Updated
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 |
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.
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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 |
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 |
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 |
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 |
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 |
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.
Affordable Subaru rates
Many discounts available
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 |
Auto-Owners Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 3.7 | 3.2 |
| Customer service | 3.7 | 3.6 |
| Discounts | 3.4 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.5 | 2.9 |
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.
Competitive high-risk premiums
Customizable policy options
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 |
Customers appreciate the initial affordability and claim handling but dislike the frequent and unexplained rate increases, as well as the poor customer service.
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.
Many optional coverages available
Highly-rated mobile app
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 |
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 |
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Other Factors That Affect Subaru Car Insurance Rates
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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
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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
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- National Association of Insurance Commissioners. "A Consumer's Guide to Auto Insurance."
- 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.
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.
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