Subaru Solterra Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Mar 28, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Average insurance rates for a Subaru Solterra are $1,918 a year including full coverage. Comprehensive insurance costs on average $404 each year, collision costs $718, and liability coverage costs $558. Buying just liability costs as little as $656 a year, with insurance for high-risk drivers costing $4,138 or more. Teenage drivers receive the highest rates at $7,182 a year or more.
Average premium for full coverage: $1,918
Rate estimates by individual coverage type:
Price estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Solterra models.
Price Range by Coverage and Risk
For the average driver, prices range go from the low end price of $656 for just liability insurance to a high rate of $4,138 for a high-risk insurance policy.
Price Range by Location
Your location has a large influence on car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than densely populated cities.
The graphic below illustrates how location impacts car insurance rates.
These examples highlight why all drivers should compare rates based on a specific location, rather than using average rates.
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.
More Rate Details
The chart below breaks down estimated Subaru Solterra insurance rates for different risk profiles and scenarios.
- The best discount rate is $1,116
- Drivers who choose higher $1,000 deductibles will pay around $256 every year
- The estimated price for a 40-year-old driver with $500 deductibles is $1,918
- Using low deductibles for comprehensive and collision insurance will cost an additional $496 each year
- High-risk insureds who are prone to accidents and violations could pay upwards of $4,138 or more
- The cost that insures a teenage driver may cost $7,182 a year
Auto insurance rates for a Subaru Solterra can also vary considerably based on the trim level and model year, your driving record and age, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you are likely paying at a minimum $2,200 to $3,100 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost around 43% to 128% more than a normal 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. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay upwards of $7,100 a year. View Rates by Age
Where you live makes a big difference in Subaru Solterra insurance rates. A 40-year-old driver could pay as low as $1,470 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,740 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,734 | -$184 | -9.6% |
| Alaska | $1,470 | -$448 | -23.4% |
| Arizona | $1,592 | -$326 | -17.0% |
| Arkansas | $1,918 | -$0 | 0.0% |
| California | $2,188 | $270 | 14.1% |
| Colorado | $1,834 | -$84 | -4.4% |
| Connecticut | $1,970 | $52 | 2.7% |
| Delaware | $2,170 | $252 | 13.1% |
| Florida | $2,398 | $480 | 25.0% |
| Georgia | $1,772 | -$146 | -7.6% |
| Hawaii | $1,378 | -$540 | -28.2% |
| Idaho | $1,300 | -$618 | -32.2% |
| Illinois | $1,430 | -$488 | -25.4% |
| Indiana | $1,448 | -$470 | -24.5% |
| Iowa | $1,298 | -$620 | -32.3% |
| Kansas | $1,822 | -$96 | -5.0% |
| Kentucky | $2,616 | $698 | 36.4% |
| Louisiana | $2,842 | $924 | 48.2% |
| Maine | $1,186 | -$732 | -38.2% |
| Maryland | $1,582 | -$336 | -17.5% |
| Massachusetts | $1,532 | -$386 | -20.1% |
| Michigan | $3,332 | $1,414 | 73.7% |
| Minnesota | $1,608 | -$310 | -16.2% |
| Mississippi | $2,296 | $378 | 19.7% |
| Missouri | $1,704 | -$214 | -11.2% |
| Montana | $2,062 | $144 | 7.5% |
| Nebraska | $1,512 | -$406 | -21.2% |
| Nevada | $2,300 | $382 | 19.9% |
| New Hampshire | $1,380 | -$538 | -28.1% |
| New Jersey | $2,144 | $226 | 11.8% |
| New Mexico | $1,700 | -$218 | -11.4% |
| New York | $2,022 | $104 | 5.4% |
| North Carolina | $1,106 | -$812 | -42.3% |
| North Dakota | $1,570 | -$348 | -18.1% |
| Ohio | $1,324 | -$594 | -31.0% |
| Oklahoma | $1,970 | $52 | 2.7% |
| Oregon | $1,758 | -$160 | -8.3% |
| Pennsylvania | $1,832 | -$86 | -4.5% |
| Rhode Island | $2,558 | $640 | 33.4% |
| South Carolina | $1,738 | -$180 | -9.4% |
| South Dakota | $1,620 | -$298 | -15.5% |
| Tennessee | $1,678 | -$240 | -12.5% |
| Texas | $2,310 | $392 | 20.4% |
| Utah | $1,420 | -$498 | -26.0% |
| Vermont | $1,314 | -$604 | -31.5% |
| Virginia | $1,148 | -$770 | -40.1% |
| Washington | $1,482 | -$436 | -22.7% |
| West Virginia | $1,758 | -$160 | -8.3% |
| Wisconsin | $1,330 | -$588 | -30.7% |
| Wyoming | $1,710 | -$208 | -10.8% |
Using high physical damage deductibles could save up to $760 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $502 extra every year. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Every company uses a different method to calculate rates, and quoted rates can be significantly different.
| 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 Find Cheaper Subaru Solterra Insurance
Saving money on auto insurance not only requires avoiding accidents and violations, but also maintaining a good credit score, not filing small claims, and taking advantage of discounts. Compare prices at least every other year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The list below is a condensed summary of the car insurance concepts touched on above.
- Drivers with multiple at-fault accidents could be forced to pay on average $2,220 more each year for car insurance
- You may be able to save as much as $230 per year simply by quoting online in advance
- Increasing deductibles can save approximately $750 each year
- Consumers who require higher liability limits will pay an extra $610 per year to go from a minimum limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $7,182 |
| 20 | $4,424 |
| 30 | $2,000 |
| 40 | $1,918 |
| 50 | $1,752 |
| 60 | $1,720 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,414 |
| $250 | $2,184 |
| $500 | $1,918 |
| $1,000 | $1,662 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,918 |
| 50/100 | $2,030 |
| 100/300 | $2,169 |
| 250/500 | $2,532 |
| 100 CSL | $2,085 |
| 300 CSL | $2,392 |
| 500 CSL | $2,616 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $10,226 |
| 20 | $7,028 |
| 30 | $4,226 |
| 40 | $4,138 |
| 50 | $3,948 |
| 60 | $3,912 |
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 | $101 |
| Multi-vehicle | $99 |
| Homeowner | $28 |
| 5-yr Accident Free | $139 |
| 5-yr Claim Free | $122 |
| Paid in Full/EFT | $86 |
| Advance Quote | $93 |
| Online Quote | $134 |
| Total Discounts | $802 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
