Subaru drivers pay around $44 monthly for minimum coverage and $118 for full coverage. Subaru ranks 2nd for affordability in minimum coverage and 6th for full coverage among the automakers we studied.
Subaru Car Insurance
Updated: June 18, 2025
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Key Takeaways
State Farm offers the best and cheapest overall car insurance for Subarus with rates starting at $35 monthly for minimum coverage and $92 for full coverage.
Depending on various factors like age, model and coverage level, Subaru auto insurance costs can range anywhere from $381 to $2,001 annually.
Subaru ranked sixth out of 23 automakers in our study for full coverage and second for minimum coverage, making it more affordable for car insurance.
How Much Is Subaru Insurance on Average?
Coverage Level | Average Monthly Rate | Average Annual Rate | Affordability Ranking (Out of 23) |
|---|---|---|---|
Minimum Coverage | $44 | $530 | 2nd |
Full Coverage | $118 | $1,415 | 6th |
*Rates are for a 40-year-old driver with good credit and no driving violations insuring 2012 to 2022 models for models referenced on this page..
Subaru Car Insurance Cost by Model
The most expensive model from Subaru for insurance is the BRZ, costing $51 for minimum coverage and $151 for full coverage monthly. The most affordable is the Outback, with average monthly rates of $45 for minimum coverage and $98 for full coverage.
| Subaru WRX | $598 | $1,495 |
| Subaru BRZ | $605 | $1,633 |
| Subaru Legacy | $590 | $1,347 |
| Subaru Forester | $563 | $1,232 |
| Subaru Outback | $550 | $1,180 |
| Subaru Impreza | $599 | $1,344 |
*Rates are for a 40-year-old driver with good credit and no driving violations for model years ranging from 2012 to 2022.
Subaru Car Insurance Cost by Model Year
Typically, we find that the pricier and newer your car is, the more you'll pay for car insurance, and the opposite is true for older, less expensive cars. Below, compare insurance costs for your Subaru by model and year.
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Model Year:2009
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Subaru Model:Subaru Forester
| Subaru Forester | 2009 | $590 | $1,134 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Subaru Car Insurance Cost by Age
Subaru insurance costs vary widely. For instance, 16-year-olds might pay between $2,804 and $6,167 annually, while at 60, the range drops to $543 to $1,238. Generally, car insurance is priciest for teens and gets more affordable as you age, until you’re around 60. After that, it can increase. Below, see how age changes what you pay for Subaru insurance.
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Age:16
| 16 | $2,803 | $6,167 |
*Rates are for a driver with good credit and no driving violations.
Is Subaru Insurance Expensive?
Because of their high value and costly parts, Subaru often has higher insurance premiums compared to other automakers. Insurers consider these factors along with driver safety, where Subaru ranks poorly according to LendingTree, indicating a higher risk which may lead to more expensive rates.
How Expensive Is Subaru Insurance Compared to Similar Vehicles?
To put into perspective how much more expensive Subaru is than other similar models, we've compared premiums for a 2024 Forester to similar vehicles in terms of MSRP. We found that rates for Subarus are much more affordable than other major providers for similar models. If you're in California, Hawaii, or Massachusetts, car type will have more impact on rates because they cannot take into account age in determining prices. In the table below, you can see our full comparison:
Make and Model | Average MSRP | Annual Minimum Coverage Rate | Annual Full Coverage Rate |
|---|---|---|---|
Subaru Forester | $33,465 | $540 | $1,291 |
Toyota RAV4 | $34,880 | $607 | $1,417 |
Honda CR-V | $33,430 | $591 | $1,334 |
Hyundai Kona | $29,420 | $598 | $1,458 |
Cheapest Subaru Car Insurance Companies
The cheapest overall car insurance company for Subaru vehicles is State Farm, with average monthly rates of $35 for minimum coverage and $92 for full coverage. Other affordable options include GEICO, Travelers, Nationwide, and Allstate.
