Buy Cheap Subaru Auto Insurance in 2024
Auto insurance for Subarus costs an average of $146 per month for full coverage, but some models have cheaper rates than others. For example, Subaru auto insurance rates for a BRZ average $164 per month. No matter which model you drive, you can buy cheap Subaru auto insurance by comparing quotes.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Subaru car insurance rates average $146 per month, though many factors will affect your personalized quotes
- Subaru insurance rates are lower than the national average primarily because of the brand’s reputation for safety and reliability
- The best way to find the cheapest Subaru car insurance is to compare quotes from as many companies as possible
Subaru is an excellent brand to shop for when you’re trying to buy cheap auto insurance. Subaru is known for its reliability and top safety ratings, and Subaru car insurance quotes reflect that. Car insurance for Subarus generally costs $146 per month, which is well below the national average.
Although finding affordable Subaru auto insurance is relatively easy, the rates you’ll see depend on several factors. For example, younger drivers see higher Subaru car insurance costs, while people with higher credit scores tend to see lower rates. Because of these factors, it’s important to compare Subaru auto insurance rates before making a decision.
Read on to learn where to buy cheap Subaru auto insurance and what factors might affect your rates. Then, compare quotes from as many companies as possible to find the best Subaru auto insurance for your needs.
Subaru Background
Born out of multiple large Japanese transportation corporations, Subaru has branded their all-wheel-drive cars as reliable, safe, and built for individuals and families that love the outdoors no matter what time of year.
Additionally, the company makes aerospace equipment and parts for Boeing, helicopters for Japan’s military, and executive jets.
One of the company’s early marketing slogans was “Inexpensive and built to stay that way.” While Subaru is still known for its quality, does the slogan still hold true when it comes to paying insurance on them?
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Subaru Auto Insurance Rates
To calculate the average cost of vehicle insurance for each model of Subaru, we used the following information:
- 2018 model
- 10,001–15,000 miles driven yearly
- Basic coverage
- No accidents in the past 5 years
- Driver located in Oregon (national average)
- Good credit
Here is the average cost to insure a Subaru by model:
Subaru Auto Insurance Average Monthly Rates by Model
Model | Rates |
---|---|
Crosstrek | $83 |
Outback | $77 |
Impreza | $86 |
Legacy | $83 |
Forester | $82 |
WRX | $103 |
Subaru rates are incredibly low compared to other foreign vehicles — finding cheap BMW auto insurance is much harder, for example. But Subaru’s insurance rates are even low compared to comparable makes, like Honda Civics and Accords.
The Long-Term Cost of Subaru Ownership
Insurance costs are not determined by premiums alone. Car owners need to consider how much it costs to repair a particular make and model of vehicle, too. Because in some cases, repairs will either not be covered by insurance or will not exceed your deductible. For Subaru, repair costs over the years have been marginal—neither at the high-end nor low-end of the spectrum.
Consumer Reports research indicates that cost of repairs for a Subaru in the first 3 years of ownership is $180 per year. By year 10, Subarus typically cost their owners $695 per year.
Kelley Blue Book has a calculator you can use to determine the 5-year cost of ownership per vehicle. It allows you to compare up to five vehicles at a time. This is handy if you want to see how the Subaru Crosstrek compares to, say, the Jeep Renegade or how the Forester compares to the Cherokee.
Since most major repairs don’t happen in the first 3 years and whereas many people do not own their vehicle for 10 years, the 5-year tool makes a lot of sense to utilize.
Reliability Ratings by Subaru Model
Subaru Crosstrek
One of Subaru’s newest and most popular models is the Crosstrek, a small car that could almost pass for a compact SUV. Like most Subaru models, it earns big points for its safety record and takes home a 2018 Top Safety Pick recognition.
To qualify for this recognition, a vehicle must earn top ratings across a number of safety test categories. It also must earn an advanced or superior rating for front crash prevention and an acceptable or good headlight rating.
Crosstrek does all those things.
In fact, among every single safety category recorded, the Crosstrek earned the highest ranking possible but for one—headlight performance. That’s because for both low- and high-beams the Crosstrek does not optimally light up the left side of the road and oncoming traffic.
