Subaru Solterra Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated insurance prices for a Subaru Solterra are $1,918 every 12 months for full coverage. Comprehensive costs on average $404 each year, collision insurance costs $718, and liability insurance is estimated at $558. A policy with only liability insurance costs approximately $656 a year, and a high-risk policy costs around $4,138. Teen drivers pay the most at up to $7,182 a year.
Average premium for full coverage: $1,918
Premium estimates by type of coverage:
Prices are based on $500 physical damage deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates include averaging for all states and Solterra models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Subaru Solterra range from the cheapest price of $656 for just liability coverage to a high rate of $4,138 for a policy for a high-risk driver.
Insurance Price Range by Location
Living in a larger city has a significant impact on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than larger metro areas. The graphic below illustrates how location impacts car insurance rates.
These rate differences show why all drivers should get quotes based on a specific location and their own driving history, rather than relying 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.
Detailed Rate Analysis
The chart below shows average Subaru Solterra insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $1,116
- Choosing higher $1,000 deductibles can save around $256 a year
- The average price for a 40-year-old good driver with $500 deductibles is $1,918
- Choosing low deductibles for comp and collision coverage increases the price to $2,414
- High-risk insureds with multiple violations and an at-fault accident could pay upwards of $4,138
- An auto insurance policy to insure a teen driver may cost $7,182 each year
Car insurance prices for a Subaru Solterra also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your Solterra.
Choosing high deductibles can save as much as $760 each year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $502 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles could pay as little as $1,800 annually on average, or $150 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged upwards of $7,100 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying at a minimum $2,200 to $3,100 extra annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 128% more than average. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Subaru Solterra insurance rates. A good driver about age 40 could pay as low as $1,270 a year in states like Idaho, Maine, and Iowa, or as much as $2,740 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,734 | -$184 | -9.6% |
| Alaska | $1,470 | -$448 | -23.4% |
| Arizona | $1,592 | -$326 | -17.0% |
| Arkansas | $1,918 | -$0 | 0.0% |
| California | $2,188 | $270 | 14.1% |
| Colorado | $1,834 | -$84 | -4.4% |
| Connecticut | $1,970 | $52 | 2.7% |
| Delaware | $2,170 | $252 | 13.1% |
| Florida | $2,398 | $480 | 25.0% |
| Georgia | $1,772 | -$146 | -7.6% |
| Hawaii | $1,378 | -$540 | -28.2% |
| Idaho | $1,300 | -$618 | -32.2% |
| Illinois | $1,430 | -$488 | -25.4% |
| Indiana | $1,448 | -$470 | -24.5% |
| Iowa | $1,298 | -$620 | -32.3% |
| Kansas | $1,822 | -$96 | -5.0% |
| Kentucky | $2,616 | $698 | 36.4% |
| Louisiana | $2,842 | $924 | 48.2% |
| Maine | $1,186 | -$732 | -38.2% |
| Maryland | $1,582 | -$336 | -17.5% |
| Massachusetts | $1,532 | -$386 | -20.1% |
| Michigan | $3,332 | $1,414 | 73.7% |
| Minnesota | $1,608 | -$310 | -16.2% |
| Mississippi | $2,296 | $378 | 19.7% |
| Missouri | $1,704 | -$214 | -11.2% |
| Montana | $2,062 | $144 | 7.5% |
| Nebraska | $1,512 | -$406 | -21.2% |
| Nevada | $2,300 | $382 | 19.9% |
| New Hampshire | $1,380 | -$538 | -28.1% |
| New Jersey | $2,144 | $226 | 11.8% |
| New Mexico | $1,700 | -$218 | -11.4% |
| New York | $2,022 | $104 | 5.4% |
| North Carolina | $1,106 | -$812 | -42.3% |
| North Dakota | $1,570 | -$348 | -18.1% |
| Ohio | $1,324 | -$594 | -31.0% |
| Oklahoma | $1,970 | $52 | 2.7% |
| Oregon | $1,758 | -$160 | -8.3% |
| Pennsylvania | $1,832 | -$86 | -4.5% |
| Rhode Island | $2,558 | $640 | 33.4% |
| South Carolina | $1,738 | -$180 | -9.4% |
| South Dakota | $1,620 | -$298 | -15.5% |
| Tennessee | $1,678 | -$240 | -12.5% |
| Texas | $2,310 | $392 | 20.4% |
| Utah | $1,420 | -$498 | -26.0% |
| Vermont | $1,314 | -$604 | -31.5% |
| Virginia | $1,148 | -$770 | -40.1% |
| Washington | $1,482 | -$436 | -22.7% |
| West Virginia | $1,758 | -$160 | -8.3% |
| Wisconsin | $1,330 | -$588 | -30.7% |
| Wyoming | $1,710 | -$208 | -10.8% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Subaru Solterra | $404 | $718 | $558 | $1,918 |
| 2023 Subaru Solterra | $384 | $690 | $584 | $1,896 |
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 Shop for Affordable Subaru Solterra Insurance
Finding better rates on Subaru Solterra insurance takes being a safe and courteous driver, maintaining a good credit score, not filing small claims, and possibly raising deductibles. Spend time shopping around every year by getting quotes from direct carriers, and also from local independent and exclusive agents.
Below is a brief review of the coverage data touched on above.
- Drivers can save as much as $230 per year just by quoting online in advance
- Increasing policy deductibles could save as much as $750 each year
- Teenage drivers are expensive to insure, as much as $599 per month if the policy includes full coverage
- High-risk drivers with DUI or reckless driving convictions pay an average of $2,220 more each year for auto insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $7,182 |
| 20 | $4,424 |
| 30 | $2,000 |
| 40 | $1,918 |
| 50 | $1,752 |
| 60 | $1,720 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,414 |
| $250 | $2,184 |
| $500 | $1,918 |
| $1,000 | $1,662 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,918 |
| 50/100 | $2,030 |
| 100/300 | $2,169 |
| 250/500 | $2,532 |
| 100 CSL | $2,085 |
| 300 CSL | $2,392 |
| 500 CSL | $2,616 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $10,226 |
| 20 | $7,028 |
| 30 | $4,226 |
| 40 | $4,138 |
| 50 | $3,948 |
| 60 | $3,912 |
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 | $101 |
| Multi-vehicle | $99 |
| Homeowner | $28 |
| 5-yr Accident Free | $139 |
| 5-yr Claim Free | $122 |
| Paid in Full/EFT | $86 |
| Advance Quote | $93 |
| Online Quote | $134 |
| Total Discounts | $802 |
Discounts are estimated and may not be available from every company or in every state.
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