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: May 13, 2026
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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 Subaru BRZ costs the most to insure among Subaru models at $51 a month for minimum coverage and $151 for full coverage. The Outback is the least expensive at $45 a month for minimum coverage and $98 for full coverage. Car insurance rates by vehicle shows the full breakdown for every model and trim.
| 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 a clean record, for model years 2012 to 2022.
Subaru Car Insurance Cost by Model Year
Newer, higher-value Subaru models cost more to insure. Older, lower-value models cost less. The table below breaks down insurance costs by Subaru model and year.
Data filtered by:
2009
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.
Data filtered by:
16
| 16 | $2,803 | $6,167 |
*Rates are for a driver with good credit and no driving violations.
Is Subaru Insurance Expensive?
Subaru's higher parts costs and vehicle values push premiums above some competitors. Driver safety data adds to the picture: according to LendingTree's brand incidents study, Subaru ranks poorly on driver safety, which insurers treat as a risk signal when pricing policies.
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.
Data filtered by:
Subaru Forester
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.
Data filtered by:
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 | 90.01 |
| GEICO | 89.12 |
| Travelers | 87.04 |
| Nationwide | 83.78 |
| Allstate | 81.76 |
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
Nationwide costs more than most competitors for Subaru drivers, but its coverage options set it apart. SmartMiles is a pay-per-mile program that ties monthly cost to actual driving distance. The vehicle value upgrade add-on replaces a totaled car with a comparable new model rather than paying actual cash value.
Nationwide's SmartRide usage-based discount program earned top customer satisfaction marks from J.D. Power and offers up to 40% off, tied for the highest discount among all insurers.
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.
- 1Assess your needs
How much coverage you need depends on your vehicle's value, your deductible comfort, and which optional coverages apply to how you drive. The car insurance coverage needs calculator builds a recommendation around your specific situation.
- 2Research average costs and discounts
Knowing what Subaru drivers typically pay before you get quotes tells you whether an offer is competitive or inflated. Ask each insurer about discounts specific to your Subaru model and your driver profile. Safety feature credits, multi-vehicle discounts, and bundling are the most common.
- 3Compare at least three providers
Get quotes using the same coverage levels, deductibles, and limits across every insurer so the comparison is direct. Check J.D. Power ratings, AM Best financial stability scores, and complaint data alongside the premium. The cheapest policy isn't a good deal if the insurer is slow to pay claims.
- 4Check Subaru's manufacturer insurance partnerships
Subaru's affiliated insurance programs price policies with the brand's standard safety features and all-wheel drive in mind, which can produce lower rates than generic quotes. It's worth getting a quote through the program to see how it compares.
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
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?
Not necessarily. Subaru's safety ratings and reliability record offset some of the cost pressure from higher parts values. Whether a Subaru costs more to insure than a comparable vehicle from another brand depends on the specific model, your driver profile and which insurer you use.
Which Subaru model is the cheapest to insure?
The 2012 Subaru Outback is the cheapest Subaru model to insure. Its lower market value and repair costs put it at $45 a month for minimum coverage. Going with the cheapest option makes sense only if that coverage level fits your actual financial exposure because minimum liability won't cover damage to your own vehicle.
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
Minimum coverage rates reflect state-required liability limits. Full coverage is 100/300/100 liability plus comprehensive and collision with a $1,000 deductible.
How We Chose Best and Cheapest Car Insurance for Subarus
MoneyGeek scored insurers for Subaru vehicles across five weighted factors:
- Customer satisfaction (35%): J.D. Power study scores and NAIC complaint index
- Affordability (30%): Rate comparisons from Quadrant Information Services
- Claims (20%): J.D. Power Claims Study and CRASH Report Card
- Coverage (10%): Roadside assistance, rental car reimbursement, OEM coverage, and gap insurance availability
- Stability (5%): AM Best financial health ratings
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
Rate data is from 80,676 quotes across seven companies. The base profile is a 40-year-old single male with a clean record. Quotes were adjusted for age, location, and driving history. Data are from Quadrant Information Services.
Coverage levels. Minimum coverage pays for damage you cause to others' property and meets state liability requirements. Full coverage adds comprehensive (fire, weather, theft) and collision (accidents) to that base. The deductible is what you pay out of pocket before the insurer covers the rest.
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 (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.
Sources
- LendingTree. "Subaru, Ram, Subaru Have Worst Drivers, While Mercury, Pontiac, Cadillac Have Best." Accessed June 17, 2025.