The average insurance cost of a Subaru is $276 a month, or $3,307 a year. Your insurance premiums will benefit from Subaru’s solid performance and relatively low chance of theft. Plus, they’re relatively affordable cars to purchase compare to some higher-end brands.
Subaru car insurance rates by model
Model
Monthly insurance rate
Base car price
Ascent
$268
$36,995
BRZ
$292
$27,995
Crosstrek
$255
$23,795
Forester
$262
$28,995
Impreza
$288
$19,995
Legacy
$280
$26,695
Outback
$263
$30,995
WRX
$298
$29,995
To determine these estimated costs, we aggregated quotes from insurance companies using this profile:
Single, 35 year old female
Latest model vehicle
20,000 km driven yearly
Perfect driving record
Equipped with winter tires
Driver located in Etobicoke, Ontario
Our estimated price is for full insurance coverage, which usually includes mandatory liability coverage, comprehensive and collision coverage.
Other factors that can affect your auto insurance rate
The model year
The vehicle’s trim
The amount of coverage you need
The estimated kilometres you drive in a year
The vehicle’s safety and anti-theft features
The driver’s credit score
The driver’s location
The driver’s age
The driver’s driving history in the past several years
The driver’s marital status
Your (or the driver’s) gender
Whether the driver rents, leases or owns the vehicle
Get car insurance quotes for your Subaru
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How a vehicle from Subaru affects the cost of insurance
Insurance companies look at several car-related factors when determining the cost of insurance, including the car’s safety ratings, its likelihood of being stolen, and replacement costs and overall damage susceptibility.
Subarus generally have good safety ratings, relatively affordable price tags and low theft rates, helping to lower the cost of car insurance overall.
Of course there are other factors that affect the cost of insurance including the model, mileage and trim package. Personal factors like your driving history, credit score and age also play roles.
Subaru roadside assistance
New Subarus and Certified pre-owned vehicles come with membership in the Subaru 360 C.A.R.E. (Customer Assistance for Roadside Emergencies) program for the first 3 years after purchase. The Subaru 360 C.A.R.E. program is partnered with CAA (Canada Automobile Association), which is one of Canada’s most popular roadside assistance providers. The Subaru 360 C.A.R.E. program includes:
Towing to the nearest Subaru dealership or CAA Approved Auto Repair Service facility
Battery jump start
Flat tire change
Gas delivery of up to 10 litres of fuel if you run out of gas
Lockout if you lost your key
To use Subaru roadside assistance, call Subaru’s 24/7 roadside hotline at 1-800-263-8802.
About the Subaru brand
Fuji Heavy Industries’ car division created the first Subaru prototype in 1954. Today the corporation is known as the Subaru Corporation, and it’s the 23rd-largest auto manufacturer in the world. Subaru’s vehicles are known as solidly crafted cars that are priced affordably.
Are there any standout models?
The Ascent is Subaru’s biggest vehicle yet. Features include third row seating, 11.6 L/100 km in the city, symmetrical all-wheel drive and basic 227-kg towing capacity. It also happens to be an Insurance Institute for Highway Safety (IIHS) 2021 Top Safety Pick+. Prices start at $36,995.
Bottom line
Subaru’s great safety ratings and low theft rates means they’re pretty affordable to insure. But be sure to shop around to find the best car insurance for you.
Roslyn McKenna Ayers is insurance manager at ValuePenguin and a former publisher at Finder, specializing in home and auto coverage. Her expertise and analysis has been featured on Bankrate, MSN and Reader's Digest. She holds a BA in writing and communications from Maryville College.
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