Subaru may have the most loyal fans of any car brand, second only to Jeep. Most Subaru models have unique off-road features that you won't find in other brands. Many other car companies try to make their vehicles look like they can go off-road by adding plastic fender flares or skid plates. They are not a Subaru, though. Should Subaru drivers worry about how much car insurance will cost when they drive off the road and into the nearest mountain pass? Let us find out.
Key takeaways
Subaru is a Japanese car company that makes cars that are both useful and fun to drive. The company makes cars with all-wheel-drive power trains and optional turbochargers that help them run quickly.
Surprisingly, most Subaru cars are quiet and flexible enough to be good family cars, and the brand is known for having some of the best crash test scores in the auto industry.
Rising of Subaru
At the beginning of the 1950s, a group of Japanese businesses came together to form Fuji Heavy Industries Ltd. Its car business became known as "Subaru," which is a Japanese word that means "join."
The first Subaru car was shown to the public in 1954. The P-1, which was later renamed the Subaru 1500, had a four-cylinder engine and a front-wheel wishbone-type independent suspension. It was also the first car made in Japan to have a monocoque body.
The first Subaru truck came out in the 1960s. Based on the Subaru 360 platform, the Sambar minitruck was both small (a must for Japan's narrow, crowded streets) and had a very large cargo bed.
The GL/DL was the first car that Subaru made in the 1970s (called the Leone in other markets). Subaru released the successful Brat in 1977. It was based on the GL and was a small car-based pickup with two jump seats in the bed.
Through the 1980s, Subaru continued to make vehicles that were both useful and a little bit strange. It made the first continuously variable transmission that was controlled by electronics. In the 1990s, the car company made a name for itself in racing.
In the fiscal year that ended on March 31, 2021, the most popular car model made by Subaru Corporation was the Forester, which sold about 257.5 thousand units around the world. Only in the U.S., which is Subaru's biggest market, did more than 176 thousand Foresters sell.
The average cost of car insurance for a Subaru driver is $1,593 per year. But your insurance rates could be different depending on what kind of car you have.
There are certain features unique to Subaru cars that certainly have an impact on insurance rates. Here are some of them.
Why does Subaru cost differ by model?
The BRZ is the most costly Subaru model to insure, costing about $1,926 a year. The high price could be due to the sports car's high horsepower; sports car drivers may be more willing to take risks, which raises insurance rates.
The XV Crosstrek has an average annual cost of $918, making it the least expensive Subaru to insure. It is a low-value and low-horsepower vehicle, making it less expensive to repair and less likely to be involved in a serious collision. As a result, insurance companies charge less for it.
| Vehicle model | Average annual premium |
|---|---|
| BRZ | $1,926 |
| Crosstrek | $1,422 |
| Forester | $1,410 |
| Impreza | $1,530 |
| Legacy | $1,530 |
| Outback | $1,422 |
| Tribeca | $1,002 |
| WRX | $1,338 |
| XV Crosstrek | $918 |
Subaru BRZ Limited
| Subaru BRZ Limited car insurance | Average annual premium |
|---|---|
| Minimum coverage | $499 |
| Full coverage | $2,042 |
Subaru Forester
| Subaru Forester car insurance | Average annual premium |
|---|---|
| Minimum coverage | $462 |
| Full coverage | $1,422 |
Subaru WRX
| Subaru WRX car insurance | Average annual premium |
|---|---|
| Minimum coverage | $489 |
| Full coverage | $1,872 |
Compared to other Japanese automakers, the average cost of insurance for a Subaru is 0.1% less than for a Honda, 3.8% more than for a Mazda, 9.7% less than for a Nissan, and 5.7% less than for a Toyota.
