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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U.S. average insurance rates for a Subaru Solterra are $1,896 a year including full coverage. Comprehensive costs an estimated $384, collision insurance costs $690, and liability is estimated at $584. Liability-only coverage costs approximately $678 a year, and high-risk coverage costs around $4,102. Teen drivers pay the highest rates at up to $7,168 a year.
Average premium for full coverage: $1,896
Price estimates broken down by individual coverage:
Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for all Solterra models.
Price Range from Low to High
For the normal driver, Subaru Solterra insurance prices range from as low as $678 for basic liability insurance to the much higher price of $4,102 for a driver that may need high-risk insurance.
Geographic Price Range
Living in a larger city can make a big difference on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than larger metro areas. The example below illustrates how geographic area affects insurance prices.
The ranges above highlight why everyone should get quotes for a targeted area and risk profile, instead of making a decision based on 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.
Rate Comparisons
The chart below breaks down average Subaru Solterra insurance rates for other coverage scenarios.
- The lowest rate with discounts is $1,104
- Choosing higher $1,000 deductibles can save approximately $244 every year
- The average rate for the average middle-age driver who has $500 deductibles is $1,896
- Choosing pricier low deductibles for comp and collision coverage will increase the cost to $2,372
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $4,102
- The price for full coverage for a 16-year-old driver for full coverage can cost as much as $7,168 each year
Auto insurance prices for a Subaru Solterra are also quite variable based on your driving record, the model of your Solterra, and liability limits and deductibles.
A more mature driver with a good driving record and high deductibles may pay as low as $1,800 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay at least $7,100 a year. View Rates by Age
The state you live in plays a big part in determining prices for Subaru Solterra insurance prices. A good driver about age 40 could pay as low as $1,460 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,710 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,716 | -$180 | -9.5% |
| Alaska | $1,456 | -$440 | -23.2% |
| Arizona | $1,576 | -$320 | -16.9% |
| Arkansas | $1,896 | -$0 | 0.0% |
| California | $2,164 | $268 | 14.1% |
| Colorado | $1,814 | -$82 | -4.3% |
| Connecticut | $1,950 | $54 | 2.8% |
| Delaware | $2,150 | $254 | 13.4% |
| Florida | $2,374 | $478 | 25.2% |
| Georgia | $1,754 | -$142 | -7.5% |
| Hawaii | $1,362 | -$534 | -28.2% |
| Idaho | $1,286 | -$610 | -32.2% |
| Illinois | $1,414 | -$482 | -25.4% |
| Indiana | $1,430 | -$466 | -24.6% |
| Iowa | $1,282 | -$614 | -32.4% |
| Kansas | $1,804 | -$92 | -4.9% |
| Kentucky | $2,590 | $694 | 36.6% |
| Louisiana | $2,812 | $916 | 48.3% |
| Maine | $1,172 | -$724 | -38.2% |
| Maryland | $1,566 | -$330 | -17.4% |
| Massachusetts | $1,518 | -$378 | -19.9% |
| Michigan | $3,296 | $1,400 | 73.8% |
| Minnesota | $1,590 | -$306 | -16.1% |
| Mississippi | $2,274 | $378 | 19.9% |
| Missouri | $1,688 | -$208 | -11.0% |
| Montana | $2,040 | $144 | 7.6% |
| Nebraska | $1,496 | -$400 | -21.1% |
| Nevada | $2,276 | $380 | 20.0% |
| New Hampshire | $1,368 | -$528 | -27.8% |
| New Jersey | $2,122 | $226 | 11.9% |
| New Mexico | $1,682 | -$214 | -11.3% |
| New York | $2,002 | $106 | 5.6% |
| North Carolina | $1,094 | -$802 | -42.3% |
| North Dakota | $1,554 | -$342 | -18.0% |
| Ohio | $1,310 | -$586 | -30.9% |
| Oklahoma | $1,948 | $52 | 2.7% |
| Oregon | $1,738 | -$158 | -8.3% |
| Pennsylvania | $1,812 | -$84 | -4.4% |
| Rhode Island | $2,534 | $638 | 33.6% |
| South Carolina | $1,720 | -$176 | -9.3% |
| South Dakota | $1,602 | -$294 | -15.5% |
| Tennessee | $1,660 | -$236 | -12.4% |
| Texas | $2,286 | $390 | 20.6% |
| Utah | $1,404 | -$492 | -25.9% |
| Vermont | $1,300 | -$596 | -31.4% |
| Virginia | $1,136 | -$760 | -40.1% |
| Washington | $1,468 | -$428 | -22.6% |
| West Virginia | $1,742 | -$154 | -8.1% |
| Wisconsin | $1,314 | -$582 | -30.7% |
| Wyoming | $1,690 | -$206 | -10.9% |
Choosing high deductibles can save as much as $720 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $525 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying $2,200 to $3,100 in extra premium each year, depending on your age. Subaru Solterra insurance for high-risk drivers ranges from 43% to 129% more than average. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Subaru Solterra | $384 | $690 | $584 | $1,896 |
| 2023 Subaru Solterra | $370 | $686 | $598 | $1,892 |
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 the Best Subaru Solterra Insurance
Getting lower rates on insurance for a Subaru Solterra takes avoiding accidents and claims, having good credit, being claim-free, and consideration of higher deductibles. Invest the time to compare rates once a year by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The points below are a brief recap of the data that was presented in the illustrations above.
- You may be able to save approximately $230 per year just by quoting online well ahead of the renewal date
- Insureds who want increased liability limits will pay about $640 per year to raise limits from a low limit to 250/500 limits
- Drivers under the age of 20 are the costliest to insure, possibly costing $597 a month if they have full coverage
- Drivers considered higher risk who tend to receive serious violations may pay on average $2,210 more annually to insure a Subaru Solterra
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $7,168 |
| 20 | $4,384 |
| 30 | $1,974 |
| 40 | $1,896 |
| 50 | $1,736 |
| 60 | $1,704 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,372 |
| $250 | $2,152 |
| $500 | $1,896 |
| $1,000 | $1,652 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,896 |
| 50/100 | $2,013 |
| 100/300 | $2,159 |
| 250/500 | $2,538 |
| 100 CSL | $2,071 |
| 300 CSL | $2,392 |
| 500 CSL | $2,626 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $10,202 |
| 20 | $6,970 |
| 30 | $4,182 |
| 40 | $4,102 |
| 50 | $3,914 |
| 60 | $3,878 |
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 | $99 |
| Homeowner | $28 |
| 5-yr Accident Free | $136 |
| 5-yr Claim Free | $121 |
| Paid in Full/EFT | $84 |
| Advance Quote | $92 |
| Online Quote | $133 |
| Total Discounts | $792 |
Discounts are estimated and may not be available from every company or in every state.
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