Subaru Insurance

Everything you need to know — and more

Written by Sara East
Written by Sara East

Insurance doesn’t have to be boring. That’s why we hired Sara East to be our BA insurance writer. Maggie specializes in making mundane subjects hella-entertaining.

Subaru Insurance

Subarus are beloved cars for many people in the United States. They make good family cars because of their spacious interiors and roomy rear seats. Subarus also appeal to the outdoors crowd for their ability to drive places other vehicles can’t get to. These vehicles are consistently ranked among the best on the road, so you want to assure you have proper car insurance for your beloved Subaru.

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What Type of Insurance Is Best for Your Subaru?

Bodily injury liability: Nearly every state requires all drivers to have bodily injury liability coverage. This policy will cover the costs associated with any medical bills or lost wages to third-party drivers, passengers, or pedestrians if you're in an at-fault accident. It will not cover your personal injuries.

Property damage liability: Most states also require property damage liability which covers the costs associated with any third-party property damage as a result of an at-fault accident. Similar to bodily injury liability insurance, it will not pay for damage to your personal property.

Medical payments/Personal injury protection: In no-fault states, medical payments or personal injury protection (PIP) coverage is required. No fault laws require that drivers submit a claim to their personal insurance whether they're at fault in an accident or not. Whether you were at fault or not, PIP insurance assists in paying for medical bills that are associated with the accident. In states that it's not required, it can still be voluntarily purchased. 

Uninsured and underinsured motorist coverage: Getting in an accident with an uninsured or underinsured motorist can be a costly bill. Uninsured and underinsured motorist insurance pays for damage to your vehicle if the other party doesn't have enough insurance coverage. 

Optional coverage: 

Collision: If your vehicle collides with a fence or a flag pole, it can cause significant damage and a big bill. Collision coverage helps you pay for the damage. If you're questioning whether collision insurance is worth it or not, keep in mind that 90% of accidents are collisions.

Comprehensive: For things like hailstorms, freak encounters with wild animals, and the random rock falling from the sky, comprehensive coverage is there to help pay for the damage. 

Glass coverage: New windshield features like EyeSight recalibration add to the cost to replace a Subaru windshield to upwards of $1,000. Instead of paying that cost yourself, you could have your windshield replaced with zero-deductible glass coverage. This policy endorsement may only cost you a few extra dollars per year and has no deductible.

Gap insurance: A brand new Subaru can cost around $45,000. As soon as your vehicle leaves the lot, it's immediately worth less money. In the unfortunate event that you get in an accident shortly after buying your vehicle, you could be left owing more for the vehicle than it's worth. Gap coverage is an endorsement that you add to your policy that pays the difference between your car's value and the amount owed to the financing company in the event of a total loss where you owe more than the car's total value.

What Factors Affect the Cost of Insurance for Your Subaru?

Annual mileage

The typical driver averages 10,000-15,000 miles per year. If you drive a lot more or a lot less, then this amount can change the cost of your insurance premium. Insurance companies see more time on the road as a greater risk of getting in an accident. 

Driving record 

Having just one violation on your record can greatly increase your insurance premium. A clean driving record means lower premium rates. Most violations fall off your record after a certain amount of time, and your independent insurance agent can help you understand when that might be.

The value of your car 

As to be expected, the more valuable your Subaru the more it will cost to insure. Depending on the Subaru model, you'll pay anywhere from $22,145 to $45,045 for a brand new vehicle. If you're hoping to lower your insurance premium you can look into buying an older model versus brand new. As the value of a vehicle depreciates, your premium price will follow.  

Average Subaru prices and insurance premiums:

Subaru model Vehicle price Annual insurance premium
Subaru Ascent $31,995 - $45,045 $1,476
Subaru BRZ $28,845 - $31,495 $1,376
Subaru Crosstrek $22,145 - $35,145 $1,320
Subaru Forester $24,495 - $34,595 $1,346
Subaru Impreza $18,695 - $26,295 $1,428
Subaru Legacy $22,745 - $35,895 $1,276
Subaru Outback $26,645 - $39,695 $1,378
Subaru WRX $27,495 - $41,695 $1,394

The safety of your Subaru

Subarus are routinely ranked as one of the Top Safety Picks by the Insurance Institute for Highway Safety. Multiple Subaru models have received 5-star Overall Vehicle Scores from the National Highway Traffic Safety Administration. Newer model Subarus are also equipped with Subaru's DriverFocus and EyeSight Driver Assist Technology features that have proven to reduce rear-end accidents by 85%. 

Where you live with your Subaru

Some states are naturally more expensive for insurance than others, but whether you live in a big city or a small town can also affect your rates. Driving busier roads and being more susceptible to traffic, theft, and vandalism can all impact the cost of your insurance premiums. 

Average cost to insure a Subaru

The average annual cost to insure a Subaru is $1,376, making it a relatively affordable car to insure. Those costs could go up or down depending on if you're a high-risk driver or are willing to take a higher deductible. High-risk drivers will pay an average of $2,946 annually, and high-deductible drivers will pay closer to $1,168. Rates will also vary depending on the Subaru model you purchase.

Average annual premium for Subaru 
Teen drivers $4,880
High-risk drivers $2,946
High-deductible $1,268
Low deductible  $1,782

Which states are most affordable and least affordable for car insurance? 

Estimated annual Subaru insurance premiums in the United States:

Most expensive states:
Michigan $2,392
Louisiana $2,038
Kentucky $1,878
Rhode Island $1,836
Florida $1,722
Most affordable states:
North Carolina $792
Virginia  $826
Maine $852
Iowa $928
Idaho $934

Top Insurance Carriers That Insure the Subaru

According to a recent US Independent Insurance Agent Satisfaction Study by J.D. Power, the following companies provide excellent service to their insurance customers: 

  1. Progressive
  2. Safeco
  3. Travelers

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Where to Find Insurance for Your Subaru

Subaru drivers can take advantage of the many opportunities for affordable car insurance on the market today. Driving a Subaru means investing in sustainability, practicality, and affordability. When it comes to safety, insurance is one way to protect yourself and your vehicle.

Insuring your existing Subaru or finding insurance for a Subaru you hope to own is an important step. A knowledgeable® agent is ready to work with you to get you the coverage you need. 

Contact a local independent agent to compare multiple insurance quotes today.

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