Subaru Solterra Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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Average insurance rates for a Subaru Solterra are $1,896 a year including full coverage. Comprehensive insurance costs around $384, collision costs $690, and liability is estimated at $584. Buying just liability costs approximately $678 a year, with insurance for high-risk drivers costing $4,102 or more. 16-year-old drivers receive the highest rates at $7,168 a year or more.
Average premium for full coverage: $1,896
Rate estimates for individual coverage type:
Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and for all Solterra models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from as low as $678 for the bare minimum liability coverage to the much higher price of $4,102 for a high-risk driver policy.
Price Range by Location
Living in a larger city can make a big difference on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than congested cities.
The example below illustrates how location helps determine auto insurance rates.
These examples highlight why everyone should get quotes for a specific zip code and risk profile, instead of making a decision based on 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.
Additional Rate Information
The chart below breaks down estimated Subaru Solterra insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $1,104
- Choosing higher $1,000 deductibles can save about $244 every year
- The average rate for a 40-year-old driver using $500 deductibles is $1,896
- Buying pricier low deductibles for comp and collision coverage will cost an extra $476 annually
- Higher-risk drivers with multiple tickets or accidents could pay at least $4,102 or more
- The cost for full coverage for a 16-year-old driver for full coverage can be $7,168 each year
Auto insurance rates for a Subaru Solterra can also vary considerably based on your driver profile, the model of your Solterra, and deductibles and policy limits.
A more mature driver with a good driving record and high deductibles may pay as low as $1,800 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay as much as $7,100 a year. View Rates by Age
Where you live plays a big part in determining prices for Subaru Solterra insurance prices. A good driver about age 40 could pay as low as $1,460 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,710 on average in Michigan, New York, and Louisiana.
| 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% |
Opting for high physical damage deductibles can save as much as $720 annually, whereas buying more liability protection will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $525 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying at least $2,200 to $3,100 in extra premium per year, depending on your age. Subaru Solterra insurance for high-risk drivers ranges from 43% to 129% more than the average rate. View High Risk Driver Rates
With so much variability in rates, the best way to figure out your exact price is to regularly compare rates from multiple companies. Each auto insurer utilizes a different rate formula, and quoted rates can be significantly different from one company to the next.
| 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 Find Affordable Subaru Solterra Insurance
Saving money on insurance for a Subaru Solterra takes being a good driver, having good credit, not filing small claims, and maximizing policy discounts. Invest time comparing rates every time your policy renews by requesting quotes from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.
The following list is a brief review of the information covered in the charts and tables above.
- You may be able to save up to $230 per year simply by quoting online well ahead of the renewal date
- Drivers age 16 to 20 are expensive to insure, as much as $597 per month if they have full coverage
- Increasing deductibles can save around $725 each year
- Drivers considered higher risk with DUI or reckless driving convictions pay on average $2,210 more every year than a safer driver
- Insureds who may need an increased level of liability coverage will pay around $640 per year to raise limits from a minimum limit to 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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