Compare Subaru Car Insurance Rates

Looking for car insurance for your Subaru? You’ve come to the right place. Check out our latest guide below on everything you need to know about car insurance for Subaru cars and SUVs.

by Nick Versaw Updated January 21, 2022

Have a Subaru? Thinking of putting one in your driveway or parking spot? Then this is for you. Car insurance is a major consideration when you think of the cost to own a vehicle. That’s why you should compare Subaru car insurance rates to make sure you’re getting the best rate without sacrificing quality coverage. 

Keep reading and we’ll share a bit about the Subaru brand and how much you can expect to pay based on the model and insurance company you choose. Also, we’ll touch on ways to save on your insurance rate. 

Or if you want to bypass this step and get right to the cheapest rate for your Subaru, enter your zip code below. 

Subaru is a Japanese brand of all-utility vehicles that include several rugged 4×4 and off-road selections. Subaru models are popular among outdoor enthusiasts and larger families that consider themselves active. A Subaru is handled to equip the busy activities of large families, such as sports, camping, and other hobbies. Their vehicle lineup is known for their longevity, sometimes making it to 400,000 and 500,000 miles without any major problems. Popular Subaru models include the Outback, Forrester, and even a high-performance kit-car known as the Impreza is popular among the tuner community.

Insurance prices can vary depending on the type of Subaru you own. Find your model from the list below and use the insurance breakdown guide and pricing to find the perfect policy for your vehicle.

Subaru

Ascent

Subaru

BRZ

Subaru

Crosstrek

Subaru

Forester

Subaru

Impreza

Subaru

Legacy

Subaru

Outback

Subaru

WRX

The History of the Subaru

Subaru is the automotive division of the larger Subaru Corporation. Previously known as Fuji Heavy Industries, this company initially produced aircrafts and heavy industrial equipment until the 1950s, when they began making their first vehicles. Subaru’s name comes from the Pleiades star cluster, affectionately referred to as the ‘seven sisters.” Of those seven stars, only six can be seen with the naked eye. This is represented in Subaru’s logo, which only has six stars. 

In 1968, Subaru produced their first vehicle in America, equipped with Subaru’s famous boxer engine. In 1989, the Subaru Legacy was released to compete in the mid-size market as a four-door sedan. Not long after, the Impreza was introduced in 1993 as a compact car. In 1997, the Forester burst onto the scene as one of the first compact SUVs on the market. 

Subarus have always been known for their standard all-wheel-drive models and low depreciation over the years. Since these cars are durable and long-lasting, drivers need to find quality insurance that is affordable and reliable.

Cost of Subaru Insurance

The average cost to insure a Subaru is $100 a month. When comparing that to the national average of $106/mo to insure vehicles, you’ll see that insurance for a Subaru is 6% less. While not a major savings, every little bit helps – so thanks to your decision to drive a Subaru, you’ll be saving each month. 

But, if this number is still a bit much for you, don’t let it deter you from driving a Subaru. Instead, do your best to compare insurance rates with different companies to make sure you’re getting the best rates out there. 

We can help you do that in the time it takes to make your morning coffee. Simply enter your zip code below to get started. 

Subaru Car Insurance Rates by Model

While the average cost to insure a Subaru is $100 a month, this varies based on the model you drive. For example, a fancier sports car like the Subaru BRZ car will cost more to insure than a family-friendly sedan like the Subaru Impreza. 

Here are the average car insurance rates for some of the most common Subaru models.

Ascent

The Subaru Ascent is a three-row SUV that can seat up to 8 passengers. The biggest vehicle Subaru has ever made, this SUV is an excellent match for large families. To insure an Ascent, you’ll pay an average of $142 per month. 

BRZ

The Subaru BRZ is a two-seater sports car boasting a front engine and rear-wheel drive. Insurance premiums for a Subaru BRZ hover around $161 a month. 

Crosstrek

The Subaru Crosstrek is a five-seat compact crossover SUV with car-like handling and a sporty exterior. It comes with a comfortable and durable interior, great gas mileage, and all-wheel drive. To insure a Subaru Crosstrek, you can expect to pay about $134 per month.

Forester

The Subaru Forester is a five-seat, compact SUV that’s perfect for small families who love to take drives year-round. With its emphasis on all-weather traction, this car can handle the snowiest of winter days and hottest of summer nights. You can expect to pay around $91 a month to insure a Forester. 

Impreza

The Subaru Impreza is available in two body styles: a five-seat compact sedan or a four-door hatchback. Both styles feature a roomy and quiet interior, along with plenty of features for drivers to enjoy. Insurance premiums for Subaru Impreza’s average around $108 a month. 