Subaru Outback
The Subaru Outback first hit the road in 1994 and has been a hit ever since.
Known for its ability to provide comfort and endure tough conditions, the Outback is arguably the safest midsize vehicle on the road. It garnered a 2018 Top Safety Pick + recognition, scoring the highest possible safety rating in every single safety category.
Its crash avoidance and mitigation system earned a “Superior” ranking, and its child seat safety latch ranking earned a ranking of “Good +” for good measure. In other words, it’s as safe as a tank.
Subaru Impreza
The Subaru Impreza is the company’s purest small car, but it’s big on safety. Like the Subaru Outback, the Impreza garnered a 2018 Top Safety Pick + recognition, scoring the highest possible safety rating in every single safety category.
Its crash avoidance and mitigation system also earned a “Superior” ranking, and its child seat safety latch ranking earned a ranking of “Good +” just like the Outback. In other words, it’s as safe as a tank but as compact as a Honda Civic.
Subaru Legacy
A midsize sedan isn’t necessarily one of the safest vehicles on the road, but this is Subaru and the Legacy model only helps this automaker cement its legacy ad the builder of the world’s safest cars. Like the Subaru Outback and the Impreza, the Legacy garnered a 2018 Top Safety Pick + recognition, scoring the highest possible safety rating in every single safety category.
Its crash avoidance and mitigation system also earned a “Superior” ranking, and its child seat safety latch ranking earned a ranking of “Good +” just like the Outback.
Subaru Forester
The Forester is Subaru’s “small” SUV, but it’s one of its largest vehicles, and over the years it has become largely popular. You’d think all that would mean it’s the safest, too. However, the Forester is the only model of Subaru that didn’t receive top rankings across the board in crashworthiness thanks to passenger-side impact issues.
The Forester also leaves room for improvement in its crash avoidance system since the headlights have the same issue as the Crosstrek — the left-side visibility makes seeing oncoming traffic a little harder than it should be.
Subaru WRX
A few years ago, Subaru came out with another small car model, but with a sporty kick.
It’s called the WRX, and it garnered a Top Safety Pick + recognition in 2018. The only item that did not receive the highest safety ranking was the ease of use for the child seat safety latches. Every crashworthiness factor was rated with the highest possible score, which is par for the course with the Japanese carmaker.
Safety Ratings
Subaru has developed a strong reputation for reliability and safety. And that can have a positive impact on insurance rates. We gathered information from two online sources to help you see how safe each model of Subaru is:
Insurance Institute for Highway Safety—This organization was founded in the late 1950s by insurance companies, but it has evolved into an independent nonprofit with the mission of using research data and safety education to reduce deaths, injuries, and property damage due to car accidents.
They use a “Ratings” tool on their website that gives vehicles ratings for crashworthiness (how well occupants are protected in a crash) and crash avoidance and mitigation (how well the vehicle can prevent an accident or lessen its severity). The four possible ratings are:
- Poor
- Marginal
- Acceptable
- Good
National Highway Traffic Safety Administration—By enforcing performance standards established by state and local governments, the goal of the NHTSA is to mitigate issues that arise from automobile accidents by reducing:
- Deaths
- Injuries
- Economic
The NHTSA also has a “Vehicle Comparison” tool to make your choice between two or three makes and models a little easier and better informed.
Factors That Affect Your Ability to Buy Cheap Subaru Auto Insurance
Insurance prices will change based on many factors, such as:
- Location
- Commute
- Driving record
- Credit score
- Vehicle type
Tips to Buy Cheap Subaru Auto Insurance
Take your pick: Compare price estimates from a variety of companies because although competition keeps prices fairly standard, bundled insurance can be a game changer. Some insurance companies offer more than just vehicle coverage. So to get your business, they’ll offer you more than one type of insurance, but each at a discount. Everybody can win, including your pocketbook.
Eye the itemization: Your premium looks like one lump sum, but it’s actually a composite of several line items, such as comprehensive and collision insurance, emergency road services, and rental car reimbursement. Most insurance providers can itemize these for you, allowing you to determine whether or not you feel it’s worth it to spend an additional $50 per year, let’s say, on rental car insurance.
