Subaru Solterra Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 28, 2024

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Estimated insurance prices for a Subaru Solterra are $1,896 every 12 months including full coverage. Comprehensive insurance costs around $384, collision insurance costs $690, and liability is $584. A policy with only liability insurance costs around $678 a year, and a high-risk policy costs $4,102 or more. Teens pay the most at up to $7,168 a year.

Average premium for full coverage: $1,896

Premium estimates for type of coverage:

Comprehensive $384
Collision $690
Liability $584

Rates include $500 physical damage deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all Solterra models.

Insurance Price Range by Risk and Coverage

For a middle-aged driver, insurance rates for a Subaru Solterra range from the cheapest price of $678 for just liability coverage to the much higher price of $4,102 for a high risk driver.

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

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The example below illustrates the effect of location on auto insurance rates.

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

These rate differences highlight why everyone should compare rates quotes for a specific zip code and their own driving history, instead of using averaged prices.

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 average Subaru Solterra insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $1,104
  • Raising to $1,000 deductibles will save about $244 every year
  • The average price for a 40-year-old good driver using $500 deductibles is $1,896
  • Selecting pricier low deductibles costs an extra $476 every year
  • At-risk drivers with serious driving violations could pay at least $4,102
  • An auto insurance policy to insure a teen driver for full coverage can be $7,168

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

Car insurance prices for a Subaru Solterra also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $720 every year, whereas buying more liability protection will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $525 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as little as $1,800 every 12 months on average, or $150 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged as much as $7,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at least $2,200 to $3,100 extra annually, depending on your age. Subaru Solterra insurance for high-risk drivers is expensive and can cost as much as 43% to 129% more than the average policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Subaru Solterra insurance prices. A middle-age driver might find prices as low as $1,460 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,710 on average in Michigan, New York, and Louisiana.

Subaru Solterra Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,716 -$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 $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 Shop for Cheaper Subaru Solterra Insurance

Finding better rates on car insurance consists of being a safe and courteous driver, maintaining a good credit score, refrain from filing small claims, and consideration of higher deductibles. Take the time to shop around at least every two years by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.

Below is a summary of the information that was covered in this article.

  • Increasing policy deductibles could save as much as $725 each year
  • You may be able to save up to $230 per year just by quoting online well ahead of the renewal date
  • Policyholders who may need higher levels of liability will pay approximately $640 per year to raise from 30/60 bodily injury limits to a 250/500 level
  • Teenage drivers are the costliest to insure, with the cost nearing $597 per month if the policy includes full coverage
  • Higher risk drivers that have multiple accidents or serious violations could be forced to pay on average $2,210 more every year for auto insurance

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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