Legacy 

The Subaru Legacy is a five-seat full-size sedan. Passengers will enjoy the roomy cabin and the range four or six-cylinder engine. To insure a Subaru Legacy, you can expect to pay around $81 per month for coverage. 

Outback 

A five-seater midsize crossover wagon, the Subaru Outback is perfect for adventurous families who also need a car for city drives. You’ll enjoy the roomy backseat and ample trunk space while taking road trips. To insure your Subaru Outback, you’ll pay around $103/mo for coverage. 

WRX

The Subaru WRX is a five-seat compact performance sedan. Known for its sporty exterior and quick handling, this car is cherished by drivers looking for a sedan with a bit of kick. You can anticipate paying around $172 per month to insure your Subaru WRX. 

Subaru Car Insurance Rates by Insurance Company

Auto insurance rates for Subaru vehicles vary based on the model and the insurance company you choose. Each insurance company will use various factors to determine your insurance premium such as your driving record, age, education and where you live. They also place more emphasis on certain factors than others which changes how they set your insurance rate.  That’s why you’ll see a wide variety of rates in your search. 

Here is a list of auto insurance companies that offer the most affordable premiums when insuring a Subaru. 

Insurance Company Monthly Premium
Commonwealth Casualty $61
Sun Coast $74
MetroMile $77
Direct Auto $82
Gainsco $82
Dairyland $83

In this table, you’ll see how insurance premiums differ in price based on your insurance company. 

Two companies offer average rates under $75 a month: Commonwealth Casualty ($61/mo) and Sun Coast ($74/mo). Then you have rates slightly over $75/mo, including MetroMile at $77/mo, Direct Auto and Gainsco with $82/mo, and Dairyland with $83/mo for coverage. 

While these rates hover around the same range, there is a difference of over $20 between the cheapest and most expensive insurers listed! This is why you always want to compare rates between different companies to be sure that you’re getting the best rate possible. Simply enter your zip code below to get started. 

Subaru Features That Impact Insurance Cost

Insurance rates tend to vary wildly with Subarus, and certain features can impact your rates as well. If you currently have a Subaru, be sure to see if your vehicle has these safety features or if the discount you get would be worth it to add them to your car. If you’re searching for a Subaru, look for a model that has as many safety features as possible to reduce your insurance cost. 

Here are a few features that affect your insurance premium. 

Trim Levels: The trim level of your Subaru can directly affect how much you pay for insurance. If your car trim comes with extra features like backup cameras or expensive audio systems, the value of your car increases. This will make it more costly to insure than the base model.  

Airbags: Although it’s standard for most cars these days to have airbags, this doesn’t mean you won’t save money for having them. If your vehicle is equipped with driver, passenger, front head, rear head, and front side airbags, you might save a few bucks on your insurance premium. 

Lane Keeping Assist: Advanced safety systems like lane-keeping assist can help you save money on auto insurance. This feature detects when your car is drifting out of its lane and alerts you as the driver. Not only does it reduce the risk of accidents, but insurance companies will often reward you for having a feature like this in your vehicle.  

Anti-Theft Devices: Insurance companies appreciate drivers who take steps to protect their cars from theft. You can save money on your Subaru by purchasing one with anti-theft devices installed or installing one yourself. 

Vehicle Dynamics Control: Drivers in areas with inclement weather can all benefit from vehicle dynamics control. This feature helps prevent skidding on ice by applying braking pressure to slow wheels or applying engine power to speed up wheels. As this feature lowers your chances of accidents, insurance companies may give you a discount. 

Anti Lock Brakes: Anti-lock brakes, also known as ABS, is a safety feature that prevents you from applying too much pressure to your brakes, resulting in malfunctioning axles and wheels. Having this safety feature in your vehicle will make you a less risky driver in the eyes of your insurance company. 

Daytime Running Lights: All Subarus come with daytime running lights. These lights remain on whenever your engine is running. By increasing the visibility of your vehicle and making it easier for other drivers to see you, you lessen the chances of a collision. Although it seems like a minor feature, insurance companies may discount drivers who have these lights.

FAQs About Subaru Car Insurance

Are Subaru cars more expensive to insure?

When comparing the cost of insuring a Subaru with the average cost for car insurance, you’ll find that Subaru cars are cheaper to insure. The average cost of car insurance is $106/mo while insuring a Subaru will cost you $100/mo, a difference of 6%.

Does Subaru have their own car insurance?

Subaru has partnered with Liberty Mutual to offer Subaru Advantage insurance, customized for Subaru drivers. While this is one option, we recommend comparing insurance rates to find the best option for you. Enter your zip code below to get started.

How much does Subaru insurance cost?

How much you pay for car insurance varies between drivers, but the average cost to insure a Subaru is $100/mo.

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