Subaru Solterra Insurance Rates

U.S. average insurance rates for a Subaru Solterra are $1,896 a year for full coverage insurance. Comprehensive costs an estimated $384 each year, collision insurance costs $690, and liability coverage costs $584. Liability-only coverage costs as little as $678 a year, and high-risk coverage costs around $4,102. Teens pay the highest rates at up to $7,168 a year.

Average premium for full coverage: $1,896

Price estimates broken down by individual coverage:

Prices include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and Solterra models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of insurance. More rural locations have lower incidents of physical damage claims than cities with more traffic congestion. The graphic below illustrates the difference between rural and urban areas on insurance prices.

The ranges above illustrate why all drivers should compare rates for a targeted area, rather than using averaged prices.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below illustrates average Subaru Solterra insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $1,104
• Drivers who choose higher $1,000 deductibles will pay approximately $244 each year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,896
• Selecting low deductibles for comprehensive and collision insurance bumps up the cost to $2,372
• High-risk insureds with serious driving violations could pay up to $4,102
• The price that insures a teenage driver can cost as much as $7,168 a year

View Chart as Image

Auto insurance prices for a Subaru Solterra are also quite variable based on the trim level and model year, your age and driving record, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are probably paying $2,200 to $3,100 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost around 43% to 129% more than the average policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,800 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay at least $7,100 a year. View Rates by Age

The state you live in makes a big difference in Subaru Solterra insurance rates. A 40-year-old driver could pay as low as $1,240 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,560 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $720 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $525 extra every year. View Rates by Deductible or Liability Limit

How to Find the Right Subaru Solterra Insurance

Getting lower rates on auto insurance not only requires being a low-risk driver, but also maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Compare rates every year by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

The items below are a quick rundown of the coverage data covered above.

• It is possible to save approximately $230 per year just by quoting online in advance
• Increasing physical damage deductibles can save approximately $725 each year
• Teen drivers are the costliest to insure, as much as $597 a month if the policy includes full coverage
• Drivers with reckless driving or DUI convictions may have to pay on average $2,210 more annually to insure their Solterra