUV is available in gas, hybrid, or wilderness packages, which include off-road upgrades like higher ground clearance and increased towing capacity. With seven different trim levels to choose from, the Subaru Crosstrek is a great non-luxury choice for small families and daily commuters.

Here’s a look at average monthly premiums for the Crosstrek Subaru owners, according to Compare.com data.

Company
Average Monthly Premium
State Farm$76
Allstate$97
American Family$103
GEICO$106
AAA$116
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .

Subaru Forester

  • Average Subaru Forester liability premium: $89 per month

  • Average Subaru Forester full-coverage premium: $148 per month

  • 2026 Subaru Forester MSRP: Starting at $29,995

The compact SUV Forester also comes in gas, hybrid, or wilderness packages, offering more legroom than the Crosstrek and the electric compact crossover Solterra. Its affordable price tag, family-friendly features, and above-average safety ratings help keep car insurance rates low, making it a great fit for large families, pet owners, and outdoor lovers.

The table breaks down average Subaru insurance costs for the Forester, based on data from Compare.com.

Company
Average Monthly Premium
State Farm$67
Allstate$86
American Family$92
GEICO$94
AAA$103
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .

Subaru Outback

  • Average Subaru Outback liability premium: $88 per month

  • Average Subaru Outback full-coverage premium: $146 per month

  • 2026 Subaru Outback MSRP: Starting at $34,995

If you need more cargo room and ground clearance, the mid-size SUV Subaru Outback may be the right fit. The Outback’s advanced safety tech and off-road capabilities have made it a popular choice for over 30 years. Its strong safety technology and moderate price point help keep insurance costs slightly below the Subaru brand average.

Below are the cheapest average rates for a Subaru Outback car insurance policy, according to Compare.com data. 

Company
Average Monthly Premium
State Farm$67
Allstate$85
American Family$91
GEICO$93
AAA$102
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .

The Best Insurance Companies for Subaru Drivers

No single insurer is the best company for every Subaru driver. The right insurer depends on factors like your age, driving history, coverage needs, and budget. We selected the following companies as top picks based on a mix of average Subaru rates, available discounts, coverage options, and customer ratings and reviews.

Here’s why they stand out for young drivers, high-risk drivers, and people who need maximum coverage for their Subaru.

J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
665
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$45/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$89/mo
Details
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.44
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

COUNTRY Financial offers some of the cheapest average rates for teens and young drivers. You can save even more with discounts for completing a driver safety course, driver training, earning good grades, or enrolling in its usage-based program, DriverIQ. The legacy discount also lets parents pass down multi-policy and multi-car savings to eligible drivers younger than 25.

Pros
  • Affordable Subaru rates

  • Many discounts available

Cons
  • Available in only 19 states

  • Doesn’t offer gap insurance

User Reviews
4.3
Our Rating
Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components.
4.1 /5
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$48/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$88/mo
Details
4.3
Best choiceBased on 14 verified guest reviews and ratings
Auto-Owners Insurance's score
Industry average
Coverage options3.73.2
Customer service3.73.6
Discounts3.42.9
Policy transparency3.83.1
Value3.52.9
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

If you have a less-than-perfect driving record, consider getting a car insurance quote from Auto-Owners. Though it doesn’t offer online quotes, you can connect with a local independent agent who can help you tailor your coverage to your specific needs. Add-on coverages like gap insurance, diminished value, common loss deductible, and accident forgiveness are available.

Pros
  • Competitive high-risk premiums

  • Customizable policy options

Cons
  • Limited online and mobile tools

  • Must call for a quote

J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622
Our Rating
Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components.
4.3 /5
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$78/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$130/mo
Details
How drivers feel about Progressive

Customers appreciate the initial affordability and claim handling but dislike the frequent and unexplained rate increases, as well as the poor customer service.

AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 386 Progressive reviews
Paul
Verified Review
Not Quite Happy, Almost but Not Quite
I’ve had no problems so far, but it’s $10 to $20 more per month than most of the others I’ve seen.
Tracey
Verified Review
An Unaffordable Nightmare
Huge price jump with no claims on the policy.
Paula
Verified Review
Progressive Is Just Fine; the Situation Is Unfortunate
I just switched from Progressive to Travelers because they offered such a low rate for homeowners insurance. But I couldn’t get Travelers homeowners insurance without bundling my auto insurance, so that’s the only reason I stopped using Progressive.
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

If you have a modified Subaru or rideshare, Progressive may be a good fit. It offers custom parts, trip interruption, rideshare, pet injury, vehicle protection, and loan/lease payoff coverages to customize your policy to your specific needs. Safe drivers can also bank deductible savings every policy period where you don’t file a claim.

Pros
  • Many optional coverages available

  • Highly-rated mobile app

Cons
  • Discount eligibility varies

  • Below-average claims satisfaction

Average Cost of Subaru Car Insurance by State

Where you live can significantly affect your Subaru insurance rates. Factors like local accident and theft rates, traffic density, vehicle repair costs, and state insurance laws all play a role in how much you pay.[2] Subaru drivers in urban areas or states with higher claims rates often pay more. You’ll usually find cheaper insurance coverage in more rural locations.

The map below shows how average Subaru insurance premiums vary across the country, according to Compare.com data.

