Subaru Solterra Insurance Rates
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Michelle Robbins
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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 including full coverage. Comprehensive costs around $370, collision insurance costs $686, and liability insurance costs $598. A liability-only policy costs as little as $688 a year, and high-risk insurance costs around $4,094. Teen drivers cost the most to insure at up to $7,184 a year.
Average premium for full coverage: $1,892
Policy rates for type of insurance:
Prices are based on $500 deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all Solterra models.
Price Range Variability
Using a 40-year-old driver as an example, Subaru Solterra insurance rates range from the low end price of $688 for basic liability insurance to the much higher price of $4,094 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Your location has a significant impact on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than larger metro areas. The example below illustrates how rural and urban location affects auto insurance rates.
The examples above highlight why everyone should compare rates for a specific zip code, 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.
Rate Comparisons
The chart below breaks down average Subaru Solterra insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $1,099
- Drivers who choose higher $1,000 deductibles will pay about $242 every year
- The estimated price for a good driver age 40 using $500 deductibles is $1,892
- Choosing pricier low deductibles for comprehensive and collision insurance bumps up the cost to $2,356
- High risk drivers with multiple violations and an at-fault accident could pay at least $4,094
- Policy cost that insures a teen driver for full coverage can be $7,184 a year
Car insurance rates for a Subaru Solterra also range considerably based on the model of your Solterra, your driving record and age, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you are likely paying at least $2,200 to $3,100 extra every year, depending on your age. Subaru Solterra insurance for high-risk drivers can cost anywhere from 43% to 130% more than average. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,700 per year on average, or $142 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged as much as $7,100 a year. View Rates by Age
Your home state makes a big difference in Subaru Solterra insurance rates. A 40-year-old driver could pay as low as $1,450 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,700 on average in Michigan, New York, and Louisiana.
| 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 save up to $710 each year, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $538 extra every 12 months. View Rates by Deductible or Liability Limit
| 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 Affordable Subaru Solterra Insurance
Finding cheaper rates on Subaru Solterra insurance not only requires not taking risks behind the wheel, but also having a positive credit history, paying for small claims out-of-pocket, and consideration of higher deductibles. Shop around every other policy renewal by getting rate quotes from direct car insurance companies, and also from local insurance agencies.
The following is a brief review of the ideas that were raised in the charts and tables above.
- Teens are the costliest to insure, with premiums being up to $599 each month if full coverage is purchased
- High-risk drivers with DUI or reckless driving convictions may have to pay on average $2,200 more every year for Solterra insurance
- Increasing comprehensive and collision deductibles can save approximately $700 each year
- You may be able to save up to $220 per year just by quoting online well ahead of the renewal date
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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