How Much Is Subaru Insurance? Compare Quotes by Model
On average, it costs $1,284 per year to insure a Subaru, which is relatively inexpensive compared to other makes. However, Subaru insurance costs vary depending on the car model. MoneyGeek broke down car insurance costs for Subaru’s major models by model year and driver’s age.
Subaru insurance costs can vary significantly depending on the car model. MoneyGeek’s data shows that the Subaru BRZ is the most expensive Subaru model to insure, costing roughly $1,495 per year. On the other hand, Subaru Forester is the cheapest model to insure at around $1,064 annually.
MoneyGeek analyzed insurance costs for all major Subaru models to help you figure out average rates and the cheapest companies for Subaru insurance.
How Much Subaru Insurance Costs on Average - Summary by Model
MoneyGeek found that the cost of insurance for a Subaru can vary significantly by model. The average annual cost of insuring various Subaru models is below, from the cheapest to the most expensive:
- Subaru Forester: $1,064 per year
- Subaru Outback: $1,121 per year
- Subaru Impreza: $1,232 per year
- Subaru WRX: $1,442 per year
- Subaru BRZ: $1,495 per year
Car models with a high manufacturer's suggested retail price (MSRP) or high repair costs are often more expensive to insure. A high horsepower sports car is also more expensive to insure since they are considered riskier and have a higher likelihood of theft.
Subaru Annual Insurance Costs by Model
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- ModelAverage Annual Premium
- $1,495
- $1,442
- $1,232
- $1,121
- $1,064
Are Subarus Expensive To Insure?
Generally, it’s inexpensive to insure a Subaru. However, there are various Subaru models available, and the cost of insurance depends more on a car’s model than its maker. MoneyGeek’s analysis of five Subaru models shows that the Forester, Outback and Impreza are inexpensive to insure, the WRX has a moderate insurance cost, and Subaru’s BRZ is expensive to insure.
At roughly $1,495 per year, the BRZ is the most expensive Subaru model to insure. The high expense could be because it is a sports car with high horsepower — drivers of a sports car may be more likely to engage in risky behavior, which drives insurance costs up.
The cheapest Subaru to insure is the Forester, at an average annual cost of $1,064. It is a low-value and low-horsepower car, which means it is cheaper to repair and less likely to get into a major accident, so insurers charge less for it.
How Much Is Insurance for a Subaru BRZ?
The average cost of insuring a Subaru BRZ is $1,495 per year across all model years. The BRZ ranks as the most expensive of the five Subaru models included in MoneyGeek’s analysis. It’s also generally expensive to insure a Subaru BRZ compared to all other car makes and models.
GEICO offers the cheapest policy for a Subaru BRZ at around $1,155 per year. Allied has the most expensive Subaru insurance quote for the BRZ at roughly $2,092 annually.
Subaru BRZ Annual Insurance Costs
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- CompanyAverage Annual Premium
- $1,155
- $1,172
- $1,210
- $1,609
- $1,645
- $1,946
- Allied$2,092
The cost of insuring a Subaru BRZ can change depending on the model year, driver’s characteristics and the chosen coverage.
- Given the model year of your Subaru BRZ, the cost of a policy can range from an average of $1,324 to $1,595 per year.
- The cost of insurance for an 18-year-old driver with a Subaru BRZ is around $4,878 per year, while a 40-year-old pays roughly $1,495 per year.
- MoneyGeek analyzed the best car insurance for a Subaru BRZ based on company claims ratings, financial stability and user satisfaction for drivers who want high-quality service and are not concerned about cost.
How Much Is Insurance for a Subaru WRX?
On average, it costs $1,442 per year to insure a Subaru WRX across all model years. Of the five Subaru models that MoneyGeek analyzed, the WRX ranks second most expensive. Compared to other car makes and models, auto insurance for a Subaru WRX is generally moderately priced.
GEICO offers the cheapest Subaru insurance quote for the WRX at around $1,155 per year. The most expensive policy is with Allied at roughly $1,995 a year.
Subaru WRX Annual Insurance Costs
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- CompanyAverage Annual Premium
- $1,136
- $1,155
- $1,382
- $1,534
- $1,548
- $1,750
- Allied$1,995
The cost of insurance for a Subaru WRX may change depending on its model year, driver’s characteristics and the type of coverage.
- The model year of your Subaru WRX can make the average cost of insurance range from $1,188 to $1,573 per year.
