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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The average insurance rates for a Subaru Solterra are $1,892 a year with full coverage. Comprehensive insurance costs approximately $370, collision insurance costs $686, and liability costs around $598. Liability-only insurance costs as low as $688 a year, and high-risk driver 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 include $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all Solterra models.
Price Range Variability
For the average 40-year-old driver, Subaru Solterra insurance rates range from as low as $688 for basic liability insurance to the much higher price of $4,094 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Where you live can have significant affects on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than larger metro areas. The example below illustrates the difference location can make on auto insurance prices.
The examples above demonstrate why everyone should compare prices using their specific location and risk profile, instead of using 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 details average Subaru Solterra insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $1,099
- Using higher $1,000 deductibles will save $242 annually
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,892
- Choosing pricier low deductibles for physical damage coverage will cost an extra $464 every year
- Drivers with multiple violations and an at-fault accident could pay around $4,094
- Policy cost for full coverage for a teen driver for full coverage can cost $7,184 or more
Auto insurance rates for a Subaru Solterra also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.
A more mature driver with a good driving record and high deductibles may pay as little as $1,700 a year, or $142 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay in the ballpark of $7,100 a year. View Rates by Age
Your home state has a huge impact on Subaru Solterra insurance prices. A driver around age 40 might see rates as low as $1,360 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,550 on average in New York, Michigan, 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% |
Choosing high deductibles could cut rates by as much as $710 every year, whereas buying more liability protection will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $538 extra every year. 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 anywhere from $2,200 to $3,100 in extra premium every year, depending on your age. Subaru Solterra insurance for high-risk drivers can be as much as 43% to 130% more than average. View High Risk Driver Rates
| 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 Find the Right Subaru Solterra Insurance
Finding cheaper rates on car insurance requires avoiding accidents and claims, having good credit, not filing small claims, and possibly higher deductibles. Make time to compare rates once a year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The points below are a quick rundown of the data that was touched on in this article.
- You may be able to save around $220 per year just by quoting online well ahead of the renewal date
- Policyholders who purchase increased liability limits will pay about $660 every year to increase from a 30/60 limit to 250/500 limits
- Drivers under the age of 20 have the highest car insurance rates, as much as $599 each month if they have full coverage
- Higher risk drivers with reckless driving or DUI convictions pay on average $2,200 more per year to insure a Subaru Solterra
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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