Subaru Solterra Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Subaru Solterra are $1,892 a year including full coverage. Comprehensive costs around $370, collision costs $686, and liability coverage is estimated at $598. Buying just liability costs approximately $688 a year, with insurance for high-risk drivers costing around $4,094. Teen drivers pay the highest rates at $7,184 a year or more.
Average premium for full coverage: $1,892
Price estimates for individual coverage:
Estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and for all Solterra models.
Price Range from Low to High
Using a 40-year-old driver as an example, Subaru Solterra insurance prices go from as low as $688 for the bare minimum liability coverage to the much higher price of $4,094 for a driver who has had serious violations or accidents.
Geographic Price Range
Living in a larger city has a large influence on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than larger metro areas.
The example below illustrates how rural and urban location affects auto insurance rates.
The ranges above highlight why everyone should get quotes for a specific zip code and risk profile, rather than using 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.
Additional Rate Information
The chart below breaks down estimated Subaru Solterra insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $1,099
- Choosing higher $1,000 deductibles can save about $242 every year
- The average rate for the average middle-age driver using $500 deductibles is $1,892
- Choosing pricier low deductibles for comp and collision coverage will increase the cost to $2,356
- Drivers with multiple violations and an at-fault accident could pay at least $4,094 or more
- The price for full coverage for a teenage driver for full coverage can be $7,184 each year
Insurance prices for a Subaru Solterra are also quite variable based on your driving record, the model of your Solterra, and deductibles and policy limits.
A more mature driver with no violations or accidents and high deductibles may only pay around $1,700 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay as much as $7,100 a year. View Rates by Age
The state you live in plays a big part in determining prices for Subaru Solterra insurance rates. A good driver about age 40 could pay as low as $1,450 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,700 on average in Michigan, New York, and Louisiana.
| 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 high deductibles can save as much as $710 a year, whereas buying more liability protection will increase prices. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $538 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying at least $2,200 to $3,100 additional each year, depending on your age. Subaru Solterra insurance for high-risk drivers ranges around 43% to 130% more than average. View High Risk Driver Rates
Since prices can be so different, the best way to figure out your exact price is to regularly compare prices and see how they stack up. Each auto insurer uses a different rate calculation, and prices may be quite different from one company to the next.
| 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 Low Cost Subaru Solterra Insurance
Getting lower rates on auto insurance takes being a low-risk driver, having a good credit history, being claim-free, and taking advantage of discounts. Set aside time to shop around every other policy renewal by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.
The items below are a review of the ideas that were raised in the charts and tables above.
- Teen drivers are charged the highest prices, possibly costing $599 a month including comprehensive and collision insurance
- Drivers who have several accidents or serious violations pay on average $2,200 more every year to insure their Solterra
- Increasing physical damage deductibles can save around $700 each year
- You may be able to save up to $220 per year simply by quoting online well ahead of the renewal date
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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