- If you’re an 18-year-old driver with a Subaru WRX, you pay around $4,707 per year for insurance; a 40-year-old with the same car pays an average of $1,442 per year.
- For the best car insurance for a Subaru WRX, regardless of the price, MoneyGeek analyzed insurers by claims ratings, financial stability and customer satisfaction.
How Much Is Insurance for a Subaru Impreza?
MoneyGeek found the average yearly insurance cost of a Subaru Impreza is $1,232 across all model years. The Impreza is the third most expensive to insure of the five Subaru models in this analysis. In general, it is inexpensive to insure a Subaru Impreza.
At around $1,007 annually, GEICO gives the cheapest Subaru Impreza insurance quote. And the most expensive policy is with Allied at roughly $1,660 per year.
Subaru Impreza Annual Insurance Costs
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- CompanyAverage Annual Premium
- $1,007
- $1,030
- $1,173
- $1,225
- $1,380
- $1,468
- Allied$1,660
The average cost of a policy for a Subaru Impreza may change depending on the car’s model year, driver profile and coverage type.
- The average cost of a policy depends on the model year of your Subaru Impreza and may range from $1,077 to $1,303 per year.
- On average, the insurance cost for an 18-year-old driver with a Subaru Impreza is $4,021 per year, while a 40-year-old pays around $1,232 annually.
- MoneyGeek researched the best car insurance for a Subaru Impreza by insurers claims ratings, user satisfaction and financial stability for drivers who want good service regardless of the cost.
How Much Is Insurance for a Subaru Outback?
On average, it costs $1,121 per year to insure a Subaru Outback across all model years. The Outback ranks as the second cheapest out of the five Subaru models analyzed by MoneyGeek — insurance is generally inexpensive for a Subaru Outback.
GEICO is the cheapest insurer for a Subaru Outback, with an average annual cost of $993. Allstate offers the most expensive Subaru Outback insurance at roughly $1,301 a year.
Subaru Outback Annual Insurance Costs
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- CompanyAverage Annual Premium
- $993
- $1,072
- $1,084
- $1,093
- $1,112
- Allied$1,257
- $1,301
The Outback’s model year, driver characteristics and the type of coverage selected affect the average cost of insurance.
- The average cost of insurance depends on the model year of your Subaru Outback and can range from $964 to $1,207 per year.
- For an 18-year-old driver with a Subaru Outback, the cost of car insurance is around $3,658 per year; a 40-year-old driver pays roughly $1,121 annually.
- Without concern for cost, MoneyGeek researched the best car insurance for a Subaru Outback by insurers claims ratings, user satisfaction and financial stability.
How Much Is Insurance for a Subaru Forester?
The average insurance cost for a Subaru Forester is $1,064 per year. The Forester is the cheapest of all five models included in MoneyGeek’s Subaru insurance costs analysis. It is generally inexpensive to insure a Subaru Forester.
GEICO offers the most affordable Subaru insurance quote for a Forester at around $907 per year. The most expensive insurer is Allied, costing around $1,303 annually.
Subaru Forester Annual Insurance Costs
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- CompanyAverage Annual Premium
- $907
- $985
- $1,019
- $1,075
- $1,121
- $1,202
- Allied$1,303
Insurance cost for a Subaru Forester can change depending on the car’s model year, driver profile and the type of coverage.
- The average annual cost of a policy depends on the model year of your Subaru Forester, ranging from $952 to $1,150.
- The average cost of car insurance for an 18-year-old driver with a Subaru Forester is $3,473 per year. But a 40-year-old pays roughly $1,064 annually.
- For the best car insurance for a Subaru Forester where cost is not a concern, MoneyGeek analyzed insurers by claims ratings, financial stability and user satisfaction.
FAQs About Subaru Insurance
MoneyGeek answered frequently asked questions below about Subaru insurance costs to help you understand how insurance rates vary depending on the car model.
Methodology
MoneyGeek collected information about insurance provider rates for Subarus using a sample driver profile. In this scenario, the driver is a 40-year-old male purchasing a full coverage policy with the following coverages:
- $100,000 in bodily injury liability insurance per person
- $300,000 in bodily injury liability insurance per accident
- $100,000 in property damage liability insurance per accident
- Comprehensive and collision insurance with a $1,000 deductible
Rates represent averages and can provide guidance on what prices to expect but won’t match your specific rates.
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