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...
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 insurance costs on average $370, collision costs $686, and liability is estimated at $598. Liability-only insurance costs approximately $688 a year, with high-risk driver insurance costing $4,094 or more. Teen drivers pay the most at $7,184 a year or more.
Average premium for full coverage: $1,892
Premium estimates by type of coverage:
These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for different 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 just the minimum liability insurance to a much higher rate of $4,094 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Living in a larger city can make a big difference on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than larger metro areas.
The price range example below illustrates the difference between rural and urban areas on car insurance rates.
These rate differences illustrate why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, 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.
Additional Rate Analysis
The chart below illustrates estimated 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 $242 each year
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,892
- Choosing more expensive low deductibles for comp and collision coverage costs an additional $464 annually
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $4,094 or more
- An auto insurance policy with full coverage for a 16-year-old driver with full coverage may cost $7,184 each year
Insurance prices for a Subaru Solterra also have a wide range based on the model of your Solterra, your risk profile, and policy deductibles and limits.
An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,700 annually on average, or $142 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards 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 at a minimum $2,200 to $3,100 additional annually, depending on your age. High-risk driver insurance ranges from 43% to 130% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $710 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $538 more each year. 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 Vermont, Wisconsin, and North Carolina, or as much as $2,550 on average in Michigan, New York, and Florida.
| 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 exactly what you will pay is to compare prices from multiple companies. Each auto insurer uses a different rate calculation, and prices 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 Cheap Subaru Solterra Insurance
Finding better rates on insurance for a Subaru Solterra takes being a good driver, having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Set aside time to compare rates at every other renewal by requesting rates from direct insurance companies, and also from local exclusive and independent agents.
The following list is a brief summary of the concepts that were covered above.
- Drivers considered higher risk that tend to have accidents or serious violations may pay on average $2,200 more each year than a safer driver
- Drivers age 16 to 20 pay higher prices, with premiums being up to $599 per month if they have full coverage
- It is possible to save as much as $220 per year simply by shopping early and online
- Increasing policy deductibles could save up to $700 each year
- It is possible to save as much as $220 per year simply by shopping early and online
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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