Subaru Solterra Insurance Rates

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UPDATED: Mar 28, 2024

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U.S. average insurance rates for a Subaru Solterra are $1,892 a year including full coverage. Comprehensive costs around $370, collision costs $686, and liability coverage is estimated at $598. Buying just liability costs approximately $688 a year, with insurance for high-risk drivers costing around $4,094. Teen drivers pay the highest rates at $7,184 a year or more.

Average premium for full coverage: $1,892

Price estimates for individual coverage:

Comprehensive $370
Collision $686
Liability $598

Estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and for all Solterra models.

Price Range from Low to High

Using a 40-year-old driver as an example, Subaru Solterra insurance prices go from as low as $688 for the bare minimum liability coverage to the much higher price of $4,094 for a driver who has had serious violations or accidents.

Liability Only $688
Full Coverage $1,892
High Risk $4,094

Geographic Price Range

Living in a larger city has a large influence on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than larger metro areas.

The example below illustrates how rural and urban location affects auto insurance rates.

Rural Areas $1,419
Small Cities $1,987
Large Cities $2,554

The ranges above highlight why everyone should get quotes for a specific zip code and risk profile, rather than using 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.

Additional Rate Information

The chart below breaks down estimated Subaru Solterra insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $1,099
  • Choosing higher $1,000 deductibles can save about $242 every year
  • The average rate for the average middle-age driver using $500 deductibles is $1,892
  • Choosing pricier low deductibles for comp and collision coverage will increase the cost to $2,356
  • Drivers with multiple violations and an at-fault accident could pay at least $4,094 or more
  • The price for full coverage for a teenage driver for full coverage can be $7,184 each year

View Chart as Image

Subaru Solterra insurance cost comparison chart
Column chart showing full coverage Subaru Solterra insurance rates range from $1,099 to $7,184

Insurance prices for a Subaru Solterra are also quite variable based on your driving record, the model of your Solterra, and deductibles and policy limits.

A more mature driver with no violations or accidents and high deductibles may only pay around $1,700 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay as much as $7,100 a year. View Rates by Age

The state you live in plays a big part in determining prices for Subaru Solterra insurance rates. A good driver about age 40 could pay as low as $1,450 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,700 on average in Michigan, New York, and Louisiana.

Subaru Solterra Insurance Rates by State
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%

View Chart as Image

Subaru Solterra insurance rates by U.S. city

Choosing high deductibles can save as much as $710 a year, whereas buying more liability protection will increase prices. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $538 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at least $2,200 to $3,100 additional each year, depending on your age. Subaru Solterra insurance for high-risk drivers ranges around 43% to 130% more than average. View High Risk Driver Rates

Since prices can be so different, the best way to figure out your exact price is to regularly compare prices and see how they stack up. Each auto insurer uses a different rate calculation, and prices may be quite different from one company to the next.

Subaru Solterra Insurance Rates by Model Year
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 Find Low Cost Subaru Solterra Insurance

Getting lower rates on auto insurance takes being a low-risk driver, having a good credit history, being claim-free, and taking advantage of discounts. Set aside time to shop around every other policy renewal by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The items below are a review of the ideas that were raised in the charts and tables above.

  • Teen drivers are charged the highest prices, possibly costing $599 a month including comprehensive and collision insurance
  • Drivers who have several accidents or serious violations pay on average $2,200 more every year to insure their Solterra
  • Increasing physical damage deductibles can save around $700 each year
  • You may be able to save up to $220 per year simply by quoting online well ahead of the renewal date

Rates by Driver Age

Subaru Solterra Insurance 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

Subaru Solterra Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,356
$250 $2,140
$500 $1,892
$1,000 $1,650

Full coverage, driver age 40

Rates by Liability Limit

Subaru Solterra Insurance Rates with Different Liability Limits
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

Subaru Solterra Insurance 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.

SR-22 Surcharge $263

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
Rate after discounts $1,099

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

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