Subaru Solterra Insurance Rates
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UPDATED: Mar 28, 2024
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Average auto insurance rates for a Subaru Solterra are $1,896 annually for full coverage. Comprehensive insurance costs on average $384 each year, collision insurance costs $690, and liability costs $584. Buying just liability costs as little as $678 a year, and insurance for high-risk drivers costs $4,102 or more. 16-year-old drivers receive the highest rates at up to $7,168 a year.
Average premium for full coverage: $1,896
Rate estimates by individual coverage type:
Estimates include $500 physical damage deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and Solterra models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from as cheap as $678 for a discount liability-only rate to a high rate of $4,102 for high-risk insurance.
Price Range by Location
Your location can make a big difference on car insurance rates. Rural areas tend to have fewer accident claims than congested cities. The graphic below illustrates how your location can change car insurance rates.
These examples show why all drivers should compare rates based on a specific location and their own personal driving habits, 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.
Rates by State, City, and Model
The chart below shows average Subaru Solterra insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $1,104
- Drivers who choose higher $1,000 deductibles will pay around $244 a year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,896
- Buying low deductibles for comprehensive and collision insurance costs an additional $476 annually
- Drivers with multiple tickets or accidents could pay upwards of $4,102
- The cost with full coverage for a 16-year-old driver may cost $7,168 a year
Auto insurance rates for a Subaru Solterra can also vary considerably based on the trim level of your Solterra, your driver profile, and policy deductibles and limits.
More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,800 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay upwards of $7,100 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying at a minimum $2,200 to $3,100 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost from 43% to 129% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $720 annually, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $525 extra every year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Subaru Solterra insurance prices. A 40-year-old driver could pay as low as $1,250 a year in states like Idaho, Maine, and Iowa, or at least $2,710 on average in Michigan, Louisiana, and New York.
| 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% |
| 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 Buy Low Cost Subaru Solterra Insurance
Saving money on insurance for a Subaru Solterra not only requires being a safe and courteous driver, but also having above-average credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Invest the time to shop around every couple of years by requesting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.
Below is a review of the material that was illustrated above.
- Insureds who require higher levels of liability will pay around $640 each year to go from a minimum limit to higher 250/500 limits
- Teenage drivers are charged the highest rates, costing as high as $597 per month if full coverage is included
- Drivers considered higher risk who have several accidents or serious violations may be required to pay an average of $2,210 more each year for auto insurance
- Increasing deductibles could save up to $725 each year
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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