| State Farm | $35 | $92 |
| GEICO | $35 | $94 |
| Travelers | $40 | $107 |
| Nationwide | $44 | $113 |
| Allstate | $50 | $119 |
Cheapest Car Insurance by Model
While the above companies offer affordable minimum coverage, for Subaru owners, Progressive provides the cheapest insurance for the Outback and Forester models. Meanwhile, Allstate is the most budget-friendly for the Impreza and Crosstrek.
| Subaru BRZ | GEICO | $31 | $100 |
| Subaru Forester | State Farm | $33 | $84 |
| Subaru Impreza | State Farm | $36 | $91 |
| Subaru Legacy | State Farm | $34 | $88 |
| Subaru Outback | State Farm | $33 | $81 |
| Subaru WRX | State Farm | $36 | $97 |
Cheapest Subaru Car Insurance by Model Year
Discover the most affordable Subaru car insurance for your model and year in the table below.
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Model:Subaru Forester
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Model Year:2009
| State Farm | $394 | $897 |
| GEICO | $445 | $998 |
| Travelers | $499 | $1,075 |
| Allstate | $606 | $1,131 |
| Nationwide | $561 | $1,236 |
Cheapest Subaru Car Insurance by Age
The lowest overall Subaru Insurance rates by age vary anywhere from $52 per month to $559 monthly, offered by GEICO. Below, you'll find the top five most affordable providers broken down by different ages for Subaru vehicles.
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Age:40
| State Farm | $468 | $1,099 |
| GEICO | $474 | $1,123 |
| Travelers | $549 | $1,284 |
| Nationwide | $634 | $1,359 |
| Allstate | $657 | $1,429 |
Best Car Insurance for Subaru Vehicles
From our research, we found that the best overall companies to insure your Subaru with are State Farm, GEICO, Travelers, Nationwide, and Allstate. Each company has a great mix of low rates, extensive coverage options, and good customer service reputations.
| State Farm | 90 |
| GEICO | 89 |
| Travelers | 87 |
| Nationwide | 84 |
| Allstate | 82 |
State Farm: Best for Most Subaru Drivers
pros
High customer satisfaction ratings
Lowest rates for most Subaru drivers
Extensive discounts for young drivers
cons
Higher rates for Subaru BRZ owners
COMPANY HIGHLIGHTS
For Subaru drivers, State Farm is the best option regardless of driver profile. It offers the lowest rates for all but one model in our study; however, where the company stands out most is its above-average customer service and claims satisfaction, ranking 6th overall for claims satisfaction and within the top five for overall satisfaction in 42 out of 52 states, according to J.D. Power. Additionally, it offers strong discounts for drivers under 25 with reductions for students and a defensive driving program that can save you up to 20%.
GEICO: Best for Young Adult Subaru Drivers
pros
Most affordable rates for young adults with Subarus
Great customer satisfaction ratings in the North East and for their Usage-based program
Most extensive discount selection, especially for federal employees and military
cons
Lower than average customer service ratings nationwide
COMPANY HIGHLIGHTS
While State Farm was the most affordable for most Subaru models, GEICO stands out for young adult drivers with the lowest rates across every coverage category we analyzed. GEICO also provides the most comprehensive discount options with exclusive premium reductions for federal employees, military personnel, and younger drivers that can deliver up to 25% savings. For customers in New England, Texas and New York, the company consistently ranks within the top five for overall customer satisfaction and places second nationwide for its usage-based discount program DriveEasy, which can reduce your Subaru insurance premiums by up to 30%.
Nationwide: Best Car Insurance Coverage Options for Subaru Owners
pros
Offers a pay-per-mile program and unique add-on coverages
Highest-rated usage-based discount program in the country
cons
Expensive rates for most Subaru drivers
Much lower than average customer satisfaction nationwide
COMPANY HIGHLIGHTS
While Nationwide is a pricier option for most Subaru drivers, it stands out from the competition with its coverage score. The company is unique with its SmartMiles pay-per-mile insurance program and a vehicle value upgrade add-on that replaces a totaled car with a comparable new one. It also boasts top customer satisfaction for its SmartRide usage-based discount program, which offers up to 40% off, tied for the highest nationwide, according to J.D. Power.