When compared to Hyundai and Kia, two South Korean car brands, the average insurance rates for a Subaru are 4.9% less than for Hyundai and 3.9% less than for Kia.
| Automotive brand | Insurance cost | Difference |
|---|---|---|
| Subaru | $1,593 | -- |
| Acura | $1,758 | $1,899 |
| Audi | $2,073 | $2,214 |
| BMW | $2,099 | $2,240 |
| Cadillac | $1,651 | $1,792 |
| Chevrolet | $1,538 | $1,679 |
| Dodge | $2,007 | $2,148 |
| Ford | $1,537 | $1,678 |
| Genesis | $1,827 | $1,968 |
| GMC | $1,636 | $1,777 |
| Honda | $1,454 | $1,595 |
| Hyundai | $1,527 | $1,668 |
| Infiniti | $1,923 | $2,064 |
| Jaguar | $1,959 | $2,100 |
| Jeep | $1,671 | $1,812 |
| Kia | $1,511 | $1,652 |
| Land Rover | $1,871 | $2,012 |
| Lexus | $1,812 | $1,953 |
| Lincoln | $1,706 | $1,847 |
| Mazda | $1,399 | $1,540 |
| Mercedes-Benz | $2,112 | $2,253 |
| Mitsubishi | $1,612 | $1,753 |
| Nissan | $1,608 | $1,749 |
| Tesla | $1,962 | $2,103 |
| Toyota | $1,540 | $1,681 |
| Volkswagen | $1,480 | $1,621 |
| Volvo | $1,654 | $1,795 |
All of the cheapest Subaru models' average annual insurance rates are listed below.
Subaru BRZ
| Company | Average annual premium |
|---|---|
| USAA | $1,177 |
| Progressive | $1,216 |
| State Farm | $1,616 |
| Nationwide | $1,646 |
| Allstate | $1,948 |
| Allied | $2,095 |
Subaru WRX
| Company | Average annual Premium |
|---|---|
| USAA | $1,141 |
| State Farm | $1,388 |
| Progressive | $1,541 |
| Nationwide | $1,549 |
| Allstate | $1,752 |
| Allied | $1,998 |
Subaru Impreza
| Company | Average annual premium |
|---|---|
| USAA | $1,035 |
| Progressive | $1,179 |
| State Farm | $1,232 |
| Nationwide | $1,381 |
| Allstate | $1,470 |
| Allied | $1,663 |
Subaru Outback
| Company | Average annual premium |
|---|---|
| Progressive | $1,077 |
| USAA | $1,090 |
| State Farm | $1,100 |
| Nationwide | $1,113 |
| Allied | $1,259 |
| Allstate | $1,304 |
Subaru Forester
| Company | Average annual premium |
|---|---|
| USAA | $990 |
| Progressive | $1,025 |
| State Farm | $1,082 |
| Nationwide | $1,122 |
| Allstate | $1,204 |
| Allied | $1,306 |
| 2017 - 2020 Models | Insurance premium range |
|---|---|
| Ascent | $ 1,612 - $ 1,753 |
| BRZ | $ 1872 - $ 1971 |
| Crosstrek | $ 1399 - $ 1540 |
| Forester | $ 1426 - $ 1455 |
| Impreza | $ 1544 - $ 1596 |
| Legacy | $ 1553 - $ 1665 |
| Outback | $ 1418 - $ 1497 |
| WRX | $ 1995 - $ 2056 |
| State | Average annual premium |
|---|---|
| Alabama | $1,739 |
| Alaska | $1,440 |
| Arizona | $1,629 |
| Arkansas | $1,779 |
| California | $1,982 |
| Colorado | $1,850 |
| Connecticut | $2,365 |
| Delaware | $1,960 |
| Florida | $2,333 |
| Georgia | $1,897 |
| Hawaii | $760 |
| Idaho | $1,319 |
| Illinois | $1,383 |
| Indiana | $1,421 |
| Iowa | $1,128 |
| Kansas | $1,492 |
| Kentucky | $2,158 |
| Louisiana | $2,771 |
| Maine | $1,051 |
| Maryland | $1,700 |
| Massachusetts | $1,365 |
| Michigan | $3,279 |
| Minnesota | $1,351 |
| Mississippi | $1,632 |
| Missouri | $1,540 |
| Montana | $1,566 |
| Nebraska | $1,326 |
| Nevada | $2,177 |
| New Hampshire | $1,515 |
| New Jersey | $1,671 |
| New Mexico | $1,708 |
| New York | $1,583 |
| North Carolina | $985 |
| North Dakota | $1,339 |
| Ohio | $1,195 |
| Oklahoma | $1,908 |
| Oregon | $1,739 |
| Pennsylvania | $1,466 |
| Rhode Island | $2,445 |
| South Carolina | $1,656 |
| South Dakota | $1,488 |
| Tennessee | $1,750 |
| Texas | $1,764 |
| Utah | $1,502 |
| Vermont | $1,159 |
| Virginia | $1,086 |
| Washington | $1,439 |
| West Virginia | $1,449 |
| Wisconsin | $1,444 |
| Wyoming | $1,348 |
Before driving a car, minimum liability coverage is required by the majority of states. If you cause an accident, liability insurance covers the costs of other drivers and their property.
