Subaru Solterra Insurance Rates
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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:
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.
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.
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
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.
| 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 | $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
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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