Subaru Solterra Insurance Rates

The average insurance rates for a Subaru Solterra are $1,892 a year with full coverage. Comprehensive insurance costs on average $370 a year, collision insurance costs $686, and liability insurance is estimated at $598. A liability-only policy costs approximately $688 a year, and high-risk insurance costs $4,094 or more. Teen drivers cost the most to insure at up to $7,184 a year.

Average premium for full coverage: $1,892

Policy rates by type of insurance:

Prices are based on $500 physical damage deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and Solterra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than larger metro areas. The diagram below illustrates how your location can change car insurance rates.

The examples above demonstrate why it is important to get quotes based on a specific location and risk profile, rather than relying on price averages.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below details average Subaru Solterra insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $1,099
• Choosing higher $1,000 deductibles can save around $1,650 annually
• The average rate for a good driver age 40 with $500 deductibles is $1,892
• Choosing low $100 deductibles for comp and collision coverage will cost an extra $464 a year
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $4,094
• Policy cost for full coverage for a teen driver may cost $7,184 each year

View Chart as Image

Car insurance rates for a Subaru Solterra also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.

Older drivers with no driving violations and high deductibles could pay as little as $1,700 annually on average, or $142 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged upwards of $7,100 a year. View Rates by Age

Your home state plays a big part in determining prices for Subaru Solterra insurance rates. A good driver about age 40 could pay as low as $1,360 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,550 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles can save as much as $710 each year, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $538 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $2,200 to $3,100 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 130% more than average. View High Risk Driver Rates

How to Find Affordable Subaru Solterra Insurance

Finding cheaper rates on Subaru Solterra insurance takes being a safe and courteous driver, having above-average credit, not filing small claims, and possibly raising deductibles. Invest the time to shop around at least once a year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

Below is a brief review of the primary concepts that were illustrated above.

• You may be able to save as much as $220 per year just by quoting early and online
• High-risk drivers with DUI or reckless driving convictions may be required to pay an average of $2,200 more each year for auto insurance
• Increasing comprehensive and collision deductibles can save around $700 each year
• Teenage drivers are expensive to insure, as much as $599 each month if full coverage is included