How to Find the Best Cheap Car Insurance Company for Your Subaru
Discover how to find affordable Subaru insurance. A good credit-based insurance score and choosing minimum coverage can lower costs.
- 1
Assess your needs
Find the insurance coverage suitable for you, your comfort level with deductibles, and any optional coverages that could save costs in an accident. Use tools like our car insurance coverage needs calculator to explore your options.
- 2
Research average costs and discounts
Investigating the insurance costs for Subaru cars helps you evaluate how favorable a deal you're getting. When evaluating insurers, look into available discounts specific to your vehicle and driver profile.
- 3
Compare multiple providers
Collect quotes from various providers, ensuring you compare similar coverage, deductibles and limits for a fair assessment. Research reputations, discounts and offerings to find the best fit.
- 4
Consider Subaru's insurance program
Consider Subaru's insurance partnerships, which often offer competitive rates, recognizing the brand's standard safety features and all-wheel drive capabilities. Many Subaru owners find better premiums through these manufacturer-affiliated programs.
Subaru Auto Insurance Cost: Bottom Line
Subaru's insurance costs are low, ranked 2nd for state minimum and 6th for full coverage out of 23. You can find affordable options. It's smart to compare quotes from different providers to snag the best deal.
Subaru Car Insurance: FAQ
Below are MoneyGeek expert answers to frequently asked questions about Subaru car insurance.
Which insurance company is the cheapest for Subaru?
State Farm, GEICO and Travelers emerge as the most affordable insurance providers for Subaru owners, offering competitive rates for both minimum coverage and full coverage policies.
How much is Subaru car insurance?
Subaru car insurance averages $1,415 per year for full coverage and about $530 annually for state minimum coverage. Monthly, you're looking at $118 for full coverage and roughly $44 for minimum coverage.
Is car insurance on a Subaru more expensive?
No, car insurance on a Subaru is not typically more expensive than that of other manufacturers. Subarus are generally known for their safety features and reliability, which can contribute to more affordable insurance rates.
Which Subaru model is the cheapest to insure?
The Subaru Outback from 2012 is the cheapest Subaru model to insure due to its lower value and repair costs. While affordable insurance is beneficial, ensuring you have sufficient financial protection against serious losses is crucial.
How We Determined Subaru Auto Insurance Costs
We calculated Subaru insurance costs using data from Quadrant Information Services. Rates are based on the following driver profile:
- 40-years-old
- Good credit
- No driving violations
- 12,000 miles driven annually
Coverages used for minimum coverage are based on state requirements. Full coverage includes a 100/300/100 liability insurance split and comprehensive and collision coverage with a $1,000 deductible.
How We Chose Best and Cheapest Car Insurance for Subarus
To calculate the best car insurance for Subaru vehicles, MoneyGeek used a comprehensive scoring system based on five key factors:
- Customer satisfaction (35%): Measured using J.D. Power's study and the National Association of Insurance Commissioners (NAIC) complaint index
- Affordability (30%): Assessed by comparing rates from Quadrant Information Services
- Claims (20%): Evaluated through the J.D. Power Claims Study and CRASH Report Card
- Coverage (10%): Focused on roadside assistance, rental car reimbursement, OEM coverage and gap insurance
- Stability (5%): Determined by AM Best ratings on financial health
Data Sources
- AM Best: Financial strength ratings for insurers
- J.D. Power: Industry research and analytics
- NAIC: Consumer complaint and insurance data
- Quadrant Information Services: Car insurance pricing and comparative data
Analysis
MoneyGeek reviewed 80,676 quotes from seven companies using a standard driver profile (male, 40 years old, single, clean record) while adjusting for age, location and driving history.
Coverage Levels and Deductibles
- Minimum coverage: Covers damage to other's property
- Full coverage: Includes comprehensive (e.g., fire, weather) and collision (e.g., accidents) insurance
- Deductibles: Out-of-pocket costs before insurance payment starts
The term 100/300/100 means:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
Learn more about MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- LendingTree. "Subaru, Ram, Subaru Have Worst Drivers, While Mercury, Pontiac, Cadillac Have Best." Accessed June 17, 2025.