Compare Subaru Car Insurance Rates [2023]

Subaru car insurance rates average $136/mo, but rates vary by driving profile, insurer, and Subaru model. For instance, Subaru Crosstrek insurance costs $132 a month, while a Subaru Impreza is $143. Consider Subaru car insurance coverage options and compare quotes to find affordable Subaru car insurance.

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Laura Berry

Former Licensed Insurance Producer

Laura Berry has experience as a licensed producer selling life, health, and property insurance coverage for both Allstate and State Farm. She has dedicated many hours to helping her clients understand the insurance marketplace so they could find the best car, home, and life insurance products for their circumstances. While she currently helps businesses take advantage of the federal R&D tax...

Former Licensed Insurance Producer

Joel Ohman

Founder & CFP®

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Founder & CFP®

UPDATED: Jul 26, 2023

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Here's what you need to know

  • Most Subaru owners pay about $136 a month for full coverage car insurance, 14% higher than the national average
  • While it’s easy to find affordable Subaru car insurance, some Subaru models are cheaper to insure than others
  • You can always get low Subaru insurance costs by comparing rates, qualifying for Subaru insurance discounts, and reducing unnecessary coverages

On average, Subaru full coverage car insurance rates cost $136 monthly, though your chosen Subaru model affects your rates. While Subaru Outback insurance costs $138 a month, you’ll pay $133 to insure a Subaru BRZ. So, it’s vital to compare Subaru insurance rates by model.

Whether you need to buy car insurance for a new car or you’ve had your Subaru for years, there are plenty of ways to save. Learn more about finding affordable coverage below, then compare Subaru car insurance rates to find a policy for your needs.

Subaru Car Insurance Cost

The average Subaru driver pays about $136 a month for car insurance. While Subarus generally come with affordable insurance rates, some models cost more to insure than others. For example, Subaru Outback insurance costs $138 monthly, whereas a Subaru Impreza is $143.

To see how much you might pay for insurance for your Subaru model, check the rates below:

Subaru Average Monthly Auto Insurance Rates by Model and Coverage Type
Vehicle ModelComprehensive RatesCollision RatesLiability RatesFull Coverage Rates
2023 Subaru WRX$31$55$35$135
2023 Subaru BRZ$32$52$35 $133
2023 Subaru Crosstrek$34$53$32$132
2023 Subaru Impreza$34$56$37$143
2023 Subaru Outback$35$50$37$138
2023 Subaru Legacy$36$49$35$134
2023 Subaru Forester$36$53$32$135

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Despite having a wide range of models, most Subaru insurance rates stay around $136 a month. You’ll probably see affordable Subaru insurance quotes no matter which Subaru you buy. However, you can compare Subaru insurance rates by model to find cheap car insurance rates.

Understanding what insurance companies look at when determining your rates is important.

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Factors Affecting Subaru Car Insurance Quotes

When you want to buy car insurance for a Subaru, you should know that various factors affect your car insurance rates. Each company has a unique formula to determine rates, so comparing rates before buying coverage is important. The following factors will affect your car insurance rates:

  • Age and gender: Men and young drivers pay more for car insurance because they’re more likely to drive recklessly, get into accidents, or file other claims. So, when shopping for Subaru car insurance coverage options, compare car insurance rates by age and gender.
  • Your car: Your vehicle’s age, model, and title history impact your rates. For example, most Subaru models have affordable costs because they have solid safety ratings.
  • Location: Companies carefully track who files claims so they know the volume of claims by location. You can see different rates by moving even a single ZIP code.
  • Driving history: Since car insurance companies check driving records, your rates can skyrocket after getting a traffic citation, especially for serious ones like DUIs. If you have too many incidents, you might need high-risk car insurance.
  • Marital status: Married people pay less for car insurance because they file fewer claims than single, divorced, or widowed people. Find out the cost of married car insurance vs. single car insurance.
  • Credit score: Most states allow insurance companies to use your credit score as part of the reasoning behind your rates. You’ll pay less for insurance if you have a higher credit score.

The amount of insurance you need for your car also affects your rates. If you have a newer Subaru, consider full coverage car insurance. It costs more than minimum insurance, but it offers much better protection.

Subaru Car Insurance Coverage Options

The type of insurance you should buy depends on your car. A brand-new Subaru should be covered by full coverage, especially if you have a loan or lease.

As a reliable brand, Subarus can stay on the road for years. Once your car is worth less than a few thousand dollars, it might be worth buying minimum insurance instead.

