Subaru Solterra Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

Michelle Robbins

Licensed Insurance Agent

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

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

U.S. average insurance rates for a Subaru Solterra are $1,892 a year for full coverage insurance. Comprehensive costs an estimated $370 a year, collision insurance costs $686, and liability costs $598. Liability-only insurance costs as little as $688 a year, and high-risk driver insurance costs around $4,094. Teen drivers pay the highest rates at up to $7,184 a year.

Average premium for full coverage: $1,892

Price estimates broken down by individual coverage:

Comprehensive $370
Collision $686
Liability $598

These estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and Solterra trim levels.

Price Range from Low to High

For the normal driver, Subaru Solterra insurance prices range from the low end price of $688 for a discount liability-only rate to a high of $4,094 for high-risk insurance.

Liability Only $688
Full Coverage $1,892
High Risk $4,094

Geographic Price Range

Your location can have significant affects on the price of insurance. More rural locations have lower incidents of physical damage claims than larger metro areas. The diagram below illustrates how geographic area affects insurance prices.

Rural Areas $1,419
Small Cities $1,987
Large Cities $2,554

The ranges above illustrate why it is important to compare rates for a targeted area, 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.

Rates by State, City, and Model

The chart below illustrates average Subaru Solterra insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $1,099
  • Drivers who choose higher $1,000 deductibles will pay approximately $1,650 each year
  • The estimated price for the average middle-age driver who has $500 deductibles is $1,892
  • Choosing low $100 deductibles for comprehensive and collision insurance bumps up the cost to $2,356
  • Higher-risk drivers with multiple violations and an at-fault accident could pay up to $4,094
  • The price that insures a teen driver can cost as much as $7,184 a year

View Chart as Image

Subaru Solterra insurance cost comparison chart
Column chart showing Subaru Solterra insurance rates range from $1,099 to $7,184 for full coverage

Car insurance prices for a Subaru Solterra are also quite variable based on the trim level of your Solterra, your age and driving record, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are probably paying $2,200 to $3,100 extra each year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 130% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,700 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged at least $7,100 a year. View Rates by Age

The state you live in makes a big difference in Subaru Solterra insurance prices. A 40-year-old driver could pay as low as $1,230 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,550 on average in Florida, New York, and Michigan.

Subaru Solterra Insurance Rates by State
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%

View Chart as Image

Subaru Solterra insurance rates by U.S. city

Choosing high deductibles could save up to $710 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $538 extra every 12 months. View Rates by Deductible or Liability Limit

Subaru Solterra Insurance Rates by Model Year
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 Cheap Subaru Solterra Insurance

Getting lower rates on car insurance not only requires being a low-risk driver, but also having a positive credit history, not filing small claims, and possibly higher deductibles. Shop around every couple of years by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

The items below are a brief summary of the material that was presented in the illustrations above.

  • Policyholders who want more liability coverage will pay about $660 annually to go from a low limit to the 250/500 level
  • Teen drivers have the highest car insurance prices, as much as $599 a month if full coverage is purchased
  • Higher risk drivers that tend to have accidents or serious violations may have to pay on average $2,200 more annually to insure their Solterra
  • Increasing physical damage deductibles can save approximately $700 each year

Rates by Driver Age

Subaru Solterra Insurance 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

Subaru Solterra Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,356
$250 $2,140
$500 $1,892
$1,000 $1,650

Full coverage, driver age 40

Rates by Liability Limit

Subaru Solterra Insurance Rates with Different Liability Limits
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

Subaru Solterra Insurance 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.

SR-22 Surcharge $263

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
Rate after discounts $1,099

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

You May Also Enjoy These Articles