Subaru Solterra Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Mar 28, 2024
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U.S. average insurance prices for a Subaru Solterra are $1,892 every 12 months for full coverage insurance. Comprehensive costs around $370, collision costs $686, and liability is $598. Liability-only coverage costs around $688 a year, with high-risk coverage costing around $4,094. 16-year-old drivers pay the highest rates at $7,184 a year or more.
Average premium for full coverage: $1,892
Price estimates for individual coverage:
Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for different Solterra trim levels.
Price Range from Low to High
For a driver in their 40's, Subaru Solterra insurance prices go from the cheapest price of $688 for just liability coverage to a much higher rate of $4,094 for coverage for higher-risk drivers.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population have more infrequent physical damage claims than congested cities.
The price range example below illustrates how location helps determine auto insurance rates.
The ranges above illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, instead of making a decision based on rate 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 illustrates estimated Subaru Solterra insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $1,099
- Raising to $1,000 deductibles will save about $242 each year
- The average price for the average middle-age driver using $500 deductibles is $1,892
- Buying more expensive low deductibles increases the price to $2,356
- Drivers with multiple tickets or accidents could pay at least $4,094 or more
- The price to insure a 16-year-old driver with full coverage can be $7,184
Auto insurance prices for a Subaru Solterra are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.
Opting for high physical damage deductibles can reduce prices by up to $710 annually, while increasing your policy's liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $538 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as low as $1,700 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay as much as $7,100 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying at least $2,200 to $3,100 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 130% more than the average rate. View High Risk Driver Rates
The state you live in also has a big influence on Subaru Solterra insurance prices. A middle-age driver might find prices as low as $1,230 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,550 on average in Michigan, New York, 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% |
Since prices can be so different, the only way to figure out your exact price is to compare prices from multiple companies. Every auto insurance company utilizes a different rate formula, and quoted prices may be quite 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 Affordable Subaru Solterra Insurance
Getting lower rates on insurance for a Subaru Solterra consists of being a good driver, having a good credit score, not filing small claims, and maximizing policy discounts. Invest time comparing rates at least once a year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following list is a brief review of the primary concepts that were covered in the charts and tables above.
- It is possible to save up to $220 per year simply by shopping early and online
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $2,200 more every year than a safer driver
- Increasing physical damage deductibles could save as much as $700 each year
- Drivers age 16 to 20 are expensive to insure, as much as $599 a month if comprehensive and collision insurance is included
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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