Subaru Solterra Insurance Rates

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Cheaper 2023 Subaru Solterra Insurance Quotes in 2025

Searching for the cheapest insurance coverage rates for your Subaru Solterra? Are you tired of not being able to scrape enough together to keep your car insured? You have the same problem as millions of other people. With people having so many online and local companies to choose from, it is hard for the average consumer to locate a more affordable insurance coverage company. Finding auto insuranc...

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UPDATED: Mar 28, 2024

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The average auto insurance rates for a Subaru Solterra are $1,896 annually including full coverage. Comprehensive insurance costs approximately $384 a year, collision costs $690, and liability costs around $584. Liability-only coverage costs as low as $678 a year, with high-risk coverage costing $4,102 or more. Teen 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:

Comprehensive $384
Collision $690
Liability $584

Full coverage includes $500 physical damage insurance deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and Solterra trim levels.

Price Range Variability

Using a 40-year-old driver as an example, Subaru Solterra insurance rates go from as cheap as $678 for a discount liability-only rate to a high of $4,102 for a policy for a high-risk driver.

Liability Only $678
Full Coverage $1,896
High Risk $4,102

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than larger metro areas.

The diagram below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $1,422
Small Cities $1,991
Large Cities $2,560

The examples above highlight why it is important to compare prices using their specific location and their own personal driving habits, instead of making a decision based on price 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 breaks down estimated Subaru Solterra insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $1,104
  • Using higher $1,000 deductibles will save $1,652 every year
  • The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,896
  • Choosing low $100 deductibles for physical damage coverage costs an additional $476 annually
  • High-risk insureds with multiple violations and an at-fault accident could pay around $4,102 or more
  • Policy cost with full coverage for a 16-year-old driver can cost $7,168 or more

View Chart as Image

Subaru Solterra insurance cost comparison chart
Column chart showing full coverage Subaru Solterra insurance prices range from $1,104 to $7,168

Insurance rates for a Subaru Solterra also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,800 a year, or $150 per month, for full coverage. Rates are highest for teenagers, 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 have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $2,200 to $3,100 additional every year, depending on your age. A high-risk auto insurance policy can be from 43% to 129% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $720 annually, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $525 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Subaru Solterra insurance prices. A driver around age 40 might see rates as low as $1,460 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,710 on average in Louisiana, New York, and Michigan.

Subaru Solterra Insurance Rates by State
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%

View Chart as Image

Subaru Solterra insurance rates by U.S. city

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes from multiple companies. Each insurance company uses a different rate calculation, and rates will be varied between companies.

Subaru Solterra Insurance Rates by Model Year
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 Buy More Affordable Subaru Solterra Insurance

Finding cheaper rates on insurance for a Subaru Solterra requires being a low-risk driver, having good credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to shop around every year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The items below are a summary of the coverage data raised in the charts and tables above.

  • You may be able to save around $230 per year simply by quoting early and online
  • Increasing comprehensive and collision deductibles could save up to $725 each year
  • Teen drivers are the costliest to insure, with premiums being up to $597 each month if they have full coverage
  • Drivers considered higher risk who have multiple accidents or major violations may have to pay on average $2,210 more per year to insure their Solterra

Rates by Driver Age

Subaru Solterra Insurance 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

Subaru Solterra Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,372
$250 $2,152
$500 $1,896
$1,000 $1,652

Full coverage, driver age 40

Rates by Liability Limit

Subaru Solterra Insurance Rates with Different Liability Limits
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

Subaru Solterra Insurance 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.

SR-22 Surcharge $262

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
Rate after discounts $1,104

Discounts are estimated and may not be available from every company or in every state.

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