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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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Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
Yes
All 50 states
Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.
52%
AZ, AR, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TN, TX, UT
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.
Optional
No
CA, IL
A new company with a minimalist approach to insurance. Find basic coverage, low rates and online-based service.
40%
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
15%
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
Optional
10%
IL, IN, MD, 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.

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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.

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

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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.

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.

Subaru car facts

  • Compared to other manufacturers, Subaru is an affordable brand. It offers several models that are well within the reach of many families, such as the Forester ($22,795 MSRP), Outback ($25,895 MSRP), Legacy ($22,195 MSRP) and Impreza ($18,495 MSRP).
  • Subaru’s vehicles typically draw strong safety ratings, and the company’s cars are targeted for theft relatively infrequently. Overall, this lowers insurance premiums.

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.

Frequently asked questions about Subaru

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