Subaru Rates by State

State
Average Monthly Premium
Alabama$105
Arizona$112
Arkansas$121
California$136
Colorado$136
Connecticut$189
Delaware$159
Florida$148
Georgia$169
Hawaii$84
Idaho$70
Illinois$105
Indiana$87
Iowa$71
Kansas$99
Kentucky$131
Louisiana$142
Maine$93
Maryland$202
Massachusetts$100
Michigan$153
Minnesota$115
Mississippi$100
Missouri$121
Montana$99
Nebraska$96
Nevada$168
New Hampshire$58
New Jersey$179
New Mexico$96
New York$146
North Carolina$59
North Dakota$78
Ohio$82
Oklahoma$114
Oregon$101
Pennsylvania$107
Rhode Island$146
South Carolina$162
South Dakota$92
Tennessee$95
Texas$146
Utah$100
Vermont$95
Virginia$119
Washington$113
District of Columbia$209
West Virginia$98
Wisconsin$80
Wyoming$75

Average Cost of Subaru Car Insurance by Age

Driver age is a major factor in determining Subaru insurance costs. Experience, risk behavior, and accident statistics vary widely across age groups. Young drivers, especially those younger than 25, usually pay more because they’re more likely to get tickets and get into accidents.[3] Older, more experienced Subaru drivers often qualify for lower rates thanks to years of safe driving.

Check out the table below to see how age affects Subaru car insurance costs, based on Compare.com data.

Age Group
Average Monthly Premium
Drivers younger than 25$244
Adult drivers$127
Senior drivers$109
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .

Average Cost of Subaru Car Insurance by Driving Record

Insurers use your driving record to assess your risk based on past behavior. Drivers with at-fault accidents, speeding tickets, or driving under the influence (DUI) convictions are at a higher risk of filing a claim, which usually means paying more for Subaru car insurance. But a clean driving record can qualify you for safe driving discounts and lower monthly premiums.

The table below shows how insurance premiums for Subaru vehicles vary depending on driving history, based on Compare.com data.

Driving Record
Average Monthly Premium
Clean record$127
Speeding ticket$170
At-fault accident$182
DUI$213
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .

Compare Subaru Car Insurance Quotes

See quotes from top insurers in minutes.

Excellent
4.6 out of 5 based on 820 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

Other Factors That Affect Subaru Car Insurance Rates

Red sports car parked by a waterfront with a bridge stretching across the horizon in the background.

How much you pay to insure your Subaru isn’t just about your age, location, or how you drive. Vehicle factors such as model year, safety features, repair costs, and even trim level affect your monthly rate.

Here’s a closer look at other factors affecting Subaru car insurance costs.

Subaru safety ratings

Subarus are one of the safest brands out there, with most models earning top crash-test scores, from the basic Subaru Legacy and Impreza to the sporty Subaru WRX. Standard safety features like EyeSight Driver Assist and the DriverFocus Distraction Mitigation System reduce the risk and severity of accidents and bodily injury, helping keep insurance premiums more affordable.

Subaru repair and replacement costs

Repair costs can make a noticeable difference in insurance rates. Basic and popular models like the Subaru Impreza, Legacy, and Crosstrek tend to be easier and cheaper to repair since replacement parts are widely available in the U.S.

More expensive and electric models — like the Ascent, Solterra, and WRX — can be pricier to source parts for and repair, so premiums may be higher.

Subaru trim levels

Trim levels also affect insurance premiums. A base model Subaru will usually cost less to insure than a fully loaded version with leather seats and comfort or performance upgrades. More expensive interior materials, heated seats, dual climate control, and other premium features drive up repair costs, which in turn raise insurance rates.

Car Insurance Coverages to Consider for Your Subaru

Close-up of a Subaru steering wheel with control buttons visible, showcasing the brand logo in the center.

Whether you’re getting a new vehicle or insuring an old Subaru, consider adding these coverages to your insurance policy:

  • New car replacement: This coverage pays to replace your vehicle with a brand-new model of the same year if it’s totaled within a certain time frame after buying your Subaru.

  • Roadside assistance: You won’t get stranded on the side of the road if you need a tow, fuel, or other roadside assistance service with this coverage.

  • Rental reimbursement: If you don’t have access to another vehicle, rental reimbursement can help cover a rental while your Subaru is in the shop after a covered accident.

  • Uninsured motorist coverage: If someone hits your Subaru and they don’t have insurance or enough liability coverage to pay for your damages, uninsured motorist coverage can help cover the cost.

Subaru Car Insurance FAQs

If you’re shopping for Subaru insurance, you probably have questions about rates, coverage, and insurance companies. Below are answers to some of the most common Subaru car insurance questions.

What’s the cheapest car insurance company for a Subaru?

The cheapest car insurance company for a Subaru depends on your age, location, driving history, and model. Companies like USAA, State Farm, and Allstate offer some of the cheapest rates, according to Compare.com data.

How much does car insurance cost for a Subaru Crosstrek?

On average, Subaru Crosstrek insurance costs $92 per month for liability coverage and $166 per month for full coverage, according to Compare.com data. But Crosstrek rates vary based on your age, driving history, ZIP code, model year, and trim level.

Why is Subaru insurance so expensive?

Subaru insurance is slightly below the national average, costing an average of $127 per month compared to $140, based on Compare.com data. Subarus are affordable, hold their value, and are generally safe, making them more affordable to insure than other brands.

How much does it cost to insure a Subaru?

The average cost to insure a Subaru is $93 for liability coverage and $160 per month for full coverage, based on Compare.com data. Rates vary by model year, trim level, vehicle type, Subaru model, and personal driving factors.

Sources

  1. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  2. National Association of Insurance Commissioners. "A Consumer's Guide to Auto Insurance."
  3. Centers for Disease Control and Prevention. "Risk Factors for Teen Drivers."

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.

About Compare.com

Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

  • 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.
  • None of Compare.com's content is ever influenced by the companies and brands we partner with.
  • Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • 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
Writer: 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.

Nick Versaw
Editor: Nick VersawSenior Managing Editor

Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.

Katie Powers headshot
Reviewer: Katie PowersLicensed P&C Agent and Insurance Editor

Qualifications:
  • Licensed auto and home insurance agent

  • 4+ years of experience in insurance and personal finance editing

  • NPN: 20564519


Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.