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Subaru insurance rates

Compare Subaru car insurance. See rates across different companies, models and model years.

We pulled car insurance quotes from top insurance companies to find that the average monthly cost to insure a Subaru can range from $108 to $199 — or, between $1,296 and $2,388 annually. However, your actual costs depend on your driving history, vehicle model and year, ZIP plus other factors. And some older models may cost less to insure than others depending on which safety features your vehicle has and which insurer you choose.

Model YearProgressiveGeicoState FarmFarmersAverage
2019 Subaru Ascent$155.25$114.43$179.30$144.98$148.49
2021 Subaru Ascent$126.41$122.01$175.38$155.50$144.83
2013 Subaru BRZ$101.07$104.96$191.90$190.85$147.20
2016 Subaru BRZ$111.57$118.04$215.65$197.55$160.70
2020 Subaru BRZ$129.41$131.53$249.13$230.55$185.16
2013 Subaru Crosstrek$98.24$96.84$155.83$116.97
2016 Subaru Crosstrek$119.91$105.49$134.33$119.91
2021 Subaru Crosstrek$127.08$120.98$170.44$185.67$151.04
2011 Subaru Impreza — “Stink Eye”$121.74$97.46$157.88$157.83$133.73
2016 Subaru Impreza — “Evo Eye”$124.08$110.36$169.85$171.88$144.04
2021 Subaru Impreza — “Evo Eye”$145.08$126.46$187.70$201.13$165.09
2011 Subaru Forester$103.07$85.79$142.87$129.67$115.35
2016 Subaru Forester$117.24$93.96$166.60$140.72$129.63
2021 Subaru Forester$118.24$106.29$166.53$163.32$138.60
2011 Subaru Legacy$111.57$97.57$169.37$168.02$136.63
2016 Subaru Legacy$127.74$109.68$158.18$163.08$139.67
2021 Subaru Legacy$146.91$126.54$186.21$190.03$162.42
2011 Subaru Outback$102.57$83.14$129.97$119.83$108.88
2016 Subaru Outback$120.07$91.37$142.02$153.25$126.68
2021 Subaru Outback$127.08$110.16$175.36$189.82$150.61
2015 Subaru WRX$177.92$121.08$168.76$208.10$155.92
2016 Subaru WRX$188.09$127.51$188.41$189.43$168.00
2021 Subaru WRX$226.26$143.66$226.03$212.05$198.65

How we got these rates

Our rates are based on a single 30-year-old driver with a clean driving history living in California. California is one of seven states that doesn’t use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:

  • Bodily injury liability per person: $50,000
  • Bodily injury liability per accident: $100,000
  • Property damage liability: $50,000
  • Comprehensive deductible: $500
  • Collision deductible: $500
  • Medical payments: $5,000
  • Uninsured motorist bodily injury: $50,000/$100,000

Your rates may be different based on details such as your age, location, job type, annual mileage and more.

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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 roadside assistance

New Subarus built in 2000 or newer get free roadside assistance for up to three 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 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


  • Good safety features
  • Low theft rates


  • 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.

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.

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

How did you get these rates?

To determine our estimated cost, we aggregated quotes from insurance companies using this profile:

  • 2018 Subaru
  • 10,001–15,000 miles driven yearly
  • No accidents in the past five years
  • Anti-theft device on vehicle
  • Driver located in New York
  • Good credit

Where are Subarus made?

Subarus are made around the world, including in the US and Japan.

What car-related factors affect the cost of insurance?

A car’s safety ratings and features, the cost to repair and maintain the car and the car’s likelihood of being stolen all can affect the cost of car insurance.

How can I finance a Subaru?

Well-qualified buyers might want to consider financing directly through an authorized dealership — rates start as low as 0% APR. Read our review of Subaru Motors Finance to weigh the pros and cons.

Otherwise, you might want to finance your Subaru by taking out a car loan from a third-party bank, credit union or online lender. If you don’t have excellent credit, you can typically find more competitive rates by prequalifying with a few different lenders yourself.


Written by

Roslyn McKenna

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. See full profile

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