Subaru Solterra Insurance Rates

The average insurance prices for a Subaru Solterra are $1,892 every 12 months for full coverage. Comprehensive insurance costs around $370 each year, collision insurance costs $686, and liability coverage costs around $598. A liability-only policy costs as low as $688 a year, and high-risk insurance costs $4,094 or more. Teen drivers cost the most to insure at up to $7,184 a year.

Average premium for full coverage: $1,892

Policy rates for type of insurance:

Prices are based on $500 deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and Solterra models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than larger metro areas. The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above show why all drivers should compare prices for a specific zip code and their own driving history, rather than using price averages.

Use the form below to get customized rates for your location.

Additional Charts and Tables

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

• The lowest rate with discounts is $1,099
• Using higher $1,000 deductibles will save about $242 a year
• The average price for a good driver age 40 using $500 deductibles is $1,892
• Choosing low deductibles for physical damage coverage costs an extra $464 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $4,094
• Policy cost to insure a teenage driver can be $7,184 or more

View Chart as Image

Car insurance rates for a Subaru Solterra also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.

Choosing high deductibles could cut rates by as much as $710 a year, whereas increasing liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $538 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may only pay around $1,700 a year, or $142 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged as much as $7,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $2,200 to $3,100 extra every year, depending on your age. Insurance for high-risk drivers can be around 43% to 130% more than average. View High Risk Driver Rates

Your home state has a huge impact on Subaru Solterra insurance rates. A driver around age 40 might see rates as low as $1,250 a year in states like Idaho, Maine, and Iowa, or as much as $2,700 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Shop for Affordable Subaru Solterra Insurance

Finding cheaper rates on auto insurance requires not taking risks behind the wheel, maintaining a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Set aside time to compare rates every time your policy renews by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.

The following is a brief review of the information covered above.

• Drivers can save up to $220 per year just by quoting online in advance
• Teens are the costliest to insure, costing up to $599 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles could save as much as $700 each year
• Drivers with DUI or reckless driving convictions may pay on average $2,200 more every year for Solterra insurance
• Consumers who may need higher liability limits will pay about $660 each year to increase from a 30/60 limit to a 250/500 level