Subaru Solterra Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average auto insurance rates for a Subaru Solterra are $1,896 annually for full coverage. Comprehensive insurance costs on average $384 a year, collision insurance costs $690, and liability insurance costs around $584. Liability-only coverage costs as low as $678 a year, and high-risk coverage costs $4,102 or more. Teenage drivers pay the highest rates at up to $7,168 a year.
Average premium for full coverage: $1,896
Price estimates by individual coverage:
Includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and Solterra trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Subaru Solterra insurance prices range from as cheap as $678 for basic liability insurance to a high of $4,102 for a high-risk driver policy.
Geographic Price Range
Where you live has a significant impact on car insurance rates. Rural areas have fewer accident claims than densely populated cities. The diagram below illustrates how where you live affects car insurance rates.
The ranges above show why it is important to compare prices based on a specific location and their own personal driving habits, rather than relying on average rates.
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 shows average Subaru Solterra insurance rates for different risk profiles and scenarios.
- The best discount rate is $1,104
- Using higher $1,000 deductibles will save around $1,652 a year
- The estimated rate for the average middle-age driver with $500 deductibles is $1,896
- Using low $100 deductibles for physical damage coverage costs an additional $476 a year
- Drivers who are prone to accidents and violations could pay upwards of $4,102
- The price with full coverage for a teen driver may cost $7,168 or more
Auto insurance prices for a Subaru Solterra are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.
Older drivers with a good driving record and high physical damage deductibles could pay as little as $1,800 a year for full coverage. Prices are much higher for teenage 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 have some driving violations or you caused a few accidents, you could be paying at a minimum $2,200 to $3,100 in extra premium each year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 129% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut prices by as much as $720 each year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $525 extra every year. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Subaru Solterra insurance rates. A driver around age 40 might see prices as low as $1,250 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $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 the Cheapest Subaru Solterra Insurance
Getting lower rates on Subaru Solterra insurance requires having a decent driving record, having above-average credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Take the time to comparison shop every time your policy renews by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.
The following items are a recap of the information touched on in the above illustrations.
- Drivers can save as much as $230 per year just by quoting early and online
- 16 to 18-year-old drivers are charged the highest prices, with premiums as much as $597 a month if full coverage is included
- Increasing physical damage deductibles could save up to $725 each year
- High-risk drivers that have major violations or accidents may be required to pay an average of $2,210 more each year than a driver with a clean driving record
- Drivers who require additional liability coverage will pay an extra $640 each year to increase from a low limit to higher 250/500 limits
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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