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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Average insurance prices for a Subaru Solterra are $1,892 every 12 months with full coverage. Comprehensive insurance costs an estimated $370, collision costs $686, and liability insurance costs $598. Buying just liability costs as little as $688 a year, with insurance for high-risk drivers costing $4,094 or more. Teen drivers receive the highest rates at $7,184 a year or more.
Average premium for full coverage: $1,892
Rate estimates broken down by individual coverage type:
Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for all Solterra models.
Price Range by Coverage and Risk
For the normal driver, prices range go from the cheapest price of $688 for just liability coverage to the much higher price of $4,094 for a high-risk insurance policy.
Price Range by Location
Your location has a significant impact on car insurance rates. More rural locations tend to have more infrequent collision claims than larger metro areas.
The example below illustrates how geographic area affects insurance prices.
These examples demonstrate why everyone should compare rates for a targeted area and their own driving history, rather than relying on price averages.
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.
Detailed Rate Analysis
The chart below details estimated Subaru Solterra insurance rates for other coverage scenarios.
- The lowest rate with discounts is $1,099
- Drivers who choose higher $1,000 deductibles will pay approximately $242 annually
- The average price for a 40-year-old driver who has $500 deductibles is $1,892
- Choosing pricier low deductibles for comprehensive and collision insurance costs an extra $464 a year
- High risk drivers with multiple violations and an at-fault accident could pay up to $4,094 or more
- The cost to insure a teen driver for full coverage can cost as much as $7,184 a year
Auto insurance rates for a Subaru Solterra can also vary considerably based on policy deductibles and limits, your driving record, and the model year and trim level.
Choosing high deductibles could save up to $710 each year, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $538 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles could pay as little as $1,700 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay at least $7,100 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out $2,200 to $3,100 in extra premium per year, depending on your age. Subaru Solterra insurance for high-risk drivers can cost anywhere from 43% to 130% more than average. View High Risk Driver Rates
Where you live makes a big difference in Subaru Solterra insurance rates. A 40-year-old driver could pay as low as $1,360 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,550 on average in New York, Michigan, and Florida.
| 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% |
With so much variability in rates, the best way to find out which company is cheapest is to regularly compare rates from as many companies as possible. Every company uses a different rate calculation, and quoted rates can be significantly 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 Shop for Cheaper Subaru Solterra Insurance
Saving money on Subaru Solterra insurance not only requires being safe and accident-free, but also having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest the time to compare rates at least every other year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
Below you'll find a condensed summary of the car insurance concepts presented in the illustrations above.
- High-risk drivers with multiple at-fault accidents may pay on average $2,200 more annually than a low-risk driver
- You may be able to save approximately $220 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles could save as much as $700 each year
- Drivers who want more liability protection will pay about $660 every year to go from a minimum limit to a 250/500 level
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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