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 auto insurance rates for a Subaru Solterra are $1,892 annually for full coverage insurance. Comprehensive costs approximately $370 a year, collision costs $686, and liability is estimated at $598. A policy with only liability insurance costs approximately $688 a year, with a high-risk policy costing around $4,094. Teenage 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 are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and Solterra trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Subaru Solterra go from as cheap as $688 for a discount liability-only rate to a high of $4,094 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Living in a larger city can have significant affects on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than densely populated cities.
The diagram below illustrates the difference between rural and urban areas on auto insurance prices.
These rate differences illustrate why it is important to get quotes using their specific location and their own personal driving habits, instead of using average rates.
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.
Rates by State, City, and Model
The chart below illustrates estimated Subaru Solterra insurance rates for additional coverage and risk scenarios.
- The best discount rate is $1,099
- Choosing higher $1,000 deductibles can save $1,650 each year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,892
- Using low $100 deductibles for comp and collision coverage will cost $2,356
- Unlucky drivers who are prone to accidents and violations could pay around $4,094 or more
- An auto insurance policy with full coverage for a teen driver can cost $7,184 each year
Car insurance prices for a Subaru Solterra also have a wide range based on the model of your Solterra, your risk profile, and physical damage deductibles and liability limits.
Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,700 annually on average, or $142 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged in the ballpark of $7,100 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying anywhere from $2,200 to $3,100 extra annually, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $710 every year, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $538 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Subaru Solterra insurance prices. A good driver about age 40 could pay as low as $1,230 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,550 on average in Florida, 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% |
With such a large range in prices, the only way to figure out who has the best car insurance prices is to get quotes and see which company has the best price. Each auto insurer uses a different method to calculate prices, so rate quotes will be substantially different between companies.
| 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 Buy Affordable Subaru Solterra Insurance
Finding better rates on car insurance takes having a decent driving record, having a good credit score, paying for small claims out-of-pocket, and avoiding coverage lapses. Set aside time to compare rates once a year by requesting quotes from direct insurance companies, and also from insurance agencies where you live.
The following items are a brief review of the data that was covered above.
- It is possible to save around $220 per year simply by quoting early and online
- Policyholders who purchase additional liability coverage will pay an extra $660 annually to raise limits from 30/60 bodily injury limits to higher 250/500 limits
- 16 to 18-year-old drivers pay the highest auto insurance prices, with premiums being up to $599 per month if comprehensive and collision insurance is included
- Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $2,200 more per year than a driver with a clean driving record
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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