Subaru Solterra Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated auto insurance rates for a Subaru Solterra are $1,918 annually including full coverage. Comprehensive costs an estimated $404, collision costs $718, and liability insurance costs around $558. A policy with only liability insurance costs as low as $656 a year, with a high-risk policy costing around $4,138. Teenage drivers pay the most at $7,182 a year or more.
Average premium for full coverage: $1,918
Premium estimates broken down by type of coverage:
Prices are based on $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different Solterra trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Subaru Solterra go from as cheap as $656 for just liability coverage to a much higher rate of $4,138 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Where you live has a significant impact on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than densely populated cities.
The price range example below illustrates how where you live affects insurance prices.
These rate differences highlight why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, rather than relying on 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.
Detailed Rate Analysis
The chart below breaks down estimated Subaru Solterra insurance rates for other coverage scenarios.
- The best discount rate is $1,116
- Using higher $1,000 deductibles will save approximately $256 every year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,918
- Using more expensive low deductibles for physical damage coverage will cost $2,414
- Drivers who are prone to accidents and violations could pay up to $4,138 or more
- An auto insurance policy with full coverage for a teen driver with full coverage can cost as much as $7,182 or more
Car insurance prices for a Subaru Solterra also have a wide range based on the model of your Solterra, your driving characteristics, and liability limits and deductibles.
An older driver with no driving violations and high physical damage deductibles could pay as little as $1,800 a year, or $150 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged at least $7,100 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying $2,200 to $3,100 extra annually, depending on your age. High-risk driver insurance can be anywhere from 43% to 128% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut prices by as much as $760 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $502 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Subaru Solterra insurance rates. A driver around age 40 might see prices as low as $1,470 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,740 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,734 | -$184 | -9.6% |
| Alaska | $1,470 | -$448 | -23.4% |
| Arizona | $1,592 | -$326 | -17.0% |
| Arkansas | $1,918 | -$0 | 0.0% |
| California | $2,188 | $270 | 14.1% |
| Colorado | $1,834 | -$84 | -4.4% |
| Connecticut | $1,970 | $52 | 2.7% |
| Delaware | $2,170 | $252 | 13.1% |
| Florida | $2,398 | $480 | 25.0% |
| Georgia | $1,772 | -$146 | -7.6% |
| Hawaii | $1,378 | -$540 | -28.2% |
| Idaho | $1,300 | -$618 | -32.2% |
| Illinois | $1,430 | -$488 | -25.4% |
| Indiana | $1,448 | -$470 | -24.5% |
| Iowa | $1,298 | -$620 | -32.3% |
| Kansas | $1,822 | -$96 | -5.0% |
| Kentucky | $2,616 | $698 | 36.4% |
| Louisiana | $2,842 | $924 | 48.2% |
| Maine | $1,186 | -$732 | -38.2% |
| Maryland | $1,582 | -$336 | -17.5% |
| Massachusetts | $1,532 | -$386 | -20.1% |
| Michigan | $3,332 | $1,414 | 73.7% |
| Minnesota | $1,608 | -$310 | -16.2% |
| Mississippi | $2,296 | $378 | 19.7% |
| Missouri | $1,704 | -$214 | -11.2% |
| Montana | $2,062 | $144 | 7.5% |
| Nebraska | $1,512 | -$406 | -21.2% |
| Nevada | $2,300 | $382 | 19.9% |
| New Hampshire | $1,380 | -$538 | -28.1% |
| New Jersey | $2,144 | $226 | 11.8% |
| New Mexico | $1,700 | -$218 | -11.4% |
| New York | $2,022 | $104 | 5.4% |
| North Carolina | $1,106 | -$812 | -42.3% |
| North Dakota | $1,570 | -$348 | -18.1% |
| Ohio | $1,324 | -$594 | -31.0% |
| Oklahoma | $1,970 | $52 | 2.7% |
| Oregon | $1,758 | -$160 | -8.3% |
| Pennsylvania | $1,832 | -$86 | -4.5% |
| Rhode Island | $2,558 | $640 | 33.4% |
| South Carolina | $1,738 | -$180 | -9.4% |
| South Dakota | $1,620 | -$298 | -15.5% |
| Tennessee | $1,678 | -$240 | -12.5% |
| Texas | $2,310 | $392 | 20.4% |
| Utah | $1,420 | -$498 | -26.0% |
| Vermont | $1,314 | -$604 | -31.5% |
| Virginia | $1,148 | -$770 | -40.1% |
| Washington | $1,482 | -$436 | -22.7% |
| West Virginia | $1,758 | -$160 | -8.3% |
| Wisconsin | $1,330 | -$588 | -30.7% |
| Wyoming | $1,710 | -$208 | -10.8% |
With such a large range in prices, the best way to figure out which insurance company is cheapest is to compare prices from as many companies as possible. Each insurance company uses a different method to calculate prices, so rate quotes will be substantially different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Subaru Solterra | $404 | $718 | $558 | $1,918 |
| 2023 Subaru Solterra | $384 | $690 | $584 | $1,896 |
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 Affordable Subaru Solterra Insurance
Finding better rates on Subaru Solterra insurance requires being a low-risk driver, having a good credit score, refrain from filing small claims, and not having any coverage lapses. Take the time to comparison shop at every other renewal by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.
The items below are a brief review of the concepts that were touched on in the above illustrations.
- High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $2,220 more annually to insure their Solterra
- Teen drivers have the highest car insurance prices, with the cost nearing $599 per month if comprehensive and collision insurance is included
- You may be able to save approximately $230 per year simply by shopping early and online
- Increasing policy deductibles could save up to $750 each year
- You may be able to save approximately $230 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $7,182 |
| 20 | $4,424 |
| 30 | $2,000 |
| 40 | $1,918 |
| 50 | $1,752 |
| 60 | $1,720 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,414 |
| $250 | $2,184 |
| $500 | $1,918 |
| $1,000 | $1,662 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,918 |
| 50/100 | $2,030 |
| 100/300 | $2,169 |
| 250/500 | $2,532 |
| 100 CSL | $2,085 |
| 300 CSL | $2,392 |
| 500 CSL | $2,616 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $10,226 |
| 20 | $7,028 |
| 30 | $4,226 |
| 40 | $4,138 |
| 50 | $3,948 |
| 60 | $3,912 |
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 | $101 |
| Multi-vehicle | $99 |
| Homeowner | $28 |
| 5-yr Accident Free | $139 |
| 5-yr Claim Free | $122 |
| Paid in Full/EFT | $86 |
| Advance Quote | $93 |
| Online Quote | $134 |
| Total Discounts | $802 |
Discounts are estimated and may not be available from every company or in every state.
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