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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Average insurance prices for a Subaru Solterra are $1,892 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $370 a year, collision costs $686, and liability is estimated at $598. A liability-only policy costs approximately $688 a year, with high-risk insurance costing $4,094 or more. 16-year-old 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:
Prices include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and Solterra trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from the cheapest price of $688 for liability-only coverage to a high of $4,094 for a high-risk insurance policy.
Price Range by Location
Living in a larger city can make a big difference on the price of insurance. More rural locations tend to have more infrequent physical damage claims than congested cities.
The diagram below illustrates the difference location can make on insurance prices.
These examples illustrate why it is important to get quotes for a targeted area 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.
Additional Charts and Tables
The chart below illustrates estimated Subaru Solterra insurance rates for other coverage scenarios.
- The best full coverage rate is $1,099
- Choosing higher $1,000 deductibles can save approximately $1,650 each year
- The average price for a 40-year-old driver who has $500 deductibles is $1,892
- Buying low $100 deductibles for comp and collision coverage costs an extra $464 annually
- Higher-risk drivers with multiple tickets or accidents could pay up to $4,094 or more
- The cost to insure a 16-year-old driver can cost as much as $7,184 each year
Insurance rates for a Subaru Solterra can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.
Opting for high physical damage deductibles can save as much as $710 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $538 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may pay as low as $1,700 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect 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 are probably paying $2,200 to $3,100 extra per year, depending on your age. A high-risk auto insurance policy ranges from 43% to 130% more than the average rate. View High Risk Driver Rates
Where you 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 at least $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 so much variability in rates, the only way to figure out which company is cheapest is to get quotes from multiple companies. Each auto insurer utilizes a different rate formula, so the 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 the Right Subaru Solterra Insurance
Saving money on insurance for a Subaru Solterra takes being a low-risk driver, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Make time to compare rates at least every other year by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The items below are a quick rundown of the car insurance concepts touched on in this article.
- Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $2,200 more annually to insure their Solterra
- It is possible to save approximately $220 per year simply by quoting early and online
- Increasing deductibles could save as much as $700 each year
- Insureds who want more liability coverage will pay around $660 annually to raise limits 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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