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Subaru car insurance – Introduction

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

  • Subarus are especially popular in the northeastern and northwestern states. Their Outback and Forester models may be their most well-known ones.
  • Subaru has high safety ratings and is not listed in the most commonly stolen car list which leads to affordable insurance rates.

The history of Subaru

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.

Subaru current market stats

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.

How much does Subaru car insurance cost?

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.

See what you could save on auto insurance

Factors affecting the Subaru car insurance premium

There are certain features unique to Subaru cars that certainly have an impact on insurance rates. Here are some of them.

  • Blind-spot detection: The IIHS says that blind-spot detection can help cut accidents by 14% when changing lanes.
  • Rear-view camera: According to CBS News, when paired with automatic braking, rear cameras help cut back-over accidents by about 80%.
  • Reverse automatic braking: When driving in reverse, Subaru cars can automatically stop to avoid a crash.
  • STARLINK safety and security: If the driver gets into an accident, STARLINK will let an operator know. With the push of a button, this feature can also connect drivers to roadside help.
  • DriverFocus: DriverFocus is a device that lets the driver know if they are getting sleepy or distracted.
  • Pre-collision braking: This feature can automatically stop the car if it senses a possible crash before it happens.
  • EyeSight: Subaru's EyeSight technology keeps an eye on traffic and alerts you if your car starts to drift out of its lane. Eyesight has automatic brakes that go on before a crash to prevent it, as well as automatic steering and throttle control.

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.

Subaru car insurance: By model

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 car insurance: By coverage

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

Is Subaru car insurance expensive?

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.

Subaru car insurance cost vs. Popular automotive brands

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

Cheapest Subaru vehicles to insure in 2022

All of the cheapest Subaru models' average annual insurance rates are listed below.

  • Subaru Crosstrek – Average annual insurance rate around $1,220
  • Subaru Ascent – Average annual insurance rate around $1,308
  • Subaru Forester – Average annual insurance rate around $1,323
  • Subaru Impreza – Average annual insurance rate around $1,320
  • Subaru Outback – Average annual insurance rate around $1,390

Cheapest Subaru car insurance companies

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

Car insurance costs for used Subaru models

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

Subaru car insurance: By state

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

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Full coverage vs. minimum coverage for your Subaru

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.

Other car insurance coverages for Subaru

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).

How to get Subaru car insurance with Way.com

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.

Auto Insurance Data Methodology

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

FAQs

What does Subarus cost to insure on average?

Subaru costs an average of $1,926 per year to insure.

What is the most expensive Subaru model to insure?

The Subaru BRZ is the most expensive Subaru model to insure. It costs an average of $1,926 per year to insure.

What is the cheapest Subaru model to insure?

The Subaru XV Crosstrek costs about $918 per year to insure, which makes it the least expensive Subaru to buy.

How much is insurance on a 2021 Subaru?

The average cost of full coverage insurance for a 2021 Subaru Outback is only $1,422.

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