Subaru Solterra Insurance Rates

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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:

Comprehensive $384
Collision $690
Liability $584

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.

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

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.

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

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

View Chart as Image

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

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.

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
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 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

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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