Subaru Solterra Insurance Rates

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UPDATED: Mar 28, 2024

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U.S. average insurance rates for a Subaru Solterra are $1,892 a year for full coverage. Comprehensive costs around $370 each year, collision costs $686, and liability coverage is estimated at $598. Liability-only coverage costs approximately $688 a year, with high-risk coverage costing around $4,094. Teenage drivers pay the highest rates at $7,184 a year or more.

Average premium for full coverage: $1,892

Price estimates for individual coverage:

Comprehensive $370
Collision $686
Liability $598

Prices include $500 deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and Solterra models.

Price Range from Low to High

Using a 40-year-old driver as an example, Subaru Solterra insurance prices go from as low as $688 for just the minimum liability insurance to a high rate of $4,094 for a driver required to buy high-risk insurance.

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

Geographic Price Range

Living in a larger city has a large influence on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than densely populated cities.

The graphic below illustrates how rural and urban location affects auto insurance rates.

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

The ranges above show why all drivers should get quotes for a specific zip code and risk profile, rather than using 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.

Additional Rate Analysis

The chart below shows estimated Subaru Solterra insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $1,099
  • Choosing higher $1,000 deductibles can save about $242 a year
  • The average rate for the average middle-age driver using $500 deductibles is $1,892
  • Using low deductibles for comp and collision coverage will increase the cost to $2,356
  • Drivers who are prone to accidents and violations could pay at least $4,094 or more
  • The price for full coverage for a teenage driver can be $7,184 each year

View Chart as Image

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

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

More mature drivers with a good driving record and high deductibles may only pay around $1,700 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay as much as $7,100 a year. View Rates by Age

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 be forced to pay as much as $2,700 on average in Michigan, Louisiana, and New York.

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

Using high physical damage deductibles can save as much as $710 a year, whereas increasing liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $538 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at least $2,200 to $3,100 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges around 43% to 130% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to know your exact price is to do a rate comparison and see how they stack up. Each auto insurer uses a different method to calculate prices, and quoted prices may be quite different from one company to the next.

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 the Right Subaru Solterra Insurance

Getting lower rates on auto insurance takes not taking risks behind the wheel, having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to shop around at every policy renewal by getting quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.

The following is a quick rundown of the data raised in the charts and tables above.

  • Consumers who may need higher liability limits will pay an extra $660 each year to raise limits from a low limit to 250/500 limits
  • Drivers can save up to $220 per year simply by quoting online in advance
  • Increasing physical damage deductibles can save around $700 each year
  • Teens are expensive to insure, with premiums as much as $599 a month if they have full coverage

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.

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