Subaru Solterra Insurance Rates

U.S. average insurance rates for a Subaru Solterra are $1,892 a year for full coverage insurance. Comprehensive costs an estimated $370 a year, collision insurance costs $686, and liability costs $598. Liability-only insurance costs as little as $688 a year, and high-risk driver insurance costs around $4,094. Teen drivers pay the highest rates at up to $7,184 a year.

Average premium for full coverage: $1,892

Price estimates broken down by individual coverage:

These estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and Solterra trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on the price of insurance. More rural locations have lower incidents of physical damage claims than larger metro areas. The diagram below illustrates how geographic area affects insurance prices.

The ranges above illustrate why it is important to compare rates for a targeted area, instead of using price averages.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below illustrates average Subaru Solterra insurance rates for other coverage scenarios.

• The lowest rate with discounts is $1,099
• Drivers who choose higher $1,000 deductibles will pay approximately $1,650 each year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,892
• Choosing low $100 deductibles for comprehensive and collision insurance bumps up the cost to $2,356
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $4,094
• The price that insures a teen driver can cost as much as $7,184 a year

View Chart as Image

Car insurance prices for a Subaru Solterra are also quite variable based on the trim level of your Solterra, your age and driving record, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are probably paying $2,200 to $3,100 extra each year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 130% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,700 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged at least $7,100 a year. View Rates by Age

The state you live in makes a big difference in Subaru Solterra insurance prices. A 40-year-old driver could pay as low as $1,230 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,550 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $710 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $538 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find Cheap Subaru Solterra Insurance

Getting lower rates on car insurance not only requires being a low-risk driver, but also having a positive credit history, not filing small claims, and possibly higher deductibles. Shop around every couple of years by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

The items below are a brief summary of the material that was presented in the illustrations above.

• Policyholders who want more liability coverage will pay about $660 annually to go from a low limit to the 250/500 level
• Teen drivers have the highest car insurance prices, as much as $599 a month if full coverage is purchased
• Higher risk drivers that tend to have accidents or serious violations may have to pay on average $2,200 more annually to insure their Solterra
• Increasing physical damage deductibles can save approximately $700 each year