Typical minimum coverages includes
| Coverage type | Protection offered |
|---|---|
| Bodily injury liability (per person and accident) | Covers the expenses incurred as a result of the harm you have caused to others. |
| Property damage liability (per accident) | Covers the expenses incurred as a result of any harm you cause to another person's property or vehicle. |
Uninsured or underinsured motorist coverage may also be required to cover your damages in case of a collision with an uninsured or underinsured driver.
If you reside in a no-fault jurisdiction, your state may additionally mandate personal injury protection (PIP) to cover your medical bills. PIP is especially important in no-fault states.
If you can afford it, obtaining additional coverage above the basic needs is usually a good idea. Even minor collisions can result in tens of thousands of dollars in property damage and medical expenses.
If you are at fault but lack adequate coverage, you will be required to pay for the damages out of pocket.
Typical full coverage includes
| Coverage type | Protection offered |
|---|---|
| Collision coverage | Covers the expenses incurred in collisions with other objects or vehicles. |
| Comprehensive coverage | Includes expenses for damage caused by incidents other than collisions, such as weather-related events, theft, or vandalism. |
No matter what kind of car you drive, most states require you to have at least the minimum amount of car insurance. Minimum coverage policies are usually the least expensive in every state, but they only cover a small amount. Most drivers should buy more insurance than is required to protect their finances.
If you own a Subaru, it might be a good idea to get full coverage car insurance. It also includes physical damage coverage, which adds both collision and comprehensive insurance to the liability insurance.
For example, if you get into an accident, your car gets stolen, or a tree falls on your car, a full coverage policy will pay for the damage.
There are also a number of policy add-ons or endorsements that can be helpful if you own a Subaru.
For example, if you have accident forgiveness, the first accident that you caused won't make your premium go up.
Custom parts and equipment coverage could be helpful if you have added things like an after-sales sound system to your Subaru. Other car insurance add-ons to think about are new car replacement coverage and gap insurance, which can also help you save money (if you lease or finance your new Subaru).
Way.com's personalized estimates can assist you in obtaining accurate insurance quotes. Nonetheless, our information can help you decide where to begin your search for Subaru insurance. You can also compare premiums instead of getting insurance quotes from various insurers' websites. Use this quick, cost-free, and easy method to find the best deal.
It would be ideal if you conducted extensive research to identify various reputable insurers from whom you could obtain affordable insurance quotes. We can, however, assist you by providing a list of local insurers who can provide you with reasonable prices based on variables you may change. To get started, go to our insurance quote page.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Subaru costs an average of $1,926 per year to insure.
The Subaru BRZ is the most expensive Subaru model to insure. It costs an average of $1,926 per year to insure.
The Subaru XV Crosstrek costs about $918 per year to insure, which makes it the least expensive Subaru to buy.
The average cost of full coverage insurance for a 2021 Subaru Outback is only $1,422.
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