Subaru Insurance

Covering Your Subaru: The Right Insurance for One of the Best Cars Money Can Buy

(Everything you need to know - and more)

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 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, and they are also one of the most popular vehicles among consumers. Consumer Reports praises their practicality and affordability. They get high safety ratings and have won best resale value from Kelley Blue Book. 

The popularity, affordability, and safety of Subarus all combine to affect the price of Subaru insurance for drivers who own or want to own one of these great cars.

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Subaru and Auto Theft

Unfortunately, the popularity of Subarus with consumers means that they are also popular among car thieves. Newer model Subarus aren’t in as much demand, but Subaru models made before 2001 are often targeted. 

The vehicles have a higher theft rate in places like the Pacific Northwest, where the cars are very popular. The theft rate of certain models can affect the Subaru insurance bottom line in some cases, leading to potentially increased costs.

Keeping an older Subaru model safe can be as simple as parking it inside a garage or in a protected parking enclosure. Many older cars are stolen off the street and in broad daylight, adding to owners’ frustration. 

In Seattle alone 4,715 vehicles were stolen in 2014, and 525 of those were just in October. Steering wheel locks and anti-theft devices can be a big deterrent to car thieves looking for a car that’s easy to break into.

Newer model vehicles have security features that make it nearly impossible for car thieves to take what isn’t theirs. Devices like engine immobilizers, smart keys, and kill switches all temporarily disable a vehicle until the owner gets back.

The Subaru Forrester, Outback, WRX, and Crosstrek all come with remote keyless power door locks, engine immobilizers, and remote anti-theft alarm systems for additional security, which could decrease the cost of Subaru insurance for some drivers.  

How Much Does Subaru Insurance Cost?

Subarus are routinely ranked as one of the Top Safety Picks by the Insurance Institute for Highway Safety. Other factors can influence the cost of insurance for a Subaru, including some individual details about the driver or model of the car.

Although every person’s situation and vehicle are different, there are some things we know about Subaru insurance. Over a five-year period, a Forrester owner could have insurance payments of about $3,309, and an Outback owner could see payments of about $3,244. 

Subaru WRX insurance averages in at about $4,694 over five years, and the Crosstrek has an average of $3,255. Factors that influence Subaru insurance costs can include:

  • Gender and age
  • Marital status
  • Location
  • Credit and driving history
  • Age and size of vehicle
  • Likelihood of theft

Other insurance cost factors include the market value of the car, the cost of repairing the car, and the history of the vehicle with other drivers. 

When it comes to insurance, a lot of older cars are considered safe, but older Subarus are also more likely to be stolen. Subarus are pretty easy to repair, since there are lots of spare parts available and they are common around the country.

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 Trusted Choice® 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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