Before you make your choice, you should understand the following types of insurance:

  • Liability: Most states require liability car insurance before you can drive because it ensures you can pay for damages or injuries you cause in an accident.
  • Collision: Liability insurance doesn’t pay for your car repairs after an at-fault accident. You need collision car insurance if you want help with your repair bills.
  • Uninsured/underinsured motorist: While most states require insurance, not all drivers buy it. If a driver without enough coverage hits you, uninsured motorist coverage pays for your repairs and medical bills.
  • Medical payments/personal injury protection: Medical payments and personal injury protection insurance pay for your health care costs after an accident. Depending on the plan you buy, it might cover your passengers too.
  • Comprehensive: If your car gets damaged by fires, floods, hail, animals, thieves, or vandals, comprehensive car insurance picks up the bill.
  • Gap insurance: Subaru gap insurance pays the difference between your Subaru loan balance and its market value if it gets totaled. Your lender will likely require Subaru gap insurance if you buy a brand-new Subaru.

Full coverage includes everything listed above, costing much more than minimum insurance. Minimum insurance requirements vary by state but usually include liability coverage. Many states also include uninsured motorist or personal injury protection insurance. Find the best and cheapest full coverage car insurance for your Subaru.

Tips to Save on Subaru Car Insurance

Subarus already have relatively affordable rates due to their excellent safety and reliability ratings. However, there are more ways to save on your Subaru car insurance. To get more affordable Subaru car insurance, use the following techniques:

  • Be a safe driver. One of the most impactful factors on your rates is your driving record. You can keep your rates low simply by avoiding getting a traffic violation. Learn how traffic infractions affect car insurance.
  • Keep your car safe. Most new Subarus have safety features like lane departure warnings and emergency braking. Safety features will help you get car insurance discounts and, thus, lower rates. You’ll also see lower rates for parking in a safe spot every night.
  • Increase your deductible. Increasing your deductible means you’ll have to pay more out-of-pocket when you file a claim, but it will decrease your monthly rates. Here’s how to find your car insurance deductible.
  • Look for discounts. Finding Subaru car insurance discounts is crucial in searching for car insurance. Popular discounts for Subaru owners include savings for bundling policies, maintaining a high GPA, and taking a driver’s education course.
  • Lower your coverage. Older Subarus probably don’t need as much coverage as newer ones, so you can drop some Subaru car insurance coverage options as your car ages. You should also be cautious about add-ons, which can significantly increase your rates. Find out how much car insurance you need.
  • Buy a cheap Subaru to insure. Some Subarus are cheaper to insure than others, so compare Subaru insurance rates by model. For example, finding cheap car insurance for a Subaru Impreza might be challenging since rates average $143 monthly. Conversely, Subaru Crosstrek insurance costs $132.

No matter what methods you use to save on car insurance, the most important is that you compare rates with multiple companies. If you don’t see what’s out there for your unique situation, you’ll likely overpay for your coverage. Learn how to reduce your car insurance rates after the first year.

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Find the Best Subaru Car Insurance Today

Whether you want a hatchback to adventure in or the sporty ride of a WRX, Subarus are safe cars you can rely on. With affordable price tags and safety features insurance companies love, buying a Subaru usually means you’ll see low coverage rates.

While Subaru WRX insurance costs $135 monthly, Subaru Crosstrek insurance costs $132 since rates vary by model. In addition, it costs $143 to insure a Subaru Impreza — however, you can always find cheap car insurance for a Subaru Impreza by comparing quotes. Your rates will also vary due to age, gender, coverage options, insurance company, and more.

While it’s usually affordable to insure a Subaru, always compare quotes, Subaru car insurance coverage options, and Subaru insurance discounts from various companies. Finding the company with the lowest rates for you takes some searching, and skipping this step usually results in overpaying.

Frequently Asked Questions

Are Subarus expensive to insure?

Subaru insurance costs less than the national average, so coverage is usually considered affordable. However, you might see higher rates depending on your unique circumstances.

Why is Impreza insurance so high?

Subaru Impreza car insurance rates are high because many insurance companies categorize the vehicle as a sports car. So, you can find cheap car insurance for a Subaru Impreza if you compare sports car insurance rates.

Is it expensive to insure a Subaru Forester?

The average Forester driver pays about $135 a month for insurance. The Forester is one of Subaru’s most popular models for the same reasons its insurance rates are low — Foresters have excellent safety ratings and affordable price tags.

How much is insurance on a 2023 Subaru Outback?

Subaru Outback insurance costs $138 monthly, making it slightly more expensive than the overall Subaru average.

How much is full coverage insurance on a 2023 Subaru Crosstrek?

Subaru Crosstrek insurance costs $132, lower than the overall Subaru average. Compare Subaru insurance rates by model to find an affordable Subaru car insurance policy for you and your vehicle.

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