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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.
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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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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
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 $149 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.
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.
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  | Average Monthly Premium: Liability Coverage | Average Monthly Premium: Full Coverage | Overall Average for All Policies |
|---|---|---|---|
| Subaru | $90 | $167 | $129 |
| All makes | $106 | $194 | $150 |
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.
Comparing quotes can save you up to $867.†
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 | Average Liability Premium | Average Full-Coverage Premium |
|---|---|---|
| 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 |
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.
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 | Average Monthly Premium |
|---|---|
| Travelers | $64 |
| Clearcover | $72 |
| Nationwide | $76 |
| Safeco | $86 |
| Root | $90 |
| Progressive | $97 |
| Mercury | $100 |
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.
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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.
Compare.com Rating: 4.17 out of 5
Affordable rates
Many optional coverages available
Offers mechanical breakdown insurance
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.
Compare.com Rating: 4.23 out of 5
Cheap Subaru rates
Accident forgiveness available
Offers many discounts
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.
Compare.com Rating: 4.88 out of 5
Affordable Subaru rates
Multiple policy types available
Highly rated usage-based insurance program
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.
Compare personalized quotes from 100+ top insurers.
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.
State | Average Monthly Premium |
|---|---|
| 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 |
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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.
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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.
Compare rates and find out how much you can save on Subaru insurance.
We answered some common questions from Subaru drivers to help you find the right auto insurance policy.
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.
Not really. Subaru car insurance averages $129 per month, while insurance for other vehicles costs around $149 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.
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.
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.
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.
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.
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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.
Learn more about us, our team, and what makes us tick.
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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 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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