What can save even more money is if you are willing to change comprehensive and collision coverage. Don’t be over-eager to reduce those coverage amounts, however. You may regret not having $50,000 of bodily injury liability insurance one day just to save $100 over the course of a year.
Buy Cheap Subaru Auto Insurance Today
If you are looking for a reliable, safe, and affordable car, the Subaru is a bit of a no-brainer. But insurance can be complicated depending on your situation.
Remember, you can always contact us for answers if you have insurance questions. It’s what we do.
Frequently Asked Questions
What’s the best way to buy cheap Subaru auto insurance?
To buy cheap Subaru auto insurance, you should take the following steps:
- Comparing quotes: Obtain quotes from multiple insurance providers to compare rates and find the most affordable option.
- Research discounts: Inquire about available discounts, such as safe driver discounts, multi-policy discounts, or discounts for safety features in your Subaru.
- Opt for higher deductibles: Choosing a higher deductible can lower your premium, but be prepared to pay more out of pocket in the event of a claim.
- Maintain a good driving record: A clean driving record without accidents or traffic violations can help you qualify for lower insurance rates.
- Consider your coverage needs: Assess your coverage needs carefully and choose the appropriate level of coverage to avoid paying for unnecessary extras.
Does the model you drive affect your Subaru auto insurance rates?
Yes, the model of your Subaru can impact the cost of insurance. Generally, factors such as the vehicle’s value, repair costs, safety features, and theft rates influence insurance premiums. Some Subaru models may be associated with higher or lower insurance costs based on these factors. It’s advisable to check with insurance providers to determine how the specific model of your Subaru might affect your premiums.
Which companies offer the best Subaru auto insurance?
While there are no insurance companies exclusively dedicated to Subaru vehicles, many insurance providers offer coverage options for Subarus. The availability of cheap Subaru auto insurance will depend on various factors, including your location, driving history, and coverage needs. To find the most affordable rates, it’s recommended to compare quotes from different insurance companies and explore any specialized policies or discounts they may offer for Subaru owners.
Is it hard to buy cheap Subaru auto insurance as a young or inexperienced driver?
Young or inexperienced drivers often face higher insurance premiums due to the perceived higher risk. However, there are ways to potentially reduce your Subaru auto insurance costs, such as:
- Completing driver training courses: Some insurance companies offer discounts for completing approved driver training programs.
- Good student discounts: If you’re a student with good grades, you may qualify for discounts on your insurance premiums.
- Adding yourself as an additional driver: Being added to a parent or guardian’s insurance policy can sometimes result in lower premiums compared to having your own policy.
- Shopping around: Compare quotes from different insurance providers to find the most competitive rates for young or inexperienced drivers.
Can you buy cheap Subaru auto insurance if you have a poor driving record?
Having a poor driving record, including accidents or traffic violations, can make it challenging to find cheap auto insurance. However, some insurance companies may offer specialized policies or forgiveness programs for drivers with past incidents. It’s important to shop around and inquire with insurance providers about options available to you. Improving your driving habits over time can also help you secure more affordable insurance rates in the future.
Is Subaru auto insurance expensive?
With an average rate of $146 per month, Subarus tend to have very affordable insurance prices and are typically much lower than the national average. However, many factors affect your rates, so you should always compare quotes.
Does your location affect Subaru auto insurance rates?
Yes, your location can affect the cost of Subaru auto insurance. Insurance companies consider factors such as the frequency of accidents, theft rates, and population density when determining premiums. If you live in an area with a high incidence of accidents or theft, you may face higher insurance rates. Additionally, urban areas generally have higher insurance premiums compared to rural areas. It’s advisable to check with insurance providers and consider the location-specific factors that may impact your insurance costs.
Is a Subaru WRX considered a sports car for insurance?
The WRX is considered a sports car because of its engine capabilities. Sports cars generally have higher insurance rates than standard vehicles, and the WRX has some of the highest Subaru auto insurance rates.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.