Subaru is a Japanese car maker whose vehicles attract a devoted core of buyers. The company markets its vehicles to those who are attracted to its signature engine and drivetrain, all-wheel drive, and rough-road capabilities. Subaru also offers affordable sports cars. To protect your Subaru, you'll want the right car insurance policy.
A local independent insurance agent can help you get set up with the best insurance for Subarus. They'll get you matched to the ideal policy that includes all the coverage you need. But first, use our Subaru insurance guide to compare average Subaru insurance rates by model and more.
Key Takeaways - Subaru Car Insurance
- Subaru insurance costs an average of $1,625 per year, or approximately $135 per month, for full coverage.
- Subaru insurance is an auto insurance policy that can include many different types of coverage, such as roadside assistance, liability, collision, comprehensive, and medical payments.
- Subaru auto insurance rates are slightly lower than the current national average cost of $1,759 per year, or approximately $147 per month.
- The Subaru WRX is the most expensive model to insure of those we compared, costing an average of $2,390 per year, or approximately $199 per month, for full coverage.
- Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Subaru model.
What Is Subaru Insurance?
Subaru auto insurance is essentially a car insurance policy that includes all the coverage you need to protect your Subaru vehicle. Your Subaru car insurance policy will likely contain a combination of liability, collision, and comprehensive coverage, and possibly some additional coverage options such as personal injury protection or roadside assistance. The more coverage you add to your policy, the more complete your Subaru's protection will be.
Recommended coverage options for Subaru drivers:
- Liability insurance: This covers the cost of lawsuits and other expenses resulting from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
Your state likely requires at least a couple of these types of coverage. Work with a local independent insurance agent to get set up with all the Subaru insurance you need.
How Much Does Subaru Insurance Cost?
The average cost of Subaru insurance is $1,625 per year, or approximately $135 per month, for full coverage. When compared to the current national average cost of car insurance, which is $1,759 annually, or approximately $147 per month, Subaru insurance rates are actually a bit cheaper. There are several reasons why Subaru insurance is affordable, including the brand's excellent safety scores, cheaper custom parts, and lower theft rates than many other vehicles.
Subaru Insurance Costs by Popular Models
The model Subaru you own has a major impact on your car insurance rates. Here are just a handful of Subaru insurance costs by model to provide a price range.
| Model | Average Annual Car Insurance Cost | Average Monthly Car Insurance Cost |
|---|---|---|
| Subaru Outback | $1,448 | $121 |
| Subaru Forester | $1,498 | $125 |
| Subaru Crosstrek | $1,507 | $126 |
| Subaru Legacy | $1,574 | $131 |
| Subaru Impreza | $1,606 | $134 |
| Subaru BRZ | $2,022 | $169 |
| Subaru WRX | $2,390 | $199 |
An independent insurance agent can help you find the cheapest Subaru insurance in your area. They'll help you get the best Subaru insurance rates, no matter which model you drive.
Are Subarus Expensive to Insure?
Not compared to most other vehicles. We compared popular Subaru models and found that, in general, car insurance for a Subaru is lower than the current national average. Shopping around with the help of an independent insurance agent can help you find the most affordable Subaru coverage for your needs and budget.
What Other Factors Affect Subaru Car Insurance Costs?
Many factors, including the make and model of your car, can determine your car insurance premiums. But numerous other factors also play a role in your Subaru car insurance premiums, including:
- Your age, gender, and marital status
- Your credit score (where allowed)
- Your location
- Your claims history
- Your driving record
- The type and amount of coverage you choose
- The deductible amount you choose
An independent insurance agent can help you find affordable coverage for your Subaru. They can also help you reduce your rates even further by finding any Subaru insurance discounts you qualify for.
Add-On Protections Worth Considering for Your Subaru
Your Subaru insurance policy may not be complete with just the standard types of coverage. To better protect your vehicle, consider adding some or all of the following:
- Subaru warranty insurance: This coverage can prolong your Subaru extended warranty to help cover the cost of future routine maintenance and repairs, where available.
