Subaru Solterra Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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The average insurance prices for a Subaru Solterra are $1,896 every 12 months for full coverage. Comprehensive insurance costs an estimated $384, collision insurance costs $690, and liability coverage is estimated at $584. Liability-only coverage costs approximately $678 a year, and high-risk coverage costs $4,102 or more. 16-year-old drivers cost the most to insure at up to $7,168 a year.
Average premium for full coverage: $1,896
Policy rates broken down by type of insurance:
These estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for different Solterra trim levels.
Price Range Variability
For a 40-year-old driver, Subaru Solterra insurance rates range from the cheapest price of $678 for just the minimum liability insurance to a much higher rate of $4,102 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a large influence on insurance rates. More rural locations are shown to have more infrequent accident claims than congested cities. The price range example below illustrates how your location can change insurance prices.
The examples above show why anyone shopping for car insurance should get quotes for a targeted area and their own driving history, rather than using 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.
Additional Rate Analysis
The chart below shows average Subaru Solterra insurance rates for other coverage scenarios.
- The best full coverage rate is $1,104
- Choosing higher $1,000 deductibles can save approximately $244 a year
- The average price for a good driver age 40 who has $500 deductibles is $1,896
- Buying more expensive low deductibles for comp and collision coverage costs an extra $476 each year
- Drivers with multiple tickets or accidents could pay up to $4,102
- Policy cost to insure a teenage driver with full coverage can cost as much as $7,168 each year
Insurance rates for a Subaru Solterra also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.
Opting for high physical damage deductibles can save as much as $720 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $525 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles may only pay around $1,800 annually on average, or $150 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay at least $7,100 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying $2,200 to $3,100 additional every year, depending on your age. High-risk driver insurance ranges around 43% to 129% more than the average rate. View High Risk Driver Rates
Your home state plays a big part in determining prices for Subaru Solterra insurance rates. A good driver about age 40 could pay as low as $1,250 a year in states like Iowa, Maine, and Idaho, or at least $2,710 on average in New York, Louisiana, 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% |
| 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 Shop for Cheap Subaru Solterra Insurance
Finding cheaper rates on auto insurance takes being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to shop around at every other renewal by obtaining price quotes from direct carriers, and also from several local insurance agents.
Below is a brief summary of the concepts that were illustrated above.
- Drivers that tend to have accidents or serious violations pay on average $2,210 more annually for auto insurance
- Teenage drivers are expensive to insure, costing up to $597 each month if full coverage is included
- Drivers can save approximately $230 per year just by shopping early and online
- Increasing comprehensive and collision deductibles could save as much as $725 each year
- Drivers can save approximately $230 per year just by shopping early and online
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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