Subaru Solterra Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average auto insurance rates for a Subaru Solterra are $1,896 annually for full coverage insurance. Comprehensive costs an estimated $384, collision costs $690, and liability is $584. A policy with just liability insurance costs around $678 a year, with coverage for high-risk drivers costing around $4,102. 16-year-old drivers pay the highest rates at $7,168 a year or more.
Average premium for full coverage: $1,896
Price estimates broken down by individual coverage:
Rate estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for all Solterra models.
Price Range from Low to High
For the average 40-year-old driver, Subaru Solterra insurance prices go from as cheap as $678 for the bare minimum liability coverage to the much higher price of $4,102 for a driver who has had serious violations or accidents.
Geographic Price Range
Choosing to live in a large city can have significant affects on the price of insurance. More rural locations have fewer physical damage claims than congested cities.
The example below illustrates the difference location can make on insurance prices.
The ranges above illustrate why everyone should compare rates quotes for a targeted area and their own personal driving habits, instead of 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 Information
The chart below illustrates estimated Subaru Solterra insurance rates for other coverage scenarios.
- The best full coverage rate is $1,104
- Raising to $1,000 deductibles will save approximately $244 each year
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,896
- Buying pricier low deductibles will cost $2,372
- At-risk drivers with multiple tickets or accidents could pay up to $4,102 or more
- The price with full coverage for a teen driver for full coverage can cost as much as $7,168
Insurance prices for a Subaru Solterra are also quite variable based on the trim level and model year, your risk profile, and liability limits and deductibles.
A more mature driver with a clean driving record and high physical damage deductibles may pay as little as $1,800 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay at least $7,100 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying $2,200 to $3,100 extra each year, 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 rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $720 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $525 more per year. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Subaru Solterra insurance prices. A middle-age driver might find prices as low as $1,240 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,560 on average in Florida, New York, 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% |
Since prices can be so different, the only way to figure out which car insurance is cheapest is to regularly compare prices and see which company has the best price. Every auto insurance company utilizes a different rate formula, so the prices may be quite different between companies.
| 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 Buy the Best Subaru Solterra Insurance
Getting lower rates on car insurance consists of being a safe and courteous driver, having a good credit history, not filing small claims, and taking advantage of discounts. Make time to compare rates every other policy renewal by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
Below is a brief recap of the ideas that were touched on in this article.
- Teenage drivers are charged the highest prices, as much as $597 a month including comprehensive and collision insurance
- Higher risk drivers who tend to receive serious violations may pay on average $2,210 more annually for auto insurance
- Increasing physical damage deductibles could save up to $725 each year
- It is possible to save approximately $230 per year simply by quoting online well ahead of the renewal date
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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