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 with full coverage. Comprehensive costs approximately $370, collision insurance costs $686, and liability coverage is estimated at $598. A policy with just liability insurance costs approximately $688 a year, and coverage for high-risk drivers 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:
Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all Solterra models.
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 the much higher price of $4,094 for a driver that may need high-risk insurance.
Price Range by Location
Living in a larger city has a large influence on the price of insurance. Rural locations tend to have fewer collision claims than densely populated cities. The example below illustrates how location helps determine auto insurance prices.
These examples demonstrate why everyone should get quotes using their specific location and their own personal driving habits, 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.
Rate Comparisons
The chart below details average Subaru Solterra insurance rates for additional coverage and risk scenarios.
- The best discount rate is $1,099
- Choosing higher $1,000 deductibles can save $242 annually
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,892
- Using pricier low deductibles for comp and collision coverage will cost $2,356
- Drivers who are prone to accidents and violations could pay around $4,094
- The cost with full coverage for a teenage driver for full coverage can cost $7,184 each year
Insurance rates for a Subaru Solterra can also vary considerably based on the trim level of your Solterra, your driving record, and physical damage deductibles and liability limits.
A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,700 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $7,100 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $2,200 to $3,100 additional per year, depending on your age. Subaru Solterra insurance for high-risk drivers ranges around 43% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $710 a year, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $538 more each year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Subaru Solterra insurance rates. A good driver about age 40 could pay as low as $1,360 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,550 on average in New York, Michigan, 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 the Best Cheap Subaru Solterra Insurance
Saving money on auto insurance takes having a decent driving record, having good credit, eliminating unnecessary coverage, and consideration of higher deductibles. Invest time comparing rates once a year by getting rate quotes from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The following items are a quick review of the data that was covered in the charts and tables above.
- You may be able to save around $220 per year just by quoting online well ahead of the renewal date
- Consumers who purchase additional liability coverage will pay an extra $660 every year to raise limits from a minimum limit to higher 250/500 limits
- 16 to 18-year-old drivers are the costliest to insure, with premiums as much as $599 per month if they have full coverage
- Drivers with a DUI or reckless driving violation may pay on average $2,200 more per 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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