Subaru Solterra Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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Estimated insurance rates for a Subaru Solterra are $1,892 a year including full coverage. Comprehensive insurance costs an estimated $370 each year, collision costs $686, and liability insurance costs around $598. Liability-only coverage costs as low as $688 a year, with high-risk coverage costing $4,094 or more. Teens pay the most at $7,184 a year or more.
Average premium for full coverage: $1,892
Premium estimates broken down by type of coverage:
Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and Solterra models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Subaru Solterra go from the low end price of $688 for basic liability insurance to a high rate of $4,094 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Where you live has a significant impact on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.
The graphic below illustrates the difference location can make on insurance prices.
These rate differences highlight why all drivers should compare prices for a targeted area, rather than relying on averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rate Comparisons
The chart below breaks down estimated Subaru Solterra insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $1,099
- Using higher $1,000 deductibles will save approximately $242 every year
- The estimated price for a 40-year-old good driver who has $500 deductibles is $1,892
- Selecting low deductibles for physical damage coverage will cost an additional $464 a year
- Drivers with serious driving violations could pay up to $4,094 or more
- An auto insurance policy that insures a teen driver can cost as much as $7,184 or more
Insurance prices for a Subaru Solterra also have a wide range based on the trim level and model year, your driving record and age, and liability limits and deductibles.
If you have a few violations or you caused an accident, you are likely paying $2,200 to $3,100 extra annually, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 130% more than the average policy. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,700 a year, or $142 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay at least $7,100 a year. View Rates by Age
Where you choose to live has a huge impact on Subaru Solterra insurance rates. A driver around age 40 might see prices as low as $1,450 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,700 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,710 | -$182 | -9.6% |
| Alaska | $1,450 | -$442 | -23.4% |
| Arizona | $1,566 | -$326 | -17.2% |
| Arkansas | $1,892 | -$0 | 0.0% |
| California | $2,156 | $264 | 14.0% |
| Colorado | $1,804 | -$88 | -4.7% |
| Connecticut | $1,942 | $50 | 2.6% |
| Delaware | $2,140 | $248 | 13.1% |
| Florida | $2,364 | $472 | 24.9% |
| Georgia | $1,746 | -$146 | -7.7% |
| Hawaii | $1,358 | -$534 | -28.2% |
| Idaho | $1,282 | -$610 | -32.2% |
| Illinois | $1,410 | -$482 | -25.5% |
| Indiana | $1,424 | -$468 | -24.7% |
| Iowa | $1,278 | -$614 | -32.5% |
| Kansas | $1,794 | -$98 | -5.2% |
| Kentucky | $2,578 | $686 | 36.3% |
| Louisiana | $2,800 | $908 | 48.0% |
| Maine | $1,166 | -$726 | -38.4% |
| Maryland | $1,560 | -$332 | -17.5% |
| Massachusetts | $1,512 | -$380 | -20.1% |
| Michigan | $3,282 | $1,390 | 73.5% |
| Minnesota | $1,584 | -$308 | -16.3% |
| Mississippi | $2,262 | $370 | 19.6% |
| Missouri | $1,678 | -$214 | -11.3% |
| Montana | $2,030 | $138 | 7.3% |
| Nebraska | $1,490 | -$402 | -21.2% |
| Nevada | $2,264 | $372 | 19.7% |
| New Hampshire | $1,360 | -$532 | -28.1% |
| New Jersey | $2,112 | $220 | 11.6% |
| New Mexico | $1,676 | -$216 | -11.4% |
| New York | $1,992 | $100 | 5.3% |
| North Carolina | $1,088 | -$804 | -42.5% |
| North Dakota | $1,546 | -$346 | -18.3% |
| Ohio | $1,302 | -$590 | -31.2% |
| Oklahoma | $1,940 | $48 | 2.5% |
| Oregon | $1,732 | -$160 | -8.5% |
| Pennsylvania | $1,804 | -$88 | -4.7% |
| Rhode Island | $2,522 | $630 | 33.3% |
| South Carolina | $1,712 | -$180 | -9.5% |
| South Dakota | $1,596 | -$296 | -15.6% |
| Tennessee | $1,656 | -$236 | -12.5% |
| Texas | $2,276 | $384 | 20.3% |
| Utah | $1,400 | -$492 | -26.0% |
| Vermont | $1,292 | -$600 | -31.7% |
| Virginia | $1,132 | -$760 | -40.2% |
| Washington | $1,460 | -$432 | -22.8% |
| West Virginia | $1,732 | -$160 | -8.5% |
| Wisconsin | $1,310 | -$582 | -30.8% |
| Wyoming | $1,682 | -$210 | -11.1% |
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $710 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $538 more per year. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to figure out which insurance company is cheapest is to do a rate comparison from as many companies as possible. Each insurance company calculates prices differently, so the prices will be substantially different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Subaru Solterra | $370 | $686 | $598 | $1,892 |
| 2023 Subaru Solterra | $356 | $668 | $624 | $1,886 |
Rates are averaged for all Subaru Solterra models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Right Subaru Solterra Insurance
Finding better rates on Subaru Solterra insurance requires being safe and accident-free, having above-average credit, refrain from filing small claims, and taking advantage of discounts. Compare rates every other policy renewal by requesting rates from direct car insurance companies, and also from your local car insurance providers.
Below you'll find a quick rundown of the ideas that were touched on in this article.
- Youthful drivers are charged the highest prices, with the cost nearing $599 per month if full coverage is included
- High-risk drivers with reckless driving or DUI convictions could be charged and average of $2,200 more annually than a low-risk driver
- Increasing policy deductibles can save approximately $700 each year
- You may be able to save approximately $220 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $7,184 |
| 20 | $4,378 |
| 30 | $1,962 |
| 40 | $1,892 |
| 50 | $1,730 |
| 60 | $1,698 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,356 |
| $250 | $2,140 |
| $500 | $1,892 |
| $1,000 | $1,650 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,892 |
| 50/100 | $2,012 |
| 100/300 | $2,161 |
| 250/500 | $2,550 |
| 100 CSL | $2,071 |
| 300 CSL | $2,400 |
| 500 CSL | $2,640 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $10,224 |
| 20 | $6,964 |
| 30 | $4,172 |
| 40 | $4,094 |
| 50 | $3,908 |
| 60 | $3,872 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $99 |
| Multi-vehicle | $100 |
| Homeowner | $29 |
| 5-yr Accident Free | $136 |
| 5-yr Claim Free | $121 |
| Paid in Full/EFT | $84 |
| Advance Quote | $92 |
| Online Quote | $132 |
| Total Discounts | $793 |
Discounts are estimated and may not be available from every company or in every state.
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