Subaru Solterra Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Average auto insurance rates for a Subaru Solterra are $1,892 annually including full coverage. Comprehensive costs on average $370, collision insurance costs $686, and liability costs $598. Liability-only coverage costs as little as $688 a year, and high-risk coverage costs around $4,094. Teenage drivers receive the highest rates at up to $7,184 a year.
Average premium for full coverage: $1,892
Rate estimates by individual coverage type:
Price estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for different Solterra trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from as cheap as $688 for basic liability insurance to a much higher rate of $4,094 for a driver that may need high-risk insurance.
Price Range by Location
Your location can make a big difference on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than densely populated cities. The price range example below illustrates how location helps determine car insurance rates.
These examples highlight why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, instead of making a decision based 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 breaks down average Subaru Solterra insurance rates for different risk profiles and scenarios.
- The best discount rate is $1,099
- Drivers who choose higher $1,000 deductibles will pay around $242 every year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,892
- Using more expensive low deductibles for comprehensive and collision insurance will cost $2,356
- Drivers who are prone to accidents and violations could pay upwards of $4,094
- The cost with full coverage for a 16-year-old driver with full coverage may cost $7,184 a year
Car insurance rates for a Subaru Solterra can also vary considerably based on the trim level of your Solterra, your driving characteristics, and policy deductibles and limits.
An older driver with no driving violations and high physical damage deductibles may pay as low as $1,700 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged upwards of $7,100 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $2,200 to $3,100 extra per year, depending on your age. High-risk driver insurance can cost from 43% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $710 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $538 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Subaru Solterra insurance prices. A 40-year-old driver could pay as low as $1,450 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,700 on average in Michigan, New York, and Louisiana.
| 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
Saving money on insurance for a Subaru Solterra not only requires having a decent driving record, but also having a good credit score, not filing small claims, and possibly raising deductibles. Invest time comparing rates once a year by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.
The following items are a condensed summary of the data that was covered in the charts and tables above.
- You may be able to save as much as $220 per year just by shopping early and online
- Insureds who require additional liability coverage will pay an extra $660 per year to go from a minimum limit to higher 250/500 limits
- 16 to 18-year-old drivers are expensive to insure, as much as $599 per month if comprehensive and collision insurance is included
- Drivers considered higher risk with multiple at-fault accidents pay on average $2,200 more each year than a driver with a clean driving record
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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