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Subaru Insurance Rates

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Average insurance cost for a Subaru

The average insurance cost of a Subaru is $167.86 a month, or $2,014.32 a year. You can buy a Subaru for an affordable price, and your insurance premiums will benefit from your vehicle’s solid performance and relatively low chance of theft.

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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.

A Subaru’s good safety ratings, affordable price tag and low theft rates help to lower the cost of insurance.

Other factors that affect the cost of insurance include the model, mileage and trim package. Personal factors like your driving history, credit score and age also play roles.

Subaru car insurance rates by model

Model Monthly insurance rate Base car price
BRZ $154.00 $25,495
Crosstrek $220.00 $21,695
Forester $141.00 $22,595
Impreza $227.00 $18,395
Legacy $150.00 $21,995
Outback $139.00 $25,645
WRX $144.00 $26,695

Subaru roadside assistance

New Subarus built in 2000 or newer get free roadside assistance for up to 3 years or 36,000 miles, whichever comes first. The Subaru roadside assistance service includes:

  • Towing to the nearest Subaru dealership
  • Battery jump start
  • Flat tire change
  • Gas delivery if you run out of fuel
  • Lockout if you lost your key

To use Subaru roadside assistance, call Subaru’s 24/7 roadside hotline at 1-800-261-2155.

New Subaru drivers can skip adding this coverage to a car insurance policy. Drivers with older Subarus can add on roadside assistance to your car insurance policy to benefit from roadside help when you need it.

Companies that provide coverage for Subarus

Name Product Description Roadside assistance New car protection Available states
Progressive covers anything on wheels! Progressive offers coverage for cars, trucks, motorcycles and snowmobiles. Even Segways are covered.
Included free
Yes, cars under 3 year old & 15,000 miles
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Included free
Yes, cars under 2 years old
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
Optional
Yes, cars under 1 year old & 15,000 miles
AZ, CA, IL, NJ, OR, PA, VA, WA
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
Included free
Yes, cars under 2 years old
All 50 states
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Included free
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Included free
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
The General offers affordable coverage for nearly any driver who needs car insurance.
Optional
No
All states except Hawaii, Massachusetts, Michigan and New Jersey
Known for providing insurance to high-risk customers who may have trouble finding coverage elsewhere, SafeAuto offers a lot of different discounts, from those for homeowners to good drivers.
Included free
No
AZ, GA, IL, IN, KS, KY, LA, MS, MO, OH, OK, PA, SC, TN, TX, VA
Discounts, flexible payments and a life coach that guides you to your best rates and coverage with Direct car insurance.
Optional
No
AL, AR, FL, GA, LA, MS, MO, NC, SC, TN, TX, VA
Elephant Insurance offers low-cost auto insurance with big discounts. Breaking from the national herd could save up to 40% off your current car insurance.
Optional
Not specified
IL, IN, MD, TN, TX, VA
Nationwide is among the nation’s top ten car insurance providers, offering the full range of service and a promise to be “on your side” with stellar service.
Optional
Yes, cars under 2 years old
All states except AK, DE, HI, NH, MT, VT, WY
Get personalized, one-on-one support from your local State Farm agent.
Optional
Yes
All 50 states

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Are there any standout models?

The Ascent is Subaru’s biggest vehicle yet. Features include third row seating, 21 mpg in the city, symmetrical all-wheel drive and 5,000-pound towing capacity.

Prices start at $32,000.

Pros and cons of insuring a Subaru

Pros

  • Good safety features
  • Low theft rates

Cons

  • We were hard-pressed to find any negatives to insuring a Subaru

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. Two models in particular, the Outback and Forester, are perennial bestsellers in the United States.

Subaru Motors Finance (SMF) offers auto loan options through Chase Bank. Past deals included 0% financing on certain Subaru models, like the Forester, Outback and Impreza.

What’s the Subaru Love Promise?

Subaru is dedicated to providing its customers exceptional service. This commitment extends beyond Subaru’s customers to their communities. Subaru’s Love Promise means showing love and respect to everyone at every interaction with Subaru.

Subaru competitors

Looking for other car brands? Find other car manufacturers that are similar to Subaru, or compare makes that are completely different.

Compare all car makes

Bottom line

Subaru’s great safety ratings and low theft rates equal affordable insurance. But be sure to shop around to find the best car insurance for you.

Find the cheapest rates

Compare the best car insurance companies near you.

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Frequently asked questions about Subaru

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Julia Cameron

Julia Cameron is a writer and editor at finder.com who has experience writing in a variety of fields, including finance, mergers and acquisitions, content marketing and immigration law. She has a passion for interior design and an affinity for Old Florida, where she lives with her family.

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