Subaru Solterra Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average auto insurance rates for a Subaru Solterra are $1,892 annually for full coverage insurance. Comprehensive costs on average $370 each year, collision insurance costs $686, and liability is estimated at $598. Liability-only insurance costs approximately $688 a year, and high-risk driver insurance costs around $4,094. 16-year-old drivers cost the most to insure at up to $7,184 a year.
Average premium for full coverage: $1,892
Policy rates by type of insurance:
Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and Solterra models.
Price Range Variability
Using a 40-year-old driver as an example, Subaru Solterra insurance rates range from as cheap as $688 for your basic liability-only policy to a high rate of $4,094 for a high-risk insurance policy.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on insurance rates. Rural areas are shown to have fewer physical damage claims than congested cities. The graphic below illustrates how rural and urban location affects car insurance rates.
The examples above illustrate why all drivers should get quotes based on a specific location and their own personal driving habits, instead of using 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.
More Rate Information
The chart below illustrates average Subaru Solterra insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $1,099
- Choosing higher $1,000 deductibles can save around $242 each year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,892
- Buying low deductibles for comp and collision coverage will cost $2,356
- Unlucky drivers with multiple tickets or accidents could pay upwards of $4,094
- Policy cost with full coverage for a teen driver may cost $7,184 each year
Auto insurance rates for a Subaru Solterra also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.
More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,700 annually on average, or $142 per month, for full coverage. Rates are highest for teenagers, 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 a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $2,200 to $3,100 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 130% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $710 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $538 extra every year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Subaru Solterra insurance prices. A good driver about age 40 could pay as low as $1,230 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,550 on average in Michigan, New York, and Florida.
| 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% |
| 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 Buy Cheaper Subaru Solterra Insurance
Finding cheaper rates on car insurance takes being safe and accident-free, having above-average credit, being claim-free, and deciding if full coverage is necessary. Set aside time to shop around at least every other year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
Below you'll find a condensed summary of the car insurance concepts raised in the charts and tables above.
- Higher risk drivers with multiple at-fault accidents may pay on average $2,200 more each year than a low-risk driver
- It is possible to save as much as $220 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles could save up to $700 each year
- Policyholders who require more liability protection will pay around $660 annually to raise limits from a 30/60 limit to higher 250/500 limits
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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