- New car replacement coverage: This can pay to replace your Subaru with another vehicle of the same model if yours is stolen or totaled due to a covered cause within the first year of ownership.
- Gap insurance: If you own a new or financed Subaru, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- OEM parts coverage: Subaru OEM parts coverage can pay the full cost to replace your vehicle's parts with genuine Subaru parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase after an accident.
An independent insurance agent can help you find the best insurance for a Subaru by comparing all Subaru insurance coverage options in your area.
Best Car Insurance Companies for Subaru Owners
Knowing where to find affordable yet reliable car insurance for your Subaru can help you secure coverage faster and more easily. Here are our top recommendations for the best Subaru car insurance companies in 2026.
| Car Insurance Company | Average Monthly Full Coverage Premium | Average Monthly Minimum Coverage Premium |
|---|---|---|
| Travelers | $107 | $40 |
| Nationwide | $113 | $44 |
| Allstate | $119 | $50 |
An independent insurance agent can help you find affordable Subaru insurance from a reputable local carrier, no matter which model you drive.
How to Lower Your Subaru Insurance Premiums
Though Subaru insurance isn't expensive, it's always nice to save even more money on your premiums when you can. Any of the following tips could help you potentially reduce your Subaru insurance costs:
- Enroll in telematics programs: Your car insurance company or Subaru may offer telematics programs, such as those that track your driving habits or vehicle usage, to help potentially reduce your insurance rates.
- Take advantage of Subaru insurance discounts: Many car insurance companies offer common savings options, such as multi-policy discounts, safety features discounts, anti-theft devices discounts, loyalty discounts, and bundling discounts, which can help you save considerably on your coverage.
- Maintain a clean driving record: Keep your driving record free of accidents, tickets, and other traffic violations to possibly earn good driver discounts and even lower your premium rates.
- Choose a higher deductible: Selecting a high deductible can lead to lower premiums, but understand that you'll have to pay more out of your own pocket if you file a claim.
- Compare quotes from multiple carriers: Shopping and comparing policies from multiple car insurance companies can help you find the most affordable Subaru insurance coverage. A local independent insurance agent can complete this task for you.
- Work with an independent insurance agent: These agents can access several different carriers near you to help find the best and most affordable insurance for your Subaru.
Your independent insurance agent can help you find cheap Subaru insurance and any car insurance discounts you're eligible to receive.
An Independent Insurance Agent Can Help You Get the Best Subaru Insurance Quotes
When it's time to find the most affordable, quality Subaru insurance, no one's better equipped to help than a local independent insurance agent. These agents know where to find the best Subaru insurance coverage and rates, and can shop and compare quotes and policy options from several carriers for you.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Subaru Insurance
Is Subaru insurance cheaper because of safety ratings?
Yes, part of the reason Subaru car insurance is cheaper than coverage for other vehicle brands is due to excellent safety ratings.
What's the most expensive model of Subaru to insure?
We found that the Subaru WRX is the most expensive model to insure of those we compared, at an average cost of $2,390 per year, or approximately $199 per month for full coverage.
What's the cheapest model of Subaru to insure?
We found that the Subaru Outback is the cheapest model to insure of those we compared, at an average cost of $1,448 per year, or approximately $121 per month for full coverage.
Is Subaru WRX insurance expensive?
Yes, rates for the Subaru WRX were the most expensive of all the models we compared. This can be due to the vehicle's higher sticker price and more expensive custom parts.
Does Subaru EyeSight reduce insurance premiums?
Yes, it can. Many car insurance companies offer discounts for Subaru vehicles equipped with EyeSight driver assistance technology.
What factors increase Subaru insurance costs?
Many factors can increase your Subaru insurance costs, such as if you drive a more expensive model, have filed claims before, or have made modifications to your vehicle.
Sources
https://www.thezebra.com/auto-insurance/vehicles/subaru/
https://www.moneygeek.com/insurance/auto/subaru-car-insurance/
https://www.thezebra.com/auto-insurance/how-to-shop/average-auto-insurance/