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 prices for a Subaru Solterra are $1,892 every 12 months for full coverage. Comprehensive costs on average $370, collision costs $686, and liability insurance is estimated at $598. Liability-only coverage costs approximately $688 a year, with high-risk coverage costing around $4,094. 16-year-old drivers pay the most at $7,184 a year or more.
Average premium for full coverage: $1,892
Premium estimates by type of coverage:
Prices include $500 physical damage deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all states and for all Solterra models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Subaru Solterra go from the cheapest price of $688 for the bare minimum liability coverage to the much higher price of $4,094 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a significant impact on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than congested cities.
The example below illustrates how where you live affects car insurance rates.
These rate differences show why everyone should get quotes based on a specific location and their own driving history, rather than relying 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.
Additional Rate Information
The chart below shows estimated Subaru Solterra insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $1,099
- Choosing higher $1,000 deductibles can save around $242 a year
- The average price for a 40-year-old good driver with $500 deductibles is $1,892
- Buying pricier low deductibles for comp and collision coverage increases the price to $2,356
- High-risk insureds with multiple tickets or accidents could pay upwards of $4,094 or more
- An auto insurance policy to insure a teen driver for full coverage may cost $7,184 each year
Insurance prices for a Subaru Solterra also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your Solterra.
Opting for high physical damage deductibles can save as much as $710 each year, whereas buying more liability protection will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $538 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles could pay as little as $1,700 annually on average, or $142 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay upwards of $7,100 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying at a minimum $2,200 to $3,100 extra annually, depending on your age. Subaru Solterra insurance for high-risk drivers ranges anywhere from 43% to 130% more than the average rate. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Subaru Solterra insurance rates. A good driver about age 40 could pay as low as $1,250 a year in states like Idaho, Maine, and Iowa, or at least $2,700 on average in Michigan, Louisiana, and New York.
| 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 such a large range in prices, the only way to know exactly what you will pay is to regularly compare prices from as many companies as possible. Each auto insurer utilizes a different rate formula, 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 Shop for the Right Subaru Solterra Insurance
Finding better rates on Subaru Solterra insurance takes being a safe and courteous driver, having good credit, not filing small claims, and bundling your home and auto policies. Take the time to comparison shop once a year by requesting rates from direct carriers, and also from local independent and exclusive agents.
Below is a quick rundown of the data that was touched on in the above illustrations.
- Drivers can save as much as $220 per year simply by quoting online well ahead of the renewal date
- Drivers who require higher levels of liability will pay around $660 each year to raise limits from 30/60 bodily injury limits to a 250/500 level
- Teenage drivers pay the highest prices, as much as $599 per month if they have full coverage
- High-risk drivers with reckless driving or DUI convictions pay an average of $2,200 more each year for auto insurance
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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