Subaru Solterra Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
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
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 prices for a Subaru Solterra are $1,892 every 12 months for full coverage. Comprehensive insurance costs around $370 each year, collision costs $686, and liability insurance is estimated at $598. Buying just liability costs approximately $688 a year, with insurance for high-risk drivers costing $4,094 or more. 16-year-old drivers pay the highest rates at $7,184 a year or more.
Average premium for full coverage: $1,892
Price estimates for individual coverage:
Rates are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all states and Solterra models.
Price Range from Low to High
For a 40-year-old driver, Subaru Solterra insurance prices go from the cheapest price of $688 for a discount liability-only rate to a high rate of $4,094 for a driver who requires high-risk insurance.
Geographic Price Range
Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population have more infrequent accident claims than congested cities.
The graphic below illustrates how your location can change auto insurance rates.
The ranges above show why all drivers should get quotes for a specific zip code and their own driving history, rather than relying 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 estimated Subaru Solterra insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $1,099
- Choosing higher $1,000 deductibles can save about $242 a year
- The average price for the average middle-age driver using $500 deductibles is $1,892
- Buying low deductibles for comp and collision coverage costs an extra $464 a year
- High-risk insureds with multiple tickets or accidents could pay at least $4,094 or more
- The price to insure a teen driver can be $7,184 each year
Insurance prices for a Subaru Solterra are also quite variable based on deductibles and policy limits, your driver profile, and the trim level and model year.
Opting for high physical damage deductibles can save as much as $710 each year, whereas increasing liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $538 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,700 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay as much as $7,100 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying at least $2,200 to $3,100 additional each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 130% more than the average rate. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Subaru Solterra insurance rates. A good driver about age 40 could pay as low as $1,250 a year in states like Idaho, Maine, and Iowa, or at least $2,700 on average in Michigan, Louisiana, and New York.
| 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% |
Since prices can be so different, the only way to know your exact price is to do a rate comparison from as many companies as possible. Each auto insurer utilizes a different rate formula, and prices may be quite different.
| 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 Shop for the Best Cheap Subaru Solterra Insurance
Getting lower rates on Subaru Solterra insurance takes having a decent driving record, having above-average credit, eliminating unnecessary coverage, and taking advantage of discounts. Invest the time to shop around at every other renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following items are a quick review of the concepts that were illustrated above.
- High-risk drivers with a DUI or reckless driving violation may pay on average $2,200 more every year than a driver with a clean driving record
- 16 to 18-year-old drivers are charged the highest prices, with premiums as much as $599 a month if full coverage is included
- Drivers can save up to $220 per year simply by quoting online in advance
- Increasing physical damage deductibles could save as much as $700 each year
- Drivers can save up to $220 per year simply by quoting online in advance
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
