Subaru Solterra Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average insurance rates for a Subaru Solterra are $1,896 a year for full coverage insurance. Comprehensive insurance costs approximately $384 a year, collision costs $690, and liability insurance costs $584. A liability-only policy costs as little as $678 a year, with high-risk insurance costing $4,102 or more. 16-year-old drivers cost the most to insure at $7,168 a year or more.
Average premium for full coverage: $1,896
Policy rates by type of insurance:
Rate estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and Solterra trim levels.
Price Range Variability
For the average driver, Subaru Solterra insurance rates go from the low end price of $678 for a discount liability-only rate to a high of $4,102 for a high-risk insurance policy.
Urban vs. Rural Price Range
Your location has a significant impact on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than congested cities.
The diagram below illustrates how location impacts auto insurance prices.
The examples above illustrate why it is important to compare rates using their specific location, rather than relying 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.
Rates by State, City, and Model
The chart below illustrates estimated Subaru Solterra insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $1,104
- Drivers who choose higher $1,000 deductibles will pay $1,652 each year
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,896
- Buying low $100 deductibles for comprehensive and collision insurance will cost an additional $476 a year
- High risk drivers with multiple tickets or accidents could pay around $4,102 or more
- Policy cost that insures a teen driver can cost $7,168 a year
Car insurance rates for a Subaru Solterra also range considerably based on the trim level of your Solterra, your age and driving record, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $2,200 to $3,100 extra every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 129% more than the average rate. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,800 per year on average, or $150 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged in the ballpark of $7,100 a year. View Rates by Age
Your home state makes a big difference in Subaru Solterra insurance rates. A 40-year-old driver could pay as low as $1,240 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,560 on average in Florida, New York, and Michigan.
| 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 could save up to $720 each year, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $525 extra every 12 months. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to figure out who has the best car insurance rates is to get quotes from as many companies as possible. Every company utilizes a different rate formula, so rate quotes will be varied.
| 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 the Best Subaru Solterra Insurance
Finding cheaper rates on Subaru Solterra insurance not only requires being a safe and courteous driver, but also having a positive credit history, being claim-free, and avoiding coverage lapses. Comparison shop at least every other year by requesting quotes from direct insurance companies, and also from your local car insurance providers.
Below is a brief recap of the car insurance concepts touched on above.
- High-risk drivers who tend to receive serious violations could be charged and average of $2,210 more per year for auto insurance
- It is possible to save around $230 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles can save approximately $725 each year
- Drivers who purchase higher levels of liability will pay around $640 annually to go from a 30/60 limit to the 250/500 level
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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