Subaru Solterra Insurance Rates
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UPDATED: Mar 28, 2024
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Estimated insurance prices for a Subaru Solterra are $1,918 every 12 months with full coverage. Comprehensive insurance costs around $404 each year, collision costs $718, and liability insurance costs $558. Liability-only insurance costs as little as $656 a year, with high-risk driver insurance costing $4,138 or more. 16-year-old drivers pay the most at $7,182 a year or more.
Average premium for full coverage: $1,918
Premium estimates for type of coverage:
Prices include $500 deductible amounts, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and Solterra models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Subaru Solterra go from the cheapest price of $656 for minimum levels of liability insurance to a high rate of $4,138 for a high-risk insurance policy.
Insurance Price Range by Location
Your location has a significant impact on insurance rates. Areas with sparse population are statistically proven to have more infrequent collision claims than congested cities.
The graphic below illustrates how your location can change auto insurance rates.
These rate differences demonstrate why all drivers should compare rates for a specific zip code and their own driving history, rather than relying on 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 Details
The chart below details estimated Subaru Solterra insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $1,116
- Drivers who choose higher $1,000 deductibles will pay about $256 annually
- The average price for a 40-year-old good driver using $500 deductibles is $1,918
- Buying low deductibles for comprehensive and collision insurance costs an extra $496 a year
- High risk drivers with multiple tickets or accidents could pay at least $4,138 or more
- An auto insurance policy to insure a teen driver can be $7,182 a year
Insurance prices for a Subaru Solterra also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level and model year.
Opting for high physical damage deductibles could save up to $760 each year, whereas increasing liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $502 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,800 per year on average, or $150 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay 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 may be forking out at least $2,200 to $3,100 additional annually, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 128% more than the average rate. View High Risk Driver Rates
Where you choose to live makes a big difference in Subaru Solterra insurance rates. A 40-year-old driver could pay as low as $1,380 a year in states like New Hampshire, Ohio, and Utah, or at least $2,590 on average in Florida, Michigan, and New York.
| 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% |
With such a large range in prices, the best way to find out your exact price is to do a rate comparison from as many companies as possible. Every company utilizes a different rate formula, and prices will be substantially 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 Shop for the Right Subaru Solterra Insurance
Finding better rates on Subaru Solterra insurance not only requires having a good driving record, but also having above-average credit, being claim-free, and taking advantage of discounts. Invest the time to shop around at least every other year by requesting rates from direct companies, and also from several local insurance agents.
The next list is a quick rundown of the car insurance concepts illustrated above.
- High-risk drivers with reckless driving or DUI convictions pay on average $2,220 more every year to buy Subaru Solterra insurance
- You may be able to save up to $230 per year simply by quoting online in advance
- Increasing policy deductibles could save as much as $750 each year
- Drivers who may need increased levels of liability coverage will pay around $610 every year to go from 30/60 bodily injury